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Thank you for your enquiry and your patience. Having CCJ's are factors that are listed in the Home Office's guidance re character in determining eligibility for citizenship.Having a CCJ however is not an automatic basis for refusing to grant citizenship. What the Home Office considers is whether you have been "reckless or irresponsible" in your financial affairs. So, in your circumstance because you have been taking steps to repay and you have a clear payment plan in place, this will show that you are not being reckless. I would definitely recommend that you disclose the fact of the CCJ in your application and give a brief explanation as to what caused it and what steps you are currently taking to remedy/address the situation. All the Best. RL