If a defendant accepts the judgment, and the amount, but is unable to pay, the defendant may apply to "vary" the judgment. A process is gone through whereby the defendant states how soon they can afford to pay the debt (usually monthly installments) and the claimant can either accept this, or request another amount. The court's staff will suggest a figure and ultimately a district judge (N.B. In England and Wales a district judge is one of the lowest levels of judge) will make a decision. The decision is binding, even if it means the claimant is out of their money for a considerable amount of time, and even if interest cannot be charged on the outstanding sum (which it usually can not).