Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Does bankruptcy overide a charging order? - A charge is a right someone has over your property that entitles them to be repaid anything you owe them when the property is sold. It is a way of securing the debt. Anyone that has a mortgage has a charge over their property, in favour of the lender. Charges can also be placed over property by a charging order imposed by the courts as a means of enforcing a court awarded debt.