Council Tax Debt Help And Advice | Affordable Payment Plans | Compare Now!

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Talk through your problems with a
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find the best solution for you

Compare The Top 5 Council Tax Advice Companies

See our impartial guide to choosing the right deal

1

Council Tax Advisors

Company Type

Regsitered Charity

Repayment Plans

Yes

Free Help And Advice

Yes

Council Tax Advisors is a trading name of Council Tax Expert CIC which is a wholly owned subsidiary of the Carrington Dean Group Ltd.

Registered under the Data Protection Act ZA187443. Registered in Scotland SC535377 – Registered Address: Fyfe Chambers, 105 West George Street, Glasgow G2 1PB.

2

My Bailiff Advice Line

Company Type

Business

Repayment Plans

Yes

Free Help And Advice

Yes

Mybailiffadviceline.co.uk is a trading style of Debt Compass Ltd. Registered Address: 3rd Floor, Nelson House, Park Road, Timperley, Altrincham, England, WA14 5BZ

We work with a carefully selected panel of debt solution providers and, once you have qualified and accepted our terms, we will introduce you to them to look after the management and administration of your recommended plan.

3

We Stop Bailiffs

Company Type

Business

Repayment Plans

Yes

Free Help And Advice

Yes

Westopbailiffs.co.uk is a Trading style of Marketing Shoots Ltd.

Based on your criteria we'll introduce you to an FCA Authorised Debt Advisor who will be able to help you with your enquiry.

4

IVA Debt Advice

Company Type

Business

Repayment Plans

Yes

Free Help And Advice

Yes

Ivadebt.co.uk is a trading style of KwikCall Limited. Company No: 10001263

At ivadebt.co.uk we do not give advice. On completion of our form, we will introduce you to one of our authorised IVA debt solutions advisors.

5

Bailiff Advice Line

Company Type

Business

Repayment Plans

Yes

Free Help And Advice

Yes

bailiffadviceline.co.uk is a Trading style of Marketing Shoots Ltd.

Based on your criteria we'll introduce you to an FCA Authorised Debt Advisor who will be able to help you with your enquiry.

Reveal the next 5 top deals

Council Tax Arrears Debt Advice

If you’ve fallen behind with your council tax payments you’re not alone. Hundreds of thousands of people are facing action from their council authorities due to council tax arrears. Many have fallen foul of the Government’s cuts in benefits, with people previously exempt from paying now having to find impossible sums of money every month to pay their council for household services.

However, unlike normal unsecured debt, such as credit card balances, overdrafts or utilities arrears, council tax arrears cannot be written off by anyone other than a magistrate and only then after every avenue has been explored by the courts. The debt must be paid, and paid in full, and it can be a harrowing experience if you don’t.

But what if you simply can’t pay the arrears that your council is demanding in the timeframe they want? What then?

Arranging A Better Payment Plan

Your first port of call is to speak to the council and see if you can arrange a payment plan that suits you, rather than it. Usually the council will want the debt to be paid before the end of the current financial year on 4th April. If you cannot do this due to your circumstances, for example illness or unemployment, they will usually agree to let you pay it back over a longer period of time but you will have to ask and sometimes even insist. You will be expected to make your normal council tax payments every month along with a proportion of your arrears on top.

A Liability Order

If you do not pay your arrears or sort out a payment plan to do so, your local authority will take action through the courts to obtain a liability order to force the money from you. It can do this is several different ways.

Benefit Deductions It asks the Department of Work and Pensions to take a monthly amount directly from your benefits before you get it. You then end up having to live on whatever is left over. Attachment Of Earnings Order It asks you employer to take a monthly amount directly from your wages before you get it. Again, you end up having to live on whatever is left over. Bailiffs It will employ bailiffs to visit your home and seize your belongings to the value of your debts. Bankruptcy It will apply to the courts to make you bankrupt if you owe more than £750. Charging Order If you owe more than £1000 the council can obtain the power to force you to sell your home and make a payment on your arrears once your mortgage has been paid off.

A Committal Warrant

If the council cannot make any of the above work in your circumstances, it can go back to the magistrates’ court and apply for a committal warrant to send you to prison This is a very serious step, and not many cases get this far, but if it can be proved that you have the money to pay and are deliberately not paying, or are making no effort to pay and none of the measures above have worked, the council may feel prison is the only resort left. However, even at this late stage you will still be given the opportunity to set up a payment plan to pay off your council tax arrears.

If you still maintain you cannot pay your arrears, the magistrates will look at all of your financial affairs as part of a means enquiry, and if it is proved you have no means to pay, it is within the magistrates’ power to write off some or all of the debt.

Having council tax arrears that you cannot pay can be a very stressful experience, especially if the council gets the courts involved.

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Finance.co.uk is a trading name of Paloma Digital Limited, registered in England (09562886). Our registered address is: 2911 Beetham Tower, 301 Deansgate, Manchester M3 4LT and authorised and regulated by the Financial Conduct Authority (FRN769794). We are classed as a credit broker for consumer credit, not a lender. Debt Solutions Subject to conditions and acceptance. Credit rating may be affected. Repaying debt over longer period may increase the total amount to be repaid. Fees payable if continuing services provided. Alternative free-to-consumer debt advice organisations as recommended by the Money Advice Service. *You may be required to pay a contribution towards your debts. Call charges may apply if calling from a mobile.