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  Council Tax Arrears

Council tax arrears is one of the most important debts that needs to be dealt with as it can quickly spiral out of control, with bailiffs turning up at the door insisting on payments. It is always best to speak with an advisor about this type of debt as soon as possible as they would need to get an understanding of you current situation in order to offer the best advice or assistance.

We have had a great deal of success over the years in dealing with council tax arrears. If the arrears has gone to bailiffs, we can still approach them and make an offer of repayment. Bailiffs are not there just to remove goods from your property, their primary objective is to try and get the debt settled or a realistic offer of repayment.

We also find that once we get involved and demonstrate to the council just why you cannot settle the debt in one payment and make a good offer based on your income and expenditure, they are willing to pull the debt back from the bailiffs. This doesn't happen on all occasions but the important thing is to deal with this as soon as possible.

If the situation ends up in the final stages of collection for the council tax arrears, a bailiff can come to your house. It is advisable not to let them in, as once they have entered your property they have the right to seize your goods. Do not sign anything that you are unsure about. Bailiff’s visit's are very expensive and these costs will also be added to the outstanding debt of your council tax arrears. You will be notified of a visit by the bailiff at least two weeks before their arrival and it is better to be available to speak with them to try and come to an arrangement. If you cannot, contact us immediately.

  If you cannot pay your Council Tax or Council Tax Arrears

  • Contact your local authority. Explain your situation clearly and make an offer to repay any arrears, making sure that your offer is realistic and that you can maintain the payments, it is always better to make a lower offer that you can afford rather than a high offer that may mean missing payments in the future. If you break the arrangement to often, the council may decide not to enter into future arrangements and pass your council tax arrears to the bailiff's.
  • Apply for a council tax benefit. You don't have to be in receipt of any other benefits to do this, if your wage is low or have had a decrease in your hours.

  Other ways that the council can deal with arrears

Attachment of earnings

This is a popular method of enforcement. Once the council obtain a liability order they can order your employer to pay an amount of your wage to them towards your arrears. The amount of the deduction is based on percentage worked out by the council and can be as high as 17% of your normal take-home pay. Be aware that once a liability order is in place and the local authority decides to go for an attachment of earnings, then we will find it harder to negotiate any offer with them.

  Charging Order

A Charging Order is a court order to enforce a County Court Judgement. If a creditor obtains a County Court Judgement and you do not keep to the payments, a court can order a Charging Order to be placed on your property.

  • A Charging Order gives the creditor security for the debt. The debt would become “secured”  on your property.
  • There must be a hearing in the County Court before a Charging Order can be made.

              Call today on 0800 027 9595 to get those debts under control

 


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