Council Tax Difficulties

If you're struggling to pay your council tax, you're not alone. Council tax is a priority debt, which means it's important to deal with it quickly. Your council has strong powers to collect unpaid council tax, but there are steps you can take to manage the situation and avoid serious consequences.

Council Tax is an annual fee charged by your local council for services like rubbish collection, street lighting, and libraries. Most people pay in 10 monthly instalments from April to January.

How much you pay depends on:

• The valuation band of your property
• Where you live
• Whether you qualify for any discounts or exemptions
• Whether you can get Council Tax Reduction (also called Council Tax Support)

Council tax is classed as a priority debt because of the serious consequences of not paying:

• Your council can take you to court quickly
• Court costs will be added to what you owe
• Bailiffs can be sent to your home
• Money can be taken directly from your wages or benefits
• In extreme cases, you could face imprisonment

This is why it's so important to act quickly if you're falling behind.

If you're struggling with council tax, take these steps:

1. Contact your council immediately - Don't wait for them to contact you. Explain your situation and ask about payment arrangements.

2. Check if you qualify for Council Tax Reduction - Many people miss out on this discount. Your council can tell you if you're eligible.

3. Ask about other discounts - You might qualify for Single Person Discount (25% off) or other exemptions.

4. Request a payment plan - Most councils will agree to let you pay arrears in affordable instalments.

5. Get debt advice - A debt adviser can help you prioritise your debts and deal with your council.

Council Tax Reduction (sometimes called Council Tax Support) can reduce your bill if you're on a low income. Each council runs its own scheme, so the amount you could get varies.

You might qualify if you:

• Are on benefits like Universal Credit
• Have a low income
• Have savings below a certain amount

Apply through your local council. Even if you think you won't qualify, it's worth checking - many people miss out on money they're entitled to.

If you've already fallen behind, here's what to expect:

Reminder notice - Your council will send a reminder asking you to pay within 7 days.

Final notice - If you don't pay, you'll lose the right to pay in instalments and the full year's amount becomes due.

Summons - The council applies to the magistrates' court. Costs (typically £70-£100) are added to your debt.

Liability order - If the court grants this, your council has extra powers to recover the money.

At any stage, you can still contact your council to make an arrangement. The earlier you act, the better.

Don't struggle alone with council tax debt. Our advisers can:

• Help you understand your options
• Check if you qualify for reductions or discounts
• Negotiate with your council on your behalf
• Create a budget to help you stay on track

Contact us today for free, confidential advice.