Debts to council tax can feel like the most complicated and
frightening debts to manage. As a priority expenditure council tax
must be paid before other debts like credit cards, payday loans and
personal loans. Council tax is paid to your local
Government body to help your local area pay for services. Many
people we help at Debt Support Trust can't afford to pay their
council tax because of their other unsecured debt problems.
Council tax departments may not contact you as regularly as your
credit cards and other debts but they are vitally important. The
council can take action to recover their money which we will
If you have debt problems with your local council then speak to
our charity advisors at Debt Support Trust today. We've helped
thousands of people with council tax debt issues. You can call Debt
Support Trust on 0800 085 0226.
Council Tax Debts
Council tax debt problems are some of the quickest to become a
concern. A reduction in income can mean paying for council tax is
harder. People who are unemployed will get a discount, as will
people who are living as a single person in a property. At Debt
Support Trust people in debt often have to spend 10% of their
income on their council tax, which can seem like a lot when there's
rent/ mortgage, food, gas, electricity and transport to pay for
Recent statistics show that 17% more people are struggling with
council tax debts, compare to the same period last year.
Your arrears will quickly be passed to a debt collector, even if
it's just one monthly you've accidentally missed. The debt
collector will want to organise a payment plan. If this payment
agreement is broken then they will take further action against you
to recover the money.
Council Tax Wages Arrestment
One of the actions some councils are taking when arrears exist
is to organise a wages arrestment. This involves the council going
to court and getting permission to take a percentage of your
If you have a wages arrestment your employer will pay the money
directly to the council each month. This means they are guaranteed
to get their money back each month. You want to avoid a wages
arrestment because it can be a substantial amount of your income
and cause further money worries.
There are some local councils that won't lift a wages arrestment
once it's in place, even if you're planning to enter a debt
solution like a debt management plan.
Help with Council Tax Arrears
It's important to speak to a debt advice charity if you're
struggling with arrears. There are routes to resolve money worries
which include payment plans, debt solutions and short term token
The council will want their money back but they will be
supportive and understand that you could have short term money
If you need help to understand your options you should first
speak to the local council about what they can do. Most councils
will have a recovery or debt collection department. If you have
council tax debts plus debts to overdrafts, loans and credit cards
then speak to Debt Support Trust about the solutions available to
Complete the debt analyser or call 0800 085 0226.
Council Tax Debt Management
Your local council may have a debt management and debt advice
department so you can contact them directly. They will explain
their recovery process and help you come to an arrangement to repay
If you agree a payment plan you should ensure to meet these
repayments as you could only get one chance at a payment plan.
These payments will be on top of your existing council tax
liability for the current year. So, if your council tax is £130 per
month then you could agree to pay £70 extra to pay off the arrears,
meaning you have to pay £200 per month.
Help with council tax arrears is available from Debt Support
Trust on 0800 085 0226. We work closely with many councils and can
help you arrange payment plans or enter a debt solution which will
resolve all of your debts, making paying council tax affordable in