🗹 Council Tax Arrears Debts Scotland
Scottish councils are able to arrest your earnings and bank account, take you to court for payment and even force you to be sequestrated, (made bankrupt), if your debt level reaches a certain amount.
Trust Deeds are an excellent way to get on top of council tax arrears. All your debts, including council tax debt, can be added into your Trust Deed and all you need to do is make one manageable monthly payment, (agreed before the Trust Deed is finalised), which will be split between your creditors. Once your agreed term is finished, any remaining balance will be written off and you will be debt free.
Try the Trust Deed Wizard to find out what you could expect to pay monthly.
Your monthly contribution is determined by your debt level, income and expenditure and who your creditors are. There are government guidelines in place to ensure you can cover your necessary living expenses, (including: mortgage/rent; council tax; food; gas/electricity; home/life insurance; phone; internet; TV; travel expenses and housekeeping). Only your expendable income goes towards your debts, meaning you don’t have to sacrifice your quality of life in order to make payments to your creditors.
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Often, council tax arrears are passed to a debt collection company and they will be less accommodating than the council when trying to recover the debt. In the more severe cases, your council tax arrears debt may be passed to a sheriff officer to collect the debt and undertake enforcement action against you. Understandably, you may feel nervous dealing with a debt recovery company or sheriff officer, but under no circumstances should you ignore contact from them as this may result in your situation getting worse. Once the council applies to the court to begin sequestration proceedings against you, it is very difficult, sometimes impossible to stop the process.
🗹 Council Tax Debt – Trust Deed Scotland
Do you want to get your finances back on track? Here are some simple tips to help you keep more pounds in your pocket.
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🗹 Council Tax Arrears Debt Scotland – Where to get help?
Our qualified debt advisors can meet with you to discuss your personal circumstances. Not only will they review your council tax arrears debt, but they will also go over all the other debts you may have including, credit card debts and the debt solutions available to you to allow you to make an informed decision and choose the option best for you.
You will be given a list of information to provide before your appointment e.g. proof of income, expenditure, creditors and. If you have these items ready for the advisor, your case can be moved along as quickly as possible.
🗹 Council Tax Debt Calculator
Use our handy Trust Deed Wizard® to calculate how much you could save when you consolidate council tax arrears debts with other debts including personal loans and credit cards.