Please reload

Recent Posts

I'm busy working on my blog posts. Watch this space!

Please reload

Featured Posts

Clear Council Tax Arrears With a Trust Deed

May 24, 2019


Council tax arrears are a priority debt and should be dealt with as quickly as possible to stop the matter escalating. The council is 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.


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.



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. Understandably, you may feel nervous dealing with a debt recovery company 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.


Debt Relief Scotland's qualified debt advisors can meet with you to discuss your personal circumstances. They will also go over all the other debts 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.


If you have any questions, see our FAQs or Contact us today for peace of mind and the support to help you get your finances back on track.

Please reload

Follow Us