Teams of Bailiffs are Visiting residential homes to collect council tax debt from debtors.
In today's tough economic climate many people find themselves in a situation where they are unable to keep up with their payments, whether it be council tax, credit cards or even rent.
The UK government has introduced new ways of helping those who are struggling financially pay off their debts more easily. Councils now have the power to write-off an agreed amount of your debt, if you meet certain criteria (depending on which council).
First things first, how does council tax debt affect you? If the council decides to take action against you for being in arrears they can send bailiffs round who will seize property or goods to sell, either at auction or privately depending on what they are. If this happens then you need to act now
to stop it happening again.
The council are also allowed to charge 13% interest per year that your debt remains outstanding before taking further action beyond sending bailiffs round. This is why it's important not to wait until they start doing this.
If the council do decide to send bailiffs round or take other enforcement action then there are certain rules they must follow.
Understandably you may be scared of what will happen if they send bailiffs round, however it's important to know that the only things they can take are items which repay the debt. They can take control of items of value such as your vehicle or items inside your home.
There are some things that they cannot take including work tools, clothes and bedding.
They also cannot take goods which belong to somebody else like a family member or a lodger. If they have taken something that they shouldn't then you can go to court.
If you feel that paying all of the council tax debt and others debts would leave you with no money left over to live on (pay bills, buy food etc.) then you can apply for a debt help solution.
In many cases, once the debt help solution has been applied successfully through a licensed debt professional. The council will agree to write-off any unaffordable debt and stop any bailiff action from happening - which is great if you want to avoid the harassment of bailiffs at your home or a county court judgement.