Falling behind on council tax can feel overwhelming — but you don't have to face it alone. Our friendly, experienced advisors give confidential help with council tax debt every day.
Checking your options won't affect your credit score. A debt solution such as an IVA may not be suitable in all circumstances. Fees may apply and your credit rating may be affected. For free, impartial advice you can also visit Money Helper.
We know that talking about debt is hard. That's why our advisors take the time to listen — without judgement — and explain your options in plain English. Our insolvency practitioners are licensed by the Insolvency Practitioners Association (IPA).
Practical support to deal with arrears, bailiffs and council enforcement — quickly.
Your situation is unique. We listen first, then talk you through what's possible.
No jargon, no judgement. Just clear explanations of what each option means for you.
A lasting plan — not a quick fix — so the letters, calls and knocks at the door stop.
Whether you've just missed a payment or bailiffs are already knocking, we act quickly to protect you from enforcement and find a lasting solution.
Single-person discounts, disability reductions, Council Tax Support schemes and exemptions you may be entitled to claim.
Learn more →Affordable payment plans negotiated with your council or their enforcement agents — based on what you can actually afford.
Learn more →Support to access Universal Credit, Housing Benefit, hardship schemes and the Household Support Fund.
Learn more →Know your rights, stop bailiff action and protect your home and belongings from enforcement agents.
Learn more →Council tax arrears can be included in formal debt solutions. Depending on your circumstances, one of these options could reduce your payments — or write off what you can't afford.
An Individual Voluntary Arrangement combines debts, including council tax arrears, into one affordable monthly payment. After the IVA (typically 5 years), remaining qualifying debt is legally written off.
Learn more →An informal agreement to repay debts at an affordable rate. Flexible, but interest isn't always frozen and it can take longer to become debt-free.
Learn more →A low-cost option if you have little spare income and don't own your home. Council tax arrears can be included, and debts are written off after 12 months.
Learn more →A formal insolvency that writes off unaffordable debts, including council tax. It has serious implications, so it's usually considered a last resort.
Learn more →Council tax is a priority debt. Councils have strong collection powers, and enforcement escalates quickly — which is why it's so important to get help early.
Miss payments and the council can apply to the magistrates' court for a liability order — often within weeks.
What is a liability order? →Councils can send enforcement agents to your home to recover the debt, adding hundreds of pounds in fees.
How to stop bailiffs →The council can take money directly from your earnings or benefits through an attachment of earnings order.
Stop wage deductions →In extreme cases, unpaid council tax can lead to charging orders, insolvency proceedings or even committal to prison.
Court & consequences →Call us or complete our quick online form. It's private, confidential and won't affect your credit score.
An experienced advisor reviews your situation without judgement and explains every option available to you.
If you decide to go ahead, we handle the paperwork, deal with the council and creditors, and work to stop enforcement.
An IVA isn't right for everyone, but it could be a good fit if the following apply. If not, we'll point you towards a more suitable option.
Your total unsecured debts — council tax arrears, credit cards, loans, catalogues — add up to more than £7,000.
You owe money to at least two different creditors (your council counts as one).
You can afford to pay something meaningful each month — typically £100 or more — once essential living costs are covered.
A typical IVA lasts 5–6 years. Checking whether you qualify won't affect your credit score.
"The service was fantastic… made me feel confident."
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"Outstanding service, very helpful and understanding."
"Every person we spoke to was friendly and explained every option clearly."
Everything you need to know about arrears, bailiffs, court action and writing off council tax debt — written in plain English.
Your rights, what bailiffs can and can't do, and how to stop enforcement action.
When council tax debt can be written off, and the solutions that make it possible.
What happens when you fall behind, and how to get back on track affordably.
Reaching out is the hardest step — and the most important one. Speak to a friendly, experienced advisor today. 100% confidential, no judgement, no obligation.
0161 820 1298 Check if you qualify online