Behind with
council tax?
Council tax arrears can escalate quickly and should be treated as a priority when reviewing your finances.
Council tax arrears
Council tax differs from ordinary consumer borrowing because local authorities have specific recovery and enforcement routes. If you have council tax arrears, deal with them promptly and include them in any full debt assessment.
Depending on the timing and circumstances, arrears may be relevant to a statutory debt solution, but ongoing council tax still needs to be budgeted for appropriately.
When to get help
If payments are being missed, balances keep rising, creditor contact is increasing or the monthly budget no longer works, it is sensible to review the whole position rather than trying to move money between debts.
The Scottish Debt Check is designed to collect the starting information needed for that conversation.
Questions people ask before taking the next step
Can this debt be included in a Trust Deed?
Many unsecured debts can potentially be included, but the exact treatment depends on the liability and your circumstances.
Could DAS include it?
Many debts can form part of a DAS DPP, but an approved money adviser should confirm the correct treatment.
Should I stop paying?
Do not deliberately stop or change payments based solely on website information. Get appropriate advice about priority bills and the consequences first.
You don’t have to work it all out yourself.
Answer a few questions and find out which Scottish debt options may be worth discussing.
Confidential. No commitment. For Scottish residents.