Write off up to 81% of your debt before the Bailiffs arrive
Across the country, councils are getting ready for their debt collectors to go back to work. It means that very soon, bailiff officers and enforcement agents will be back on patrol.
When Scotland first went into lockdown, local authorities had no choice but to put their debt collection tactics on pause and allow households a break from the first two payments due, in April and May.
The government also temporarily halted debt enforcement action.
But now, lockdown is easing. People are getting back to work. And that includes bailiff officers.
It’s vitally important to have a plan in place for dealing with council tax arrears before that happens.
The good news? There is a way out. You can stop the calls and letters. There’s support available for people facing bailiff officer action that could help you write off up to 81% of what you owe.
Bailiff officers have more power than debt collectors. Don’t be caught out.
If you’re among the estimated two million people in the UK who are now further behind on their council tax payments due to the pandemic, you may be alarmed to find bailiff officers knocking at your door sooner rather than later.
As soon as you stop paying a priority debt such as your council tax, bailiff officers become a very real possibility.
And if you’ve never dealt with one before, you could be in for a nasty shock. Bailiff officers aren’t like debt collectors. Yes, they’ll call you, send you letters and chase you for historic debts. But they also have far more power than a debt collector. Here are just a few things they can do if they have the right paperwork:
- Attempt to gain entry to your home between the hours of 6am and 9pm.
- Bring a locksmith to your house and force entry (depending on the debt).
- Seize your belongings and possessions to use towards paying your debt.
They’ll also add hefty fees to any debt you have for visiting your property. And the more they pursue you, the faster these fees will add up.
Not only is a home visit from bailiff officers or enforcement agents incredibly stressful, it can be a deeply embarrassing ordeal for you and your family to go through.
Which type of debt concerns you?
Pay Day Loan
Catalogie & Store Cards
No-one should delay dealing with council tax debt
Even before the country went into lockdown, local authority debt collectors were revealed to be some of the most aggressive creditors. Council tax is the country’s fastest growing problem debt – and since the pandemic this has only increased.
Councils handed over 2.6 million debts to enforcement officers in 2018/19. Of these, 1.4 million were for council tax debts.
You might not have noticed the strain of your council tax bills recently. After all, there’s been a break in February and March from making payments. Some local authorities have even allowed people to delay paying their April and May bills.
But you can’t put off paying your council tax forever. Your local council will be expecting a payment in June. And they will resume recovery action for historic debts.
So, if you’re in any level of debt to your local council, you may get a knock on the door sooner than you think.
Many people will not be in a position to pay
Times are tough for so many of us right now. Maybe you’re only on 80% of your usual salary. If you’re self-employed, you might be waiting for a payment from the Self Employment Support Scheme to come in. Or if you’ve lost work, it’s possible you’ve been hoping the many payment breaks on offer will tide you over until you’re back at work.
But councils have not taken the same measures as private companies. No official guidance has yet been issued from local authorities about council tax breaks. And they won’t hesitate to pursue anyone who’s in debt to them.
If you’re not back at work yet, you could be wondering where you’ll find the money to keep the council tax bailiff officers at bay, or how you could possibly catch up with your spiralling debt on a reduced income.
Don’t wait for the bailiff officers to show up… deal with your debt today.
The reality is, your council tax debt doesn’t go away just because of the current crisis.
Even on a payment break, interest is being added all the time. And all those delayed payments will have to be made eventually.
If you’re worried about existing council tax debts or if your credit cards have become unmanageable and you’ve exhausted your overdrafts… maybe it’s time to stop borrowing and start dealing with the issue.
If it’s gone so far that you don’t know where to begin with your debt… it’s good to know that there is hope. Government-legislated debt relief is available. And it’s designed to help people in financial difficulty.
- Write off lingering debts that you’re in no position to pay off.
- Know that when the bailiff officers come back, they can’t contact you.
- End the interest that’s piling up and the extra charges.
- Get reassurance that there’s a way out of financial turmoil.
Speak to us today, and we’ll look at your circumstances and tell you how much you could write off. Thousands of people are turning to trust deeds to get help with their problem debts. You can stop the pressure, freeze interest and prevent any more charges from being added to your debts.
Get your life back. Speak to us today, for free and in confidence, and escape the shadow of debt.
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