I’m Behind With My Council Tax
If you are falling behind with Council Tax, deal with it early rather than waiting for the balance and worry to grow.
If you are falling behind with Council Tax, deal with it early rather than waiting for the balance and worry to grow.
Council Tax arrears are a priority debt because councils have formal recovery and enforcement powers.
Check that the bill is correct
Make sure you have been charged for the right period and that any Council Tax Reduction, discount or exemption you may qualify for has been considered.
If your income is low, apply for Council Tax Reduction even if arrears already exist.
Contact the council
Do not wait for recovery action to progress. Tell the council you are in financial difficulty and ask what payment arrangement it will consider.
Explain if you are receiving debt advice or waiting for a benefit decision.
What happens if I ignore the arrears?
The council can use formal recovery procedures and additional costs can be added. The exact process depends on where you live.
If you have received a summons, liability order information or enforcement-agent correspondence, seek free debt advice promptly.
What should I pay first?
Council Tax is normally treated as a priority alongside commitments such as rent or mortgage and energy.
If you cannot cover all priority debts, get advice rather than choosing one at random.
Look at the whole financial picture
If this problem is part of a wider shortage of money, list all debts and essential spending and arrange free debt advice.
The aim is an affordable plan for the household, not simply stopping the next phone call or letter.
7.40: What Are Priority and Non-Priority Debts?
7.50: Where Can I Get Free Debt Advice?
7.56: What Questions Should I Ask Before Agreeing to a Debt Solution?
Important information
This guide provides general information and is not intended to provide financial, benefits, debt, housing or legal advice. Individual circumstances can be different. Check current information from official sources and seek advice from an appropriately qualified or authorised adviser before making important financial decisions.