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i The advice on this page applies to residents in England, Wales and Scotland only.

Council tax arrears

Dealing with council tax arrears

Your council tax bill is a 'priority debt', as there can be serious consequences if you don’t pay. If you’re struggling to pay your council tax, you should get in touch with your local authority and ask them to agree to a payment plan.

We recommend getting free and impartial debt advice as soon as possible if you can’t pay your council tax or other household payments.

signpost iconIn Northern Ireland households pay rates rather than council tax

If you’re in Northern Ireland, read our guide to dealing with rates arrears.

Local authorities have legal powers to collect council tax and they often act quickly if payments are missed.

This could result in bailiffs (or sheriff officers in Scotland) visiting your property if you don’t pay what you owe. This is why council tax arrears are treated as a priority debt.

Get help with paying back council tax arrears

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What if I can’t pay my council tax?

When you fall behind with your council tax you’re at risk of the local authority making you pay the full amount for the year in one payment. To avoid this, you should act quickly to get on top of payments and pay back any arrears.

Get a council tax payment plan

  1. Look at your monthly budget so you can see if there are any ways you can make savings to help you pay your council tax arrears – we will do this as part of your debt advice session, or you can use our guide to making a budget.
  2. Contact the council and ask them to agree to a payment arrangement, based on what you can afford – stick to this payment plan.
  3. Check if you’re entitled to council tax reduction (if you’re on a low income or benefits) or a reduced bill if you live alone. How council tax is calculated.

If you’ve had debt advice, tell the council, so they understand you’re dealing with your money worries

What happens when I miss a council tax payment?

You’ll be sent a reminder letter 14 days after missing a payment.

If you make the payment within seven days of the reminder letter

  • You can continue paying your council tax in instalments.

If you don’t make the payment within seven days of the reminder letter

  • Your local authority can ask you to pay the whole council tax for the rest of the year. You have another seven days to pay the whole amount. You will be sent a final notice to pay.

If you don’t pay within seven days of the final notice

  • You are at risk of being taken to court. The council can issue a court summons for the full balance owed.

    You’ll have to pay additional court costs and if you want to avoid being taken to court, you’ll need to pay this amount in full before the court deadline.

The court process differs depending whether you live in England, Wales or Scotland.

Read about what happens if you don’t pay your council tax

What is a council tax liability order?

Local councils can ask for a liability order to be issued so that court-appointed debt collectors can be instructed and further legal action can be taken to recover the money you owe.

Liability orders can be issued across the UK, with different rules due to the different legal systems.

Find out more about liability orders.

Can council tax arrears be written off?

Councils have the power to write off council tax bills and arrears. However, many will only do so where there is severe hardship. Each council has their own policy.

There are some debt solutions that write off council tax. Council tax arrears will be written off by bankruptcy or a debt relief order (DRO).

If you go ahead with an individual voluntary arrangement (IVA), it may be possible for you to include your council tax arrears in your IVA proposal, and therefore have them written off in due course.

Your IVA application must be approved by your creditors, and it’s not guaranteed your local council would agree to these debts being written off. Please note: DROs and IVAs are only available in England and Wales.

What if my council won’t help me?

If you don’t think your council has treated you fairly you can raise a complaint with the ombudsman services.

Help with council tax debt

If you've missed council tax payments or you're struggling to pay arrears, take two minutes to answer a few simple questions, so we can understand the best way to help you. Or call us for free to talk to one of our expert advisors.

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