Council Tax Debt in Scotland – Solutions Scotland

Council Text Debt

Council Tax Debt and how to handle it

If you have Council Tax Debt that you cannot afford then don’t worry just yet because there is a handful of solutions that will help you repay them. Firstly Contact your council as soon as possible if you’re struggling to pay your Council Tax or are behind with your payments.

Council Tax Debt – If you miss Council Tax payments

When you miss a bill, the council will give you a reminder notice giving you 7 days to pay. If you don’t pay within seven days, you’re going to have to pay Council Tax for the entire year instead.

If another Council Tax payment is missed, you’ll be given a second reminder note.

In a financial year, you can only get a maximum of 2 alert notes-this runs from April 1 to March 31 of the next year.

council tax debt

Your council will give you a final notice, specifying that if you skip a payment for the third time, you must pay Council Tax for the entire year.

What happens if you don’t pay the Council Tax for the year

Your council can get your employer to pay your unpaid Council Tax directly from your wages. Your council can also apply to take money from the following benefits:

  • Employment and Support Allowance Income
  • Support Jobseeker’s Allowance
  • Pension Credit Universal Credit

You should ask the council if you can make smaller payments if this means you won’t have enough to pay your other bills. The council is no obliged to agree with your request but they tend to make an arrangement with you.

Sheriff Officers

If there’s no other way to recover your debt, your council will send the Sheriff Officers to seize your house. Before the bailiff meets you, they will tell you how much you owe.

The expenses of the bailiffs can be added to the overall sum that you owe the council.

Sheriff Officers who implement debt collection are commonly known to use heavy-handed scare tactics to try to shake you down. But it is not common knowledge to who sheriff officers are, and what they are not legally authorised to do.

Sheriff Officers are the Scottish equivalent of bailiffs who serve as agents of debt management to help recover unpaid debt from private businesses and local authorities. Walker Love, Stirling Park and Scott & Co are examples of these firms.

Although there are few rules about what sheriffs should tell you, it is highly legislated what they are supposed to actually do.

Sheriff officers are mindful of the law and will strive to work their best to the very limits of what it requires. Fortunately for you, there are many basic steps that are well within Scottish law that you should take.

You can stop sheriff officers from taking your possessions and prosecuting your wages as long as you know your rights, or at least stall them so that you have time to seek advice from the experts.

Solutions Scotland Council Tax Debt Solutions

Who are Solutions Scotland? and what debt solutions do they have?

Solutions Scotland is the company that you will need if you are in debt. They can stop action from Sheriff Officers. They can also prevent wage arrestments.

A Protected Trust Deed will see you become debt free in 48 months. You will also write off up to 75% away from your debts. You will make Affordable monthly repayments. Creditors and Sheriff Officers will no longer be able to contact you.

If a Protected Trust Deed isn’t for you don’t worry Solutions Scotland also offer Solutions such as:

Debt Arrangement Scheme (DAS)


MAP (Minimal Asset Process)


0141 739 810



Solutions Scotland is a trading style of Milton & Stirling Ltd, Company Number SC587851 – Solutions Scotland, 78a Stanley Street, Glasgow, G41 1JH. DPA number ZA431921

Milton & Stirling Ltd are an Appointed Representative of MichaelAlan Ltd who are authorised & regulated by the Financial Conduct Authority, FRN 690939.

As part of our free service, we’ll review your financial situation, explain the available options and recommend a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly and if you decide to go ahead with a debt solution we will refer you to one of our trusted providers who specialise in the management of that debt solution. We’ll be paid for introducing you or for the preparatory work we do, depending on your debt solution fees may be payable if ongoing services are provided. Read about fees and key information in our terms & conditions. To find out more about managing your money and getting free debt advice, visit Money Advice Service , an independent service set up to help people manage their money.