Credits: Stepchange rise in council tax arrears enquiries.

Write off up to 75% of your Council Tax Arrears using Scottish Government Legislation.

Many Scottish residents are dealing with the stress of a receiving a Sheriff Officer letter, currently have their earnings arrested or figuring out how on earth they will manage with their earnings or bank being arrested to pay back old Council Tax Arrears from their local council.

Is it common?

Many Scottish residents believe like a common household debt that local council debts can go away or the professional term become statute barred, after a period of time (Five years in Scotland). However this is not true as local councils in Scotland have the right to pursue an individual for Council Tax Arrears for twenty years, this also includes debts overpayments of Social Security Benefit.

Has the letter from the Sheriff Officers landed yet?

So if you have ever tried to avoid paying Council Tax in the past the likely hood whether you have moved about or not they will eventually catch up with you. Local councils in Scotland use Sheriff Officers to collect debts as they have more powers than your average debt collection agency such as arresting your earnings, freezing funds from your bank account or taking court action to proceed with Sequestration (Bankruptcy in Scotland). The most commonly used Sheriff Officers in Scotland for the collection of Council Tax Arrears tend to be Walker Love, Scott & Co, Alex M Adamson, Stirling Park.

What to expect after the Sheriff Officers letter has landed?

After receiving your Summary Warrant letter from the Sheriff Officer, a route commonly taken by HMRC to recover debt also, which also adds 10% for judicial expenses, they will look to attend the property to seek a resolution to pay the debt back. If they do not feel on that visit that either a suitable offer to the council to repay the debt back or cannot make contact they can then look to seek funds from the individuals earnings or bank account linked to them.

What is a Direct Earnings Attachment (DEA)?

A Direct Earnings Attachment (DEA), also known as; Wage Arrestment Order (WAO) will deduct a percentage of your earnings (Click here for exact amount of what can be deducted based on your earnings), in order to repay the debt back in full (plus fees accrued).

How to write off Council Tax Arrears that you cannot afford to repay?

Here at Scottish Trust Deed, we help Scottish residents write off all debt that is not affordable to repay back using a Scottish Protected Trust Deed (Government Legislation). A Scottish Protected Trust Deed allows Scottish residents to repay what they can afford each month towards their debt for four years & the rest of the debt is legally written off (as long as that individual does not own more assets that they owe) with other benefits such as no more contact from their creditors, keeping their home & car, freeze all interest & charges, prevent legal action from creditors, stop current & future earnings arrestment.

How to set up a Scottish Protected Trust Deed to help with Council Tax Arrears & other debts?

Speak to one of our staff on 01418460113 or leave your details on our site for us to get in touch – Click Here

Our staff will happily assist you on the phone or via email to make you aware of the process & gather documents in order for us to pass your case to a licensed Insolvency Practitioner to review your case to check your eligibility for a Scottish Protected Trust Deed.

Once your case has been confirmed someone will visit your home for free to witness your Trust Deed proposal once you are completely happy & satisfied with the plan.

Your case will then be proposed to your creditors for protection in order for everything to take place.

What documents will be needed to check eligibility for a Scottish Protected Trust Deed?

Photo Identification – Bank Statements – Payslips or Proof of Income – Mortgage Statement or Tenancy Agreement – Proof of Creditors