Council tax is always one of the easiest  monthly commitments to get into arrears with and one of the hardest to get control of especially if the Council have taken legal action with a County Court Judgement and Bailiff action.

If you are in arrears with your Council Tax and are struggling to catch up, the first thing to do would be to contact your local council with an offer of repayment, your offer must be a reasonable amount for them to accept  and one that you feel can be maintained, Manchester Council will try to get an arrangement in place to clear the arrears.

Payments to your Council Tax can be made by going to the Manchester City Council website here where there is an online payment system and contact details to speak with someone at the Council.

If you are in arrears and cannot find a way forward in getting an arrangement in place, we can reduce the payments going to your unsecured debts which will free up funds to go towards the council tax. We can still deal with the arrears if there has been County Court action or if the bailiffs have become involved.

Call today on 0800 027 9595 or contact us by clicking on the link below and an advisor will call you back.

Everyones financial situation is very different and so the options available and suitability vary and so it is advisable to get the best available debt advice from trained debt advisors.

Our advisors all come from a banking background and not only speak with our existing clients but regularly speak with creditors, debt collection companies and bailiffs so they a deeper understanding of how the whole system works.

If you are struggling to pay your creditors, missed payments to your creditors or struggling to maintain the essentials in life such as your mortgage or rent, council tax and utility bills, we can take a look at your current financial situation to see if a debt management plan would be a suitable option for you.

If you would like to have an informal chat with a debt advisor about your current situation or would like a brochure sending explaining how some debt solutions work, you can contact us below or call on 0800 027 9595.

It is extremely uncomfortable when you have to tell your landlord that you cannot afford to pay the rent this month, even worse when there are unpaid arrears and you have to tell him/her that you are going to have to miss another month. The most important thing here is to keep a cool head and not to let the landlord/tenant relationship break down as the landlord can either be a great help, or make the situation a great deal worse.

If you are currently maintaining payments to other creditors such as loans, credit cards, catalogues, payday loans etc,  we will be able to look at a debt management plan in order to reduce the creditor payments, freeing up the much needed funds to maintain your rent and clear the rent arrears.

Getting the right Manchester debt advice is crucial if your financial situation is spiraling out of control, getting the payments to your unsecured debts down to amounts that you can afford can free up funds to maintain the essentials such as mortgage or rent, your council tax, hire purchase items and utility bills.

We have been helping our clients maintain their rent and clear rent arrears in Manchester since 1997.

Call today if you would like to discuss the options and to find out what we can do for you.

It has to be the most one of the most frightening of debts to deal with as the mortgage company will not allow the arrears to accrue by many months before they start to take some form of action. Communication is essential, you must contact your mortgage provider and explain your current situation, as they will do everything they can to assist in making sure the problem does not get any worse. If you find that the options offered are limited and will only help in buying a few extra months before it becomes a major issue again, we can help.

Using a debt management plan, we can reduce the monthly payments to your unsecured creditors such as credit cards, loans, catalogues and payday loans down to smaller monthly payments, freeing up the funds needed to pay the essentials on a monthly basis. As your mortgage  and mortgage arrears are classed as an essential payment, we can take these into consideration.

If, once we have gone over your income and expenditure and taken your mortgage and mortgage arrears into consideration, you have some disposable income available, we can make reduced offers of repayment to your other creditors for amounts that you can afford, leaving you with the extra money to maintain your mortgage and any mortgage arrears.

If you are struggling with mortgage arrears and are unsure about your options, give us a call and have a chat with an adviser.

There are a number of ways where debt can be written off such as using an IVA, the limitations act or bankruptcy (speak to your debt adviser about these) but having your debt written off by finding mistakes in how the original contract was filled out or the creditor not being able to produce a copy of the original contract is less likely than before October 2009.

Below is an article from This is Money.

A recent landmark High Court ruling has effectively scuppered the ability of indebted people to escape paying back their loans without serious consequences.

The ruling means that if borrowers manage to escape paying their debts on legal technicalities, the lender could still mar their credit history with a ‘default’ notice.
This would remain on file for six years and prevent them from obtaining further credit.

Although the borrower cannot be pursued by bailiffs, this black mark renders the legal argument that they can escape their debts without consequence useless.

It effectively puts them in a similar position to having a County Court Judgment against them. Many may decide to repay the loan rather than have their credit file ruined.

The result is a blow to the multi-million pound ‘claims management’ industry, which has ballooned over the past two years by helping indebted borrowers to escape repaying their loans on the grounds that the original agreements are ‘unenforceable’.

Approximately 100,000 people with claims to have their debts written off may now have to pay up and many of the UK’s 3,000 ‘claims management companies’ (CMCs) should find their success rates for these claims seriously affected.

The High Court case involved an RBS customer, Phillip McGuffick, who used a CMC to argue his £17,000 personal loan from the bank should be declared unenforceable on the grounds RBS was unable to provide a signed copy of the original agreement, a tactic used by most CMCs to clear their client’s debts.

If the bank cannot produce the original signed agreements, the debt can sometimes be written off. If the agreements are produced, CMCs will often argue the agreement does not stand up on the grounds that other vital information is missing.

written by Alan O’Sullivan, This is Money
12 October 2009, 12:00am