| T O P I C R E V I E W |
| charlieandsteph |
Posted - 02 September 2008 : 18:00:11
are rent (to council) and council tax debts included in bankruptcy |
| 12 L A T E S T R E P L I E S (Newest First) |
| JulianDonnelly |
Posted - 03 September 2008 : 15:23:48
Great point Zoe.
If your council tax "arrears" have been re-scheduled into monthly payments, then it will be viewed by the OR as exactly what your council tax should usually be. The great news is that this will depress your DI when calculating out an IPA.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| zoe |
Posted - 03 September 2008 : 15:21:17
This will at least give you monthly instalments, but will not mean that any of the debt is included in the BR, meaning that you will pay the whole bill. Its catch 22!!!! |
| JulianDonnelly |
Posted - 03 September 2008 : 15:06:44
Great advice 369!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| 369 |
Posted - 03 September 2008 : 15:02:15
Just wanted to tell Charlie and Steph, that I experienced problems with my council tax being included in my bankruptcy. I went bankrupt on the 2nd Nov 07, and put down my council tax as a creditor - but i didnt know the amount as they had taken 2 months to send me a bill. They sent me a bill 3 weeks later, and i battled for 8 months to get it included in my bankruptcy - but in the end they won and it started off at £500 and shot up to £700 because i hadnt paid it - because I was told by my financial advisor and OR (of all people) it was illegal to pay it!!!
Fair to say i was gutted at having to stump up £700 after receiving a Court Summons!
So....my tip is get the bill issued to you before you go bankrupt. |
| JulianDonnelly |
Posted - 03 September 2008 : 12:57:57
Thanks Zoe!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| zoe |
Posted - 03 September 2008 : 11:07:25
No probs Julian
To be honest i was of your mind until this came up.
from the comments from Ian, it appears that this particular Council had a hidden agenda and searched hi and low for a loophole around collecting monies. I will say that 99.9% of councils will play ball and automatically write off. |
| JulianDonnelly |
Posted - 03 September 2008 : 11:04:36
Hi Zoe,
Thanks for the inside scoop!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| zoe |
Posted - 03 September 2008 : 08:15:06
John that is what i thought, i am a Council Tax manager and had always been advised debts were included until this came up!!! . You may want to check out these links.
http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=11187
and
http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=9489
I was surprised!!!! |
| John |
Posted - 02 September 2008 : 22:49:26
Hi
yes but the debt is written off just the same.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
| zoe |
Posted - 02 September 2008 : 20:10:49
Sorry to disagree Julian
whilst 99% of Council tax debts are included within BR proceedings if you have had a bailiff to the property and signed possession has been granted on goods then these goods are the bailiff's possession.
|
| JulianDonnelly |
Posted - 02 September 2008 : 19:59:46
Hi Charlieandsteph and welcome to the forum.
All unsecured debts (apart from student loans) are written off in BR, including rent and council tax arrears.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| Needafriend |
Posted - 02 September 2008 : 18:41:57
Hi and welcome,
Im not 100% sure but hang on in there and someone else should be along shortly to help you out.
Thanks and .............
Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
