Finance

GUIDE To STOP SCOTT & CO ACTION

Have you been visited by a Scott and Co. Sheriff due to unpaid Council Tax, Business Rates, Benefit overpayments or any other debt?

If you have, don’t panic, Council Tax Advisors are the leading not-for-profit organisation who specialise in helping people just like you stop Sheriff action, avoid Wage Arrestment’s and set up affordable repayment plans, ensuring you retain your possessions and can get your life back on track.

TIME TO PAY ORDERS

Once a charge for payment has been issued, you can prevent further action being taken by applying to the court for a time to pay order. This will allow you time to pay off your debt in monthly instalments, and will prevent the council from using diligence against you, which would mean making you bankrupt, having your wages docked or having your belongings seized by Scott & Co.

DEBT ARRANGEMENT SCHEME

You can apply for a debt-payment programme to pay your council tax arrears through regular payments. If you stick to the agreed payments the council will no longer be able to make you bankrupt or take money from your bank or wages, or have your property taken away by Scott & Co. Also, by joining a debt repayment programme, the interest, fees and charges on your debt will be frozen for as long as you keep up the payments. For more information on the Debt Arrangement Scheme, contact our debt advice partners.

SCOTT & CO. EARNINGS ARRESTMENT

If you have not paid your debt in full or applied for a time to pay order, or debt payment programme Scott & Co. will be able to deduct the amount owed from your net wages after tax, over a period of time, in order to collect the outstanding amount. This is called an earnings arrestment. This will remain in place until the total amount you owe has been collected. You will also have to pay Scott & Co.’s fees, which will also be automatically deducted. Before you are served with an arrestment, the council or Scott & Co. by law must send you a debt advice information package 12 weeks before serving you with the earning arrestment. If you have been served with an earnings arrestment there is still time to prevent your wages being docked. If you apply for a time to pay order and it is granted, it will stop the earnings arrestment.

HOW SCOTT & CO. COLLECT CONSUMER DEBT

If you owe money on credit cards, bank charges, loans or any other type of consumer or financial debt, Scott and Co. Sheriff Officers will have the same rights and powers as explained above to collect the debt from you. However, there may be some differences, so if you would like further explanation scott and co.