Recently there has been a disturbing trend for councils to seek the sequestration of homeowners who are more than £1500 in arrears and who may or may not have a history of council tax arrears, even when they are making attempts to pay the arrears off..

We have received many enquiries from homeowners who, having thought that the council was not serious, found themselves bankrupt. Trust us, they are VERY SERIOUS and may well sequestrate you if you have arrears, even when you are making payments to arrears and also have a wages arrestment in place.

There are ways to alleviate the situation but it is imperative that if the council starts court proceedings through the debt courts (as opposed to summary warrant) you get advice from us right away.

You do NOT get time to pay if you are cited to appear in court after a Bankruptcy Notice is served, the Sheriff or Judge does NOT have that discretion.

You will effectively be deemed bankrupt from the day the notice was issued. This of course could have a devastating effect on your life and could cost you everything as your sequestration will cover ALL your debts, not just the council tax arrears.

A Bankruptcy Notice (commonly called a Statutory Demand or 21 day notice) gives you a finite amount of time to deal with the matter, do not waste that time! This also applies if you receive this type of demand for a normal debt such as a credit card. Ignoring it could cost you everything!

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