Money guide

Tackle council tax arrears before they escalate

Understand how council tax arrears are recovered, check discounts and reductions, and agree an affordable plan before enforcement action begins.

Time needed: 1–2 hoursUpdated: 28 September 2026

Council tax is a priority debt, and arrears can escalate quickly if they are ignored. Acting early gives you the best chance of agreeing an affordable arrangement and avoiding extra costs. This guide explains the general process in England and Wales and how to respond at each stage.

Step by step

  1. Read every letter carefully

    Look at what stage you are at: a reminder, a final notice, a court summons or a liability order. Each stage has different options and deadlines. Note any dates on the letters and act before them.

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