Please help, massive council tax arrears! SCOTLAND

sleepless_saver

adi_clarke85 wrote: »

End of the line is prison, bankruptcy or charging order... Knowing she owns the properties I think a charging order maybe in question rather than bankruptcy - council tax is a low priority in bankruptcy, not sure if this is the same in the Scottish version.

This is a bit alarmist. You can't be imprisoned in Scotland for council tax debt, and if the OP gets some proper advice it should be possible to avoid bankruptcy.

HappyMJ

pinklipy wrote: »

Sorry freebi50, didn't mean to be passive about CT, all I meant was nobody I know pays council tax through council, everyone is through sherrif officers and they have never came to my house, also since the age of 16 I have never had any guidance on these things, so being left a home owner at that age meant I just foun my own way so for them to keep adding on thousands year after year only increasing my payments by pounds Never made me realise it was a big deal, until now. I am not trying to make excuses and all my other finance are in order.

Happy mj, I calculated the £40000 equity lol, the mortgage on the property is around £100000 (just over) and the property is worth around £130,000-£140,000 but I didnt realise how it worked in regards to them selling it. Does it still have enough equity in it for them to make me bankrupt?
Would they rather make me bankrupt or let me pay monthly?
Thanks

It's jointly owned the other joint owner can buy your share for the amount I said earlier. It's then no longer yours and they can't sell it. The amount your sister gives you £6,250 will then go to your creditor the council and the remainder is written off. You keep the house albeit in your sisters name and life goes on.

pinklipy

My sister isnt responsible as although we both own it, I lived in it myself for the first 5 years then it was rented out as I bought a home with my ex, he isn't responsible as we have lived separate for a number of years. Although he does help us out financially a fair amount and when our baby comes in jan he will help more so theirfor I am hoping to offer them around £300-£350 per month and pray they accept it.

pinklipy

Could I sign the property over to my sister before/if it goes to court?
The amount of tax I owe is including the 25% discount.

HappyMJ

pinklipy wrote: »

Could I sign the property over to my sister before/if it goes to court?
The amount of tax I owe is including the 25% discount.

Yes you can. At a reasonable and fair price calculated in the way I calculated earlier. She has to give you something even if it is only £1 if the amount worked out ends up being a negative figure.

mildred1978

pinklipy wrote: »

My sister isnt responsible as although we both own it, I lived in it myself for the first 5 years then it was rented out as I bought a home with my ex, he isn't responsible as we have lived separate for a number of years. Although he does help us out financially a fair amount and when our baby comes in jan he will help more so theirfor I am hoping to offer them around £300-£350 per month and pray they accept it.

Obviously not that separate!

mildred1978

pinklipy wrote: »

Really? So they wouldn't want me having sky, mobile phone, hp car etc? .

Would you be happy if your tenant paid for those things instead of paying you your rent??

mildred1978

pinklipy wrote: »

Not to sound silly but I take it I won't be able to "live" untill it is paid off, what will I do for ££ at xmas's and birthday etc?

Learn to knit.

Honestly, if someone had owed you for 6 years and had now run up a debt of £13k, would you be happy for them to spend £££s on presents?!

mildred1978

You have paid tax on your rental income, haven't you?

pinklipy

Mildred 1978,
I am not here to be judged on what goes on with my kids father, I'm sure lots of people on this site have complicated "relationships".
After the rental income has been split between my sister and I, the mortgage, factors, insurance paid their is no income left to declare. Also you only have to declare over and above £2500, makes no difference as I don't make anything anyway.

I will 100% put all my efforts and ££ to paying this off I am not expecting to live in luxury, all I meant was do they allow you any spare ££ for kids Xmas & birthdays. That's all.