Do I do an IVA?

ManyWays

SC said that  basically said bankrupsy and dmp aren’t viable and IVA only. But the council tax would be my responsibility to deal with.
Are you saying Stepchange wont include the council tax debt in an IVA?

elsien

For the sake of clarity, are Rundles debt collectors or bailiffs? 

Wannabehousebuyer

ManyWays said:

SC said that  basically said bankrupsy and dmp aren’t viable and IVA only. But the council tax would be my responsibility to deal with.
Are you saying Stepchange wont include the council tax debt in an IVA?

Won’t include in DMP- hence why they recommend IVA 

Wannabehousebuyer

elsien said:

For the sake of clarity, are Rundles debt collectors or bailiffs? 

I think debt collectors but also will be a balliff if not paid 

Wannabehousebuyer

 This is their letter 

ManyWays

Bailiffs for council tax have no right to enter your house unless you invite them in; do not do this. Do you own a car that is parked outside?

fatbelly

Yes, Rundles are bailiffs

Yes, they always play hardball with payment plans

Yes, in a dmp, you sort out your priority debts first and the others get what is left over.

My earlier question (now in different words) is How much do you owe in Council Tax?

Wannabehousebuyer

ManyWays said:

Bailiffs for council tax have no right to enter your house unless you invite them in; do not do this. Do you own a car that is parked outside?

No it is a company car , thankfully 

Wannabehousebuyer

fatbelly said:

Yes, Rundles are bailiffs

Yes, they always play hardball with payment plans

Yes, in a dmp, you sort out your priority debts first and the others get what is left over.

My earlier question (now in different words) is How much do you owe in Council Tax?

sorry I think I must have missed that, Like 3 years I think, this is one for 2022-23 £1786 
other two I assume are similar and then they have one for e-on (4 accounts total) for 2008£  

fatbelly

You should be able to find out from your council's website, although it does sound like your £150 per month is going to take 30+ months just to clear that one debt.