Stop Stirling Park Sheriff Action

How to stop Stirling Park Council Tax debt recovery in Scotland

Wage Arrestment Expert can help you stop Stirling Park sheriff action for council tax arrears, business rates, benefit overpayments, and any other debt that you may have.

If you have been visited by a Stirling Park sheriff officer, Wage Arrestment Expert provides free advice and mediation services and can help you stop sheriff action, including a wage arrestment or bank account arrestment.

We offer advice on council tax arrears, business rates, benefit overpayments, and any other type of debt you may have.

Our expert advisors can mediate and negotiate an affordable and sustainable repayment plan for you, allowing you to keep your possessions and avoid any further diligence.

How does Wage Arrestment Expert help me stop Stirling Park?

• We will contact Stirling Park on your behalf
• Request a temporary hold on sheriff action for up to 28 days
• Mediate and negotiate with the local authority and sheriff officers
• Arrange an affordable and sustainable repayment plan for you
• Our services are FREE of charge

Council Tax recovery from Stirling Park Sheriff Offices

If you or anyone else liable for paying council tax miss a payment date, you will be sent a reminder by your local council requesting you to pay the outstanding bill. You will be given seven days to contact the council and make a payment arrangement when you receive this first reminder notice.

You should be able to pay by instalments that are affordable. However, if you’re unable to reach a suitable agreement, you will be sent a second reminder letter. You now have 14 days to pay the amount owed in full.

If you have been sent two reminder letters from the local authority and have still yet to make a payment arrangement, the council are within their right to apply for a summary warrant through the Sheriff Court requesting you pay any outstanding debt.

Once this summary warrant has been granted, they will send your contact details, including the amount you owe to Stirling Park. Stirling Park sheriff officers will send you the summary warrant which will state how much you owe including details on how to set up a repayment plan. Expect a 10% penalty charge to be added on top of the amount owed as part of their fees.

What if Stirling Park use diligence and a charge for payment?

If you receive a summary warrant from Stirling Park sheriff officers, you will need to contact them immediately to set up a suitable repayment plan. If you fail to do this, the council may take additional steps to acquire a charge for payment.

This is a final notice requiring you to contact Stirling Park and/or the council within 14 days to arrange a payment plan, otherwise they can take further legal action against you, known as diligence.

Diligence gives Stirling Park the authorisation to recover any outstanding council tax debt from you in a number of different ways. This may include taking money directly from your bank account or wages/salary.

If they are unsuccessful, the local authority may take further action by applying for an Exceptional Attachment Order through the Sheriff Court.

This Exceptional Attachment Order allows Stirling Park sheriff officers to prevent you from selling your business, land, or property. They may remove goods from your property, in order to sell them to help cover any debts you may have.

Stirling Park can use a number of different types of diligence for debt recovery.

This can include:

• Earnings arrestment: money is taken directly from your wages/salary
• Bank account arrestment: your account(s) will be frozen and money is taken from them
• Attachment of property outside the home: items that are outside your home can be taken and sold
• Exceptional Attachment Order and bankruptcy: this prevents you from selling your business, land or property

Please note: An earnings arrestment is also referred to as a wage arrestment.

Apply for a time to pay order

If you apply for a Time to Pay Order through the court, you can stop further diligence from Stirling Park. The name is self-explanatory and gives you time to pay off any money that you owe in smaller monthly instalments. If this is granted, remember to make sure that the instalments are affordable and that you keep to the payment dates.

What if Stirling Park Sheriff Officers us an Earnings Arrestment?

If you still haven’t paid your council tax arrears or any other debt you’re being chased for and have received a charge for payment, have not yet applied for a time to pay order or entered into a debt payment programme, Stirling Park sheriff officers will proceed with diligence. They will conduct an earnings arrestment, also referred to as a wage arrestment to recollect the outstanding debt. This allows them to contact your current employer and request that money be taken directly from your wages/salary. The money taken will be from your net income (income after tax and national insurance). This will continue to reoccur until you have cleared the total amount owed including any fees and charges. Sheriff officers from Stirling Park will include this as part of their own administration costs.

If you do receive an earnings arrestment, the council or Stirling Park are required to send you a debt advice and information pack 12 weeks before this is scheduled to take place. This pack contains details on how to apply for a time to pay order and debt payment programme amongst other useful information.

What if Stirling Park us attachment of property outside of my home?

If you have failed to respond to the two previous reminder letters for non-payment of council tax, you may be subject to attachment of property outside the home, also referred to as attachment of goods. Sheriff officers from Stirling Park now have the right to remove goods that are outside your home, these can be sold to cover the amount owed. Expect admin fees and charges to be applied when Stirling Park carry out this attachment. If you have paid the amount owed in full, set up an arrangement for a repayment plan, or your application for a time to pay order has been granted, you can safely ignore this.

Either the council or Stirling Park will send you a debt advice and information pack 12 days before this attachment order is carried out. This pack will contain information on what actions you can take to prevent your items from being removed by sheriff officers. Options include applying for a time to pay order or entering into a debt payment programme.

By law, Stirling Park are unable to enter your home unless an Exceptional Attachment Order has been obtained through the Sheriff Court. However, they are allowed to enter a business premises, garage, or any outbuildings. They can still enter locked buildings by breaking locks, and forcing open doors and windows.

It is important to note that there are some types of items that sheriff officers from Stirling Park are unable to include in the above attachment. These are books, tools, and other equipment that is essential to your business or work, valued up to £1,000, vehicles valued up to £3,000 that are required to operate your business, or a mobile home if it is registered as your main residence.

If the attachment is carried out, you will be given a list of items that they have included along with a valuation for each item. Stirling Park sheriff officers are able to take items away and sell them after 7 days to raise money for your council tax arrears or any other outstanding debt. Remember that you will still need to pay any outstanding amount if the items that are sold do not cover the full balance.

You have the option to buy back any items that were listed at the amount they were valued by Stirling Park within 14 days of this attachment taking place. A friend, family member or relative may be able to help you with this.

If you believe that an item has been removed that was exempt from this attachment order, belongs to a third party or is on hire purchase, you are within your rights to challenge this by applying to the court.

What fees can Stirling Park Charge me?

At each stage of the debt collection process, Stirling Park can charge a number of different fees on top of the amount owed. We have outlined the fees structure below:

Attachment of vehicles and heavy machinery

Attachment of earnings or bank account

Taking possession of belonging

Remember, there may be further admin fees applied by Stirling Park for things like phone calls or making duplicate copies of any documents etc. For more information on what fees you may be charged by sheriffs, call Wage Arrestment Expert on 0141 255 2104 or complete the form above to request a call-back.

Business Rate Debt Collection – Stirling Park

Stirling Park is also contracted by local authorities to recover non-payment of business rates. The same procedures and laws are followed as we have previously explained above for council tax arrears. This also means you have similar legal rights, giving you the option to apply for a time to pay order through the sheriff court or a debt payment programme to prevent further diligence from taking place. However, it is important to note that the local authority has the option to apply to make you bankrupt if you have business rates arrears of more than £3,000 and Stirling Park are unable to recover the debt using any other form of diligence (see above). If they pursue this route, you will no longer have time to apply to the sheriff court for a time to pay order.

Note: Bankruptcy, like many other options has its own advantages and disadvantages. It is important to ensure you’re getting the right advice that is up to date from a specialist advisor. You could potentially lose your assets, business, or property. If you owe business rates and are concerned about the local authority applying for bankruptcy, call Wage Arrestment Expert on 0141 255 2104

Consumer and Private Debt Collection via Stirling Park

The sheriff company also provides debt collection recovery for the Scottish private sector as well as public sector. This includes landlords. Stirling Park sheriff officers have the same legal rights previously explained above to recover outstanding debts for things like rent arrears, loans, credit cards, store cards, catalogues, overdue bank charges including overdrafts, and a whole range of other consumer debts. Overall, the same laws and processes mentioned above apply, but there will be some differences.

If you have been contacted by the council or sheriff officers, whether it be Stirling Park or any other sheriff company. Call Wage Arrestment Expert today on 0141 255 2104. We provide free expert advice and mediation services, we’re able to negotiate an affordable and sustainable repayment plan for you. Alternatively, complete our online form to request a call-back.

Are you facing a bank arrestment or earnings arrestment, or have one in place already? We may be able to look into a number of solutions available to stop this from taking place or remove it if it’s already in place.