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What happens if you miss council tax payments

Missing council tax payments


Council tax is considered a **priority debt** because local authorities have strong powers to collect it. Understanding the process may help you take action early.


Stage 1: Reminder notice


If a payment is missed, the council will usually send a reminder notice. You typically have 7 days to pay the missed instalment.


Stage 2: Final notice


If a second payment is missed within the same year, you may receive a final notice. At this point, the council may require the full remaining balance for the year to be paid.


Stage 3: Magistrates' Court summons


If the debt remains unpaid, the council can apply to the Magistrates' Court for a **liability order**. A court summons will be sent, and court costs (typically £45–£90) may be added.


Stage 4: After a liability order


With a liability order, the council can:

  • Arrange deductions directly from wages or benefits
  • Instruct enforcement agents (bailiffs) to collect the debt
  • In more serious cases, apply for a charging order on your property or, very rarely, imprisonment

    • What you could consider


  • **Contact your council immediately** — many councils have hardship teams and can set up payment plans
  • **Apply for Council Tax Reduction** — you may be eligible for a discount based on your income
  • **Use our Hardship Letter Generator** to write to your council
  • **Get free advice** — Citizens Advice (0800 144 8848) can help with council tax issues

    • Tools that may help

    Generate a Council Tax LetterFind Benefits & SupportCalculate Your Budget

    Frequently asked questions

    Can I go to prison for not paying council tax?

    Imprisonment for council tax debt is extremely rare and is considered a last resort. Courts must be satisfied that the non-payment is due to 'culpable neglect' or 'wilful refusal'. If you are genuinely unable to pay, this is unlikely to apply.

    Can bailiffs visit for council tax debt?

    After obtaining a liability order, the council can instruct enforcement agents (bailiffs) to visit. However, bailiffs must follow strict rules and you have rights. Citizens Advice has detailed guidance on your rights during bailiff visits.

    Can I get help with council tax?

    Many councils offer Council Tax Reduction (CTR) schemes for people on low incomes. You may also be eligible for discounts if you live alone or have certain disabilities. Contact your local council to ask about available support.

    This guide provides general information and is not financial or legal advice. For personalised guidance, consider speaking to a qualified advisor such as StepChange or Citizens Advice.