30 September 2024, 5:41 AM
It is so easy to put your head in the sand when it comes to stressful situations, such as lapsing in bills like council rates. But the consequences of leaving your rates unpaid without a solution.Council rates are a tax that everyone who owns a home, pays to their local council. Rates pay for things such as waste collection, water and sewerage, parks, libraries, and footpaths. It is so important not to ignore communication from your council, if you run into a situation where you are behind on your rates.Everyone goes through hard times, and to be proactive is the key. Get in front of it and contact your council, and to a financial counsellor by calling 1800 007 007. Catholic Care Wilcannia-Forbes and Legal Aid NSW can assist you in asking the council for a meeting to explain why you can’t pay, a financial hardship arrangement, a payment plan, and a discount on how much you pay if you get Centrelink. If you do nothing, the debt will just grow and grow. You will be charged interest and the costs of recovering the debt. Debts can become much bigger because of interest. Interest is a percentage of the total amount you owe that council charges you because you haven’t paid your rates on time. If you don’t pay your rates, the council can ask you to pay them. The council will send you a letter or email asking you to pay your rates. After they have made this compulsory effort, they will take you to court.The council can ask the court for an order confirming the debt you owe. After the debt is confirmed, the council can ask the court to take money from your pay or bank account, and sell your things. If the council takes you to court, the debt will increase because of court costs, legal fees and interest. If your rates remain unpaid for five years, the council can sell your home and the sale will be advertised in the local paper. Where can I get legal help? When Court is on you can see Legal Aid NSW on Wednesday from 10am to 1pm, then from 2pm to 4pm at REDIE, on Thursday at Catholic Care from 9.30am to 1pm. You can also call the Legal Aid NSW Broken Hill Office on (08) 8004 9600 or the Legal Aid NSW Civil Law Service for Aboriginal Communities on 1800 793 017. You can find more information by searching for unpaid council rates on the legalaid.nsw.gov.au website.