In similar circumstances, about 10 years ago, I was in deep s**t financially. I made agreements with all the utilities, mortgage lender and other people I owed money to - except council tax, who demanded more than my monthly income and kept taking me to court. I was charged 100's of pounds in court fees, which I couldn't pay. They complained in court that I had been frivolous in spending £50 on a van to get to a self employed job for which I needed tools so couldn't use public transport, but would earn me eough to start paying my debts.
I later found that the advice the council had given me i.e. that I wasn't eligible for council tax benefit because I had a lodger, was wrong and that this bill could have been avoided by claiming benefit. By this time it was too late to do anything about it - their wrong advice cost me a small fortune(to me at the time).They have harrassd me ever since.
The local council are in a monopoly position and clearly abuse this. Almost any other service provider with whom I felt so badly treated I could find an alternative. Not with CT unless I move out of the district which I am at last about to do.
Apologies - rant over.