Resolve HMRC debt problems with expert guidance. We help UK businesses negotiate Time to Pay arrangements, prevent enforcement action, and protect your business from HMRC closure threats.
HMRC can close your business, seize assets, and pursue directors personally. Don't ignore HMRC demands - act now to protect your business and personal assets.
HMRC debt can destroy your business if not handled properly. We specialize in resolving all types of HMRC debt with proven strategies that protect your business and personal assets.
Unpaid VAT returns, late filing penalties, and surcharges. HMRC's most aggressive enforcement area with powers to close businesses immediately.
Risk: Business closure within 7 days of demand
Unpaid employee income tax and National Insurance contributions. Directors can be held personally liable for PAYE debts.
Risk: Personal director liability and prosecution
Unpaid corporation tax, late filing penalties, and interest charges. Can trigger winding-up petitions and director investigations.
Risk: Winding-up petition and asset seizure
Construction Industry Scheme deductions not paid to HMRC. Common in construction and building trades with severe penalties.
Risk: CIS registration removal and business closure
Late filing penalties, late payment surcharges, and daily interest charges that can double your original debt amount.
Risk: Debt doubling every 2-3 years through interest
Combined VAT, PAYE, Corporation Tax, and penalty debts creating overwhelming financial pressure on your business.
Risk: Immediate enforcement across all debt types
HMRC has more enforcement powers than any other creditor - don't underestimate the threat
Negotiate affordable monthly payment plans with HMRC to spread your debt over manageable periods while keeping your business operating.
Challenge penalties, negotiate interest reductions, and explore statutory concessions to minimize your total HMRC debt burden.
HMRC debt often exists alongside other financial pressures. Explore comprehensive solutions for all your business debts.
Can't repay your BBL? We can help negotiate repayment terms or include it in a CVA
Complete debt restructuring including HMRC, creditors, and operational improvements
Formal agreement with HMRC and other creditors to reduce and reschedule all debts
If you have HMRC debts plus other creditor pressures, a CVA or full financial restructuring often provides better outcomes than addressing each debt separately.
Compare All Debt SolutionsUnderstand your situation and options with our professional assessment tools
Calculate your total debt position, debt-to-income ratios, and assess insolvency risk including HMRC obligations
Determine urgency level of your HMRC debt situation and get personalized recovery recommendations
Essential for Time to Pay applications - HMRC requires accurate cash flow forecasts. Download our professional template.
47-point assessment covering financial health, operational efficiency, and recovery potential - with instant PDF report
Learn from specialists who've successfully negotiated thousands of HMRC debt cases
How to apply, approval requirements, and what HMRC expects from you
Read Guide →Spot cash flow problems before HMRC debt becomes critical
Learn More →Systematic approach to recovering from HMRC and other debts
View Checklist →Expert answers to common questions about dealing with HMRC debt, Time to Pay arrangements, and tax enforcement.
Don't wait for a winding-up petition. Act now to protect your business and resolve your HMRC debt.
A practical guide to negotiating with HMRC over tax debts, Time to Pay arrangements, and avoiding enforcement action.
Before contacting HMRC, prepare a complete picture of your finances:
HMRC has a dedicated team for businesses struggling with tax debts:
Phone: 0300 200 3835
Open Monday to Friday, 8am to 8pm. Ask for the Time to Pay team.
HMRC will assess your proposal based on what you can realistically afford:
Typically 3-12 months, longer for larger debts
Must clear debt before next tax due date
Cash flow forecast, accounts, bank statements
💡 Pro Tip: Build some flexibility into your proposal – HMRC may counter-offer with a different payment schedule.
Before ending the call or meeting:
A Time to Pay agreement requires ongoing compliance:
We can liaise with HMRC on your behalf and explore all options for resolving your tax debts.
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