Personal, Business, and HMRC Tax Arrears – Self Assessment, VAT

Corporation Tax and PAYE

Are you struggling with personal debt, business liabilities, or HMRC tax arrears?

Whether you face credit card bills or manage a limited company under pressure, Acme Credit Consultants Ltd can help. Our team has years of experience in UK debt management, insolvency solutions, and financial restructuring. We provide tailored services to help you regain control of your finances.

✅ Why Choose Acme Credit Consultants Ltd for Your Debt Solutions?

At Acme Credit Consultants Ltd, we know debt issues can feel overwhelming. Our expert consultants offer:

  • Free initial debt assessment
  • Confidential, no-obligation advice
  • Customized financial solutions
  • Help with creditor negotiations
  • HMRC debt resolution and Time to Pay arrangements
  • Support for limited company directors under financial stress

Our mission is to provide ethical, FCA-regulated services to individuals and businesses across the UK.

Debt Solution Services We Offer

We specialize in three key areas:

  1. Personal Debt Solutions
  2. Limited Company Debt Support
  3. HMRC Tax Arrears Solutions

Let’s explore each in detail.

1. Personal Debt Solutions in the UK

Ignoring personal debt won’t make it go away. We offer a range of debt relief options based on your income, assets, and circumstances.

Common Types of Personal Debt:

  • Credit cards
  • Personal loans
  • Overdrafts
  • Payday loans
  • Council tax arrears
  • Utility bill arrears
  • Store cards
  • Catalogue debts

Our Personal Debt Solutions Include:

a) Debt Management Plan (DMP) A DMP is an informal agreement to repay debts at an affordable rate. We negotiate to:

  • Freeze interest and charges
  • Lower monthly payments
  • Stop creditor harassment

b) Individual Voluntary Arrangement (IVA) An IVA is a formal agreement lasting five years. You make fixed monthly payments, with remaining unsecured debt written off at the end. It’s ideal for debts over £6,000 and protects you from legal action.

c) Debt Relief Order (DRO) For individuals with low income, no assets, and debts under £30,000:

  • Debt is frozen for 12 months
  • Written off if your situation doesn’t improve
  • Affordable for those with no surplus income

d) Bankruptcy Advice If no other option works, we guide you through bankruptcy.

  • Clean slate after twelve months
  • Legal protection from creditors
  • Should be a last resort

e) Full & Final Settlements We negotiate lump-sum settlements, often resulting in substantial debt write-offs.

2. Limited Company Debt Solutions

Running a business comes with risks. If your limited company struggles, Acme Credit Consultants Ltd can help assess your options and protect your position as a director.

⚠️ Common Business Debts We Help With:

  • Unpaid suppliers
  • Bank loans and overdrafts
  • Commercial rent arrears
  • Bounce Back Loan repayment issues
  • HMRC VAT, PAYE, and corporation tax arrears

Our Corporate Debt Services Include:

a) Company Voluntary Arrangement (CVA) A CVA allows a company to repay its debts while continuing to trade.

  • Stops legal action and winding-up petitions
  • Restructures company finances
  • Protects jobs and contracts

b) Business Debt Restructuring We assess your company’s cash flow and liabilities to propose viable repayment solutions.

c) Creditor Negotiations We liaise with creditors to:

  • Reduce interest rates
  • Agree on reduced settlements
  • Avoid court proceedings

d) Company Strike Off & Dissolution Advice If the company has no future, we help you close it down legally.

e) Director Support & Personal Guarantees If you’ve signed personal guarantees, we help mitigate risks and negotiate settlements.

3. HMRC Tax Arrears Debt Solutions

Falling behind on HMRC payments can be stressful. HMRC has strong powers, including asset seizure. Acme Credit Consultants Ltd offers strategies to manage HMRC debt efficiently.

Types of HMRC Arrears We Help With:

  • Self-assessment tax arrears
  • VAT arrears
  • PAYE and NI debts
  • Corporation Tax
  • Time to Pay arrangement failures

⚖️ HMRC Debt Solutions:

a) Time to Pay (TTP) Arrangements We negotiate structured repayment plans, usually over 6–12 months.

  • Avoid penalties and legal action
  • Keep your business running
  • Improve cash flow

b) Appeals and Disputes If you believe your tax assessment is incorrect, we help you appeal or dispute it effectively.

c) Insolvency Support If HMRC threatens legal action, we provide:

  • IVA or CVA support
  • Insolvency protection
  • Mediation with HMRC

d) HMRC Payment Break Advice If you face temporary hardship, we help you apply for payment pauses or reduced contributions.

👥 Who We Help

We assist clients from all backgrounds, including:

  • Salaried professionals
  • Self-employed freelancers and contractors
  • Limited company directors
  • Sole traders
  • SMEs
  • Landlords
  • Retirees

No matter your financial background, we can tailor a solution for you.

⭐ What Makes Acme Credit Consultants Different?

  • FCA Regulated – Your rights and data are protected.
  • Experienced Debt Advisors – Decades of combined experience.
  • Tailored Solutions – No one-size-fits-all approach.
  • Transparent Fees – Clear cost breakdowns from the start.
  • Fast Response Times – We act quickly when time is critical.
  • Holistic Support – your overall financial health.

💬 Real Client Success Stories

⭐ “Acme helped me avoid bankruptcy with a manageable IVA. My life is back on track.” – Sarah, London

⭐ “They negotiated with HMRC and set up a Time to Pay plan in under a week.” – Jason, Kent

⭐ “We were about to lose our business. Acme’s CVA saved us from liquidation.” – Director, Ltd Construction Company, Birmingham

🔍 SEO Keywords You Should Know (And We Use)

  • Debt solution UK
  • Personal debt help
  • Limited company debt advice
  • HMRC tax arrears support
  • IVA advice
  • Time to Pay HMRC
  • Business insolvency help
  • Bounce Back Loan repayment support
  • Debt management consultant UK
  • Company Voluntary Arrangement support

These keywords help potential clients find and trust us. Our blog is fully SEO-optimized to attract and inform.

📞 Ready to Take Control of Your Finances?

Don’t let debt define your future. With the right advice, debt problems can be solved. Acme Credit Consultants Ltd is ready to stand by you every step of the way.

Get in Touch Today:

  • 📞 Call us: +44 7779 648018
  • 📧 Email: debt@acmecredit.co.uk
  • 🌐 Visit: https://houseofit.co.uk/
  • 🗓️ Free Consultation: Book your debt review now

❓ Frequently Asked Questions (FAQs)

❓ What’s the difference between a DMP and an IVA? A DMP is informal and flexible, while an IVA is a formal legal agreement that can write off debt.

❓ Will my credit score be affected? Yes, but many seeking help already have credit issues. A formal solution can be the first step to rebuilding.

❓ Can I get help if I’m self-employed? Absolutely. We work with self-employed individuals, freelancers, and limited company directors regularly.

❓ Is my home at risk? This depends on the type of debt and your solution. We prioritize home protection when possible.