HMRC Tax Debt Solutions for Individuals, Sole Traders & Businesses
Provided by Acme Credit Consultants Ltd
Below are the most effective and compliant solutions available, depending on your circumstances.
1. HMRC Time To Pay (TTP) Arrangement
A key service offered by Acme Credit Consultants Ltd
A Time To Pay arrangement is a structured monthly payment plan with HMRC.
We negotiate on your behalf to secure:
- Affordable instalments
- Suspension of enforcement
- Prevention of further escalation
Most TTP arrangements last between 6–36 months depending on affordability.
Why Use a Professional?
HMRC is more likely to accept proposals that are:
- Professionally presented
- Supported by financial evidence
- Realistic and sustainable
- Prepared by regulated specialists
We successfully negotiate TTP plans for both individuals and companies.
2. Informal HMRC Debt Solutions (Non-Formal Agreements)
These are suitable when you don’t require a statutory insolvency solution.
Options may include:
- Short-term payment pauses
- Staged payments
- Reduced instalments
- Cashflow adjustment plans
- “Breathing space” arrangements
We tailor solutions for both personal and business clients across England & Wales.
3. Individual Voluntary Arrangement (IVA)
For individuals and self-employed clients with personal HMRC debt
An IVA allows you to:
- Consolidate HMRC and other debts
- Make one affordable monthly payment
- Freeze interest and charges
- Write off remaining debt at completion
- Gain legal protection from HMRC
HMRC often agrees to IVAs when the proposal is fair and professionally structured.
4. Company Voluntary Arrangement (CVA)
For limited companies with serious tax arrears
A CVA allows your business to:
- Restructure VAT, PAYE, CT and business loans
Avoid liquidation
- Continue trading
- Freeze interest and charges
- Stop creditor pressure and legal action
- Reduce monthly outgoings
CVA is one of the strongest rescue options for businesses facing HMRC pressure.
5. Business Debt Restructuring & Cashflow Stabilisation
At Acme Credit Consultants Ltd, we help companies to:
- Review cashflow
- Prioritise debt repayment
- Manage trade creditor pressure
- Negotiate with lenders
- Build sustainable recovery plans
This is often essential before, during, or after negotiating with HMRC.
6. Bankruptcy or Liquidation (Last Resort Options)
Sometimes, the best solution for individuals or companies may be an orderly closure.
We provide confidential guidance on:
- Debt Relief Orders
- Bankruptcy (for individuals)
- Creditors’ Voluntary Liquidation (CVL)
- Managed company closure
Our priority is always to avoid insolvency, but when necessary, we handle the process sensitively and professionally
How Acme Credit Consultants Ltd Helps
We provide a complete start-to-finish service, including:
1. Immediate Case Review
We analyse your HMRC letters, deadlines, and current arrears.
2. Direct Communication
We take over discussions to reduce stress and prevent aggressive escalation.
Benefits of Working with Acme Credit Consultants Ltd
✓ FCA-compliant, ethical and transparent advice
We never overpromise or mislead.
✓ Specialists in HMRC negotiation
Our team has experienced advisors handling complex cases daily.
✓ Fast response for urgent cases
Same-day support for enforcement threats.
✓ Solutions for both individuals and companies
We understand the needs of contractors, directors, SMEs, landlords and more.
✓ Personalised support
No generic templates, your plan is built around your exact circumstances.
Frequently Asked Questions (FAQ)
1. Will HMRC accept a payment plan?
Yes, if the proposal is realistic and supported by accurate financial information.
2. Can HMRC write off tax debt?
HMRC itself does not “write off” debt voluntarily, but debt can be written off through:
- IVA (individuals)
- CVA (companies)
- Bankruptcy / liquidation
3. What if HMRC has already sent bailiffs?
We can still intervene and negotiate. Contact us immediately.
4. Can a business continue trading during HMRC debt negotiations?
Yes, most of our solutions allow your business to operate normally.
5. What if HMRC rejects my Time To Pay request?
We can appeal, renegotiate or explore alternative solutions.
Conclusion: Get Expert HMRC Tax Debt Help Today
Whether you are an individual, self-employed person, sole trader, or company director, HMRC tax debt can feel overwhelming, but it is absolutely manageable with the right support.
At Acme Credit Consultants Ltd, we provide ethical, confidential and experienced guidance to help you:
- Stop enforcement
- Protect your income and business
- Regain financial stability
- Build a sustainable repayment plan
- Resolve HMRC debt for good
Contact Acme Credit Consultants Ltd Today
📞 Phone:0208 568 9687 / 07459850181
📧 Email:debt@acmecredit.co.uk
🌐 Website: www.acmecredit.co.uk