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: Most TTP arrangements last between 6–36 months depending on affordability. Why Use a Professional? HMRC is more likely to accept proposals that are: 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: 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: 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: Avoid liquidation 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: 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: 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: 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: Contact Acme Credit Consultants Ltd Today 📞 Phone:0208 568 9687 / 07459850181📧 Email:debt@acmecredit.co.uk🌐 Website: www.acmecredit.co.uk