Help With HMRC and Tax Debt in the UK

Owing money to HMRC can feel overwhelming. Whether it's self-assessment tax debt, VAT arrears, or missed PAYE payments, the pressure can build quickly — especially when letters from HMRC start piling up. At Fresh Start Debt Support, we help you explore what options may be available to deal with tax-related debts and reduce financial stress.

What Happens If I Can’t Pay My Tax Bill?

HMRC takes tax arrears seriously. If you fall behind, you may face:

• Late payment penalties and interest
• Debt collection agencies instructed by HMRC
• Enforcement action or bailiff visits
• Wage deductions or bank account freezes

Even if you're only behind by a few hundred pounds, it’s important to take action early — before enforcement begins. We help individuals and business owners understand the options available for dealing with HMRC debt in a more affordable way.

Types of HMRC Debt We Commonly See

• Self-assessment income tax debt
• VAT arrears (Value Added Tax)
• PAYE and National Insurance debt (for employers)
• Corporation Tax (for limited companies)
• Time-to-Pay arrangements that have defaulted

If you owe HMRC and can’t keep up, we can help you explore possible solutions.

Can HMRC Debt Be Included in a Debt Solution?

In many cases, yes — HMRC debt can be included in certain formal debt solutions. These may help freeze interest, reduce monthly payments, and stop enforcement:

• IVA (Individual Voluntary Arrangement) – HMRC often accepts IVAs for eligible taxpayers. Suitable for larger debts or those with personal guarantees.
• DMP (Debt Management Plan) – May be used for informal negotiation with HMRC if income is consistent.
• DRO (Debt Relief Order) – May apply to individuals with low income and under £30,000 in total debt.

We don’t offer advice, but we can explain how these solutions are used by others in similar circumstances and what the steps involve.

What If I’m Already Being Chased?

HMRC works with debt collection agencies like Moriarty Law, Link Financial, or CDCBailiffs to recover unpaid tax. If you’ve received a warning letter or a visit is scheduled, we can help you understand what actions may pause enforcement and how others have responded in similar situations.

Can I Include Other Debts Too?

Yes. HMRC debts can be grouped with other unsecured debts such as:

• Credit cards
• Catalogue accounts
• Personal loans
• Gas, water, or electric bills
• Payday loans

We’ll help you explore whether a single monthly repayment plan is available that fits your budget.

Why People Use Fresh Start Debt Support

• ✅ Clear information without judgment
• ✅ No fees to check your options
• ✅ Fast responses from a UK-based team
• ✅ We explain what others have done in similar situations

We don’t give financial advice — but we can help you understand what’s possible, and how to take the next step if you're ready.