— HMRC Specialists · Time to Pay Experts · Urgent Response
HMRC Is Pressing.
We Know How to Respond.
HMRC is the single largest creditor in UK business insolvency. Tax arrears escalate faster than most directors expect — but HMRC debt is negotiable, enforcement can be challenged, and a well-structured proposal can give your business the breathing space it needs.
UK
licensed practitioners
Same
day response
Free
Initial Consultation
Get Immediate Advice
Speak with licensed insolvency practitioners today. Confidential & free.
Director's Helpline
01257 818 197
Licensed practitioners
Hundreds of TTP Arrangements Negotiated
Same-Day Response
Free & Confidential Consultation
— what is company rescue
HMRC Moves Faster
Than Most Creditors.
Company rescue refers to a range of formal and informal procedures available to limited companies experiencing financial difficulty. The
goal is to preserve the business — or at least the viable parts of it — as a going concern, protecting jobs, client relationships, and the value built by its directors over time.
What matters is acting early, understanding your options accurately, and working with one of our Insolvency Practitioners, who is qualified, independent, and focused entirely on your position as a director.
Business Guardian has guided over 3,500 directors through some of the most difficult business situations imaginable. We have seen every scenario — and we know which tools work in each one.
An honest note: Some companies cannot be saved. We will tell you clearly if yours is one of them — and we will tell you the best route forward if it is. Our reputation depends on giving directors the truth, not on generating instructions.
— What we handle
Every Type of
HMRC Pressure.
We advise on the full range of HMRC debt situations — from a first missed payment to a winding up petition already filed at court. No situation is too far gone for us to assess.
01
Time to Pay Arrangements
A structured agreement to repay HMRC tax arrears in monthly instalments — typically six to twenty-four months. We prepare and present proposals that HMRC accepts, covering VAT, PAYE, Corporation Tax, and Self Assessment.
Learn About TTPs
02
VAT Arrears
Missed VAT returns attract automatic penalties and escalate quickly to enforcement. We regularise filings, negotiate repayment of arrears, and propose TTP arrangements that prevent formal action while debt is cleared.
VAT Debt Advice
03
PAYE & NIC Arrears
Falling behind on payroll obligations can attract serious enforcement, including personal liability notices against directors. We advise on PAYE arrears, manage HMRC correspondence, and negotiate structured repayment.
PAYE Arrears Advice
04
Corporation Tax Debt
Corporation Tax debt arises when a profitable company has insufficient cash to pay its tax bill. We help directors understand their liability, engage with HMRC proactively, and structure a repayment plan where possible.
Corporation Tax Help
05
HMRC Representation
We communicate directly with HMRC on your behalf — drafting correspondence, managing enquiries, challenging incorrect assessments, and presenting your case professionally at every stage of their process.
How We Represent You
?
HMRC Winding Up Petition
The most serious action HMRC can take. You have days to respond before the petition is advertised and bank accounts are frozen. We defend, adjourn, and resolve HMRC petitions
urgently.
Urgent — Call 01257 818 197
— directors get wrong
The Mistakes That
Cost Directors Most.
In our experience advising directors, the same patterns arise repeatedly when businesses fall behind with HMRC. Understanding these mistakes is the first step to avoiding them.
Ignoring letters
HMRC correspondence that goes unanswered is treated as
deliberate non-engagement and accelerates enforcement significantly.
Negotiating without support
HMRC follows structured processes and rejects poorly presented proposals routinely. A credible case requires professional preparation.
Continuing to trade into further debt
Directors who know the company is insolvent and continue accumulating HMRC debt risk wrongful trading liability
Attempting to dissolve to avoid HMRC
This is a criminal offence. HMRC will apply to restore the company and can pursue directors personally
Waiting on a winding up petition
Every day between receiving a petition
and acting narrows your options. There is no safe period to wait
— the right approach
HMRC Is Not
the Enemy,
Ignoring Them Is.
The most effective approach is always early engagement, honest financial disclosure, and a credible repayment proposal presented by professionals who understand HMRC's expectations. That is what we do — on every case, every time.
— The Fastest Route to an Answer
Send Us What
You've Received.
The quickest way to get the right advice is to send us the HMRC letter, demand notice, or court document you've received. We'll come back to you with a clear explanation of what it means and the correct next step — usually within the hour.
You can WhatsApp us a photo of the document directly, or describe the situation using the form. Either way, our team responds same day — and in urgent cases, within minutes.
Send us the document
WhatsApp a photo of the HMRC letter, penalty notice, winding up petition, or any other correspondence you've received.
We read it and assess
Our team reviews what HMRC has sent, identifies the urgency level, and assesses your specific position and options.
You get the right next step
Plain English. No jargon. One clear action — and we handle it from there if you want us to.
whatsapp us now
We typically respond within the hour
Hi, I'm a company director. I've received an HMRC winding up petition for £18,500 in VAT arrears. I need to know what to do next.
We've received your message. A petition for this amount requires immediate action — we'll call you within 15 minutes. Don't ignore or pay anything until we've spoken.
"Send us what you've received. We'll tell you the right next step in plain English — free, confidential, and within the hour."
If you've received a winding up petition, contact us immediately — you may have fewer than 7 days before the hearing date.
— How we work
From First Call
to Resolution.
We take control of your HMRC situation from the moment you contact us — handling all correspondence, preparing all proposals, and managing HMRC on your behalf throughout.
Assess Your Position
We review the full picture — what HMRC is owed, what notices have been issued, and what options remain available given the stage of their enforcement process..
Options Assessment
We prepare a credible, well-
evidenced proposal — financial
projections, affordability analysis, and a clear repayment plan structured to meet HMRC's criteria for approval.
Written Proposal
We present your case to HMRC
directly, manage their response,
handle any queries, and negotiate the best available terms on your behalf.
Expert Resolution
Once an arrangement is agreed,
we help ensure you maintain compliance — protecting the agreement and your business from any future enforcement risk.
Need an Answer
Right Now?
Send us what you've received and we'll tell you the right next step in plain English — free, confidential, no obligation.
Call us directly
01257 818 197
Can HMRC make me personally liable for my company's tax debts?
In most cases, company tax debts are the company's liability — not the director's. However, HMRC can pursue directors personally where they believe tax has been deliberately avoided, where a Personal Liability Notice has been issued, or where there is evidence of fraudulent conduct. We advise on personal liability risk at your first consultation.
How long does a Time to Pay arrangement last?
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What if HMRC rejects our TTP proposal?
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Will our TTP arrangement become public?
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How quickly can you respond to an HMRC winding up petition?
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Can HMRC debt be included in a CVA?
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— related services
When HMRC Advice
Leads Somewhere Else.
HMRC debt often points toward a wider financial situation. These are the services most commonly needed alongside HMRC support.
Company Closure
If the company needs to close, we ensure it is done correctly — protecting your position as a director and managing all creditor obligations.
Company Rescue
If HMRC is the primary creditor and the business is otherwise viable, a CVA may allow you to keep trading while repaying arrears over three to five years.
WINDING UP PETITIONS
Received a petition — from HMRC or any creditor? This is an urgent situation. Our dedicated winding up petition page covers every available response.
—work with us—
HMRC Debt Doesn'tResolve Itself.
Resolve Itself.
Every day without professional advice is a day closer to enforcement. Send us what you've received, request a callback, or call the Director's Helpline — free, confidential, and same day.