HMRC Debt Management UK: Top 5 Best HMRC Debt Management Solutions ✅

If you have a debt with HMRC and are struggling to pay, dealing with it as soon as possible is vital. HMRC takes its responsibility seriously to ensure individuals or businesses with a debt with HMRC pay on time. Debt with HMRC usually involves priority debts like income tax arrears, National Insurance, VAT, and other tax debts, which can attract severe consequences if they remain unresolved. Ignoring your debt with HMRC can force the authority to exercise its debt enforcement powers, including taking you to court, making you bankrupt, sending bailiffs, and imprisonment in extreme cases. 

Best Solutions For HMRC Debt Help ✅ – Quick Overview 

• Help My Debts Pro : Overall Best Place to Get Help with HMRC Debt
• 123 Debt Fix : Best Platform to Get Assistance from Debt Advisors with Experience with HMRC Dealing with Debt
• Viva Debt Help : Best Debt Solution Providers with Experience Dealing with HMRC Debt
• Debt Nurse : Best Platform to Request Advice on How to Deal with HMRC Debt from Qualified Third-Party Debt Advisors.

Fortunately, help with HMRC debt is available through debt advisors who can offer solutions for HMRC dealing with debt. Consulting expert advisors with experience dealing with HMRC debt can provide valuable information and help you discover effective and practical solutions on how to deal with HMRC debt. The best advisors are FCA-approved and authorised to offer debt solutions. Advisors can help guide you through the options available based on your unique situation, including dealing with HMRC debt collectors and counselling on how to deal with HMRC debt collectors. Below we present some of the top platforms you can use to access FCA-approved debt advisors who can offer solutions to relieve debt with HMRC and help you regain control. 

4 Best Platforms to Request Further Advice on Relieving Debt with HMRC ✅

Help My Debts Pro: Overall Best Place to Get Help with HMRC Debt

Help My Debts Pro is committed to offering professional, stress-free matching services to qualified advisors. The platform ranks as the overall best place to get help with HMRC debt thanks to its fast and easy application process with quick feedback from FCA-approved debt advisors. 

Help My Debts Pro doesn’t offer debt advice but features a simple online no-obligation form where you can capture your debt details and provide consent to be matched with a suitable solutions provider. The entire process is confidential, and you’re not obligated to accept or proceed with the solution provided.

Highlights of Getting Help with HMRC Debt

• Professional 
• A fast and easy application process
• Quick feedback
• Access to FCA-approved debt advisors
• Confidential 

Pros of Getting Help with HMRC Debt

• Get affordable monthly payments
• Peace of mind
• Protection from legal action

Cons of Getting Help with HMRC Debt

• Strict budgeting may be necessary.

123 Debt Fix: Best Platform to Get Assistance from Debt Advisors with Experience with HMRC Dealing with Debt

123 Debt Fix partners with some of the most experienced debt advisors, and although it doesn’t offer debt advice, it provides a smooth process for accessing qualified experts. It’s one of the best platforms to get third-party assistance from FCA-approved debt advisors with experience with HMRC dealing with debt. 

It features a no-obligation online form where you can capture your debt details and allow 123 Debt Fix to forward them to a regulated specialist. It has extensive experience helping applicants access FCA-approved advisors for solutions for HMRC dealing with debt. You can rely on the platform to help you get a solution for your situation. 

Highlights of Getting Assistance from Debt Advisors with Experience with HMRC Dealing with Debt

• Smooth online process
• Accomplished 
• Reliable 
• Zero obligation
• Quick access to an authorised advisor

Pros 

• Reduce debt in instalments
• Avoid court action
• Get a clear path to becoming debt-free

Cons 

• Payments can take longer.

Viva Debt Help: Best Debt Solution Provider with Experience Dealing with HMRC Debt

Viva Debt Help takes the guesswork out of finding a legitimate debt solutions provider. With so many options out there, you can easily fall into predatory hands. It’s one of the best places to request a call back from a reliable debt solution provider with experience dealing with HMRC debt. 

Although it doesn’t offer debt advice, the platform offers a stress-free application process that connects you to authorised FCA-approved debt solution providers. Simply complete an online form and allow Viva Debt Help to pass your details to a suitable provider. You’ll get prompt feedback, data privacy and security and zero pressure to proceed with the recommended provider. 

Highlights

• Stress-free applications
• Prompt feedback
• Data privacy and security
• Zero pressure
• Access to a qualified and experienced provider

Pros 

• Quickly determine your options
• Get practical solutions to overcome debt
• Get answers to all your debt questions

Cons

• It may limit your credit access.

Debt Nurse: Best Platform to Request Advice on How to Deal with HMRC Debt from Qualified Third-Party Debt Advisors

Jargon-free and impartial information from a qualified advisor is vital when you’re unsure about how to deal with your debt problems. Debt Nurse offers a user-friendly platform to request further advice on how to deal with HMRC debt from qualified third-party debt advisors. It boasts plenty of positive reviews from previous customers praising its fast responses, confidentiality and professionalism.

You can apply in minutes and get connected to an accredited third-party debt advisor who can answer all your inquiries and help you understand your situation and options. Debt Nurse doesn’t offer debt advice but partners with qualified providers who can steer you in the right direction when you need further guidance. 

Highlights of Learning How to Deal with HMRC Debt

• User-friendly platform
• Professional
• High customer satisfaction
• Apply in minutes
• Fast responses.

Pros of Getting Advice on How to Deal with HMRC Debt 

• Understand your situation and how to navigate it
• Get impartial and easy-to-understand information
• Get guidance from a qualified third-party debt advisor.

Cons of Getting Advice on How to Deal with HMRC Debt 

• It can feature added costs.

How Did We Choose the Best Companies to Provide Help with HMRC Debt?

We considered the following factors when selecting the best companies to provide help with HMRC debt:

• Fast and easy applications
• Convenient online processes
• User-friendly platforms
• Quick access to FCA-approved debt solutions advisors
• High professionalism with zero obligations

Types of Solutions that Provide Help with HMRC Debt

The qualified advisor will present you with various solutions you can choose from that provide help with HMRC debt:

Help with HMRC Debt: Unsecured Debt Consolidation Loans

Unsecured debt consolidation loans allow you to take out a loan to help with HMRC debt without providing your valuable assets as collateral. It has less risks if you fail to keep up with repayments but can feature higher interest rates than secured options. 

IVA to Help with HMRC Debt

An individual voluntary agreement (IVA) can help with HMRC debt by allowing you to make affordable payments towards your debts over an agreed period, usually five or six years. The interest and charges are frozen, and any outstanding debt gets written off after successful completion.

HMRC Dealing with Debt with a Debt Relief Order

HMRC dealing with debt with a debt relief order (DRO) can help you clear your debt if you owe £30,000 or less and have relatively few assets and little income for repayments. You’ll not be required to make payments towards most of the debts included in your DRO for 12 months, and creditors can’t force you to pay off the debts. The debts then get written off at the end of the DRO period if your situation doesn’t improve.

What Does Dealing with HMRC Debt Involve, and How Does it Work?

Dealing with HMRC debt involves finding a suitable solution to settle your debts and avoid enforcement actions. There are different ways of dealing with HMRC debt, but they all aim to help you find a practical and effective way to resolve your debt problems and regain control of unmanageable debt. 

The best solutions for dealing with HMRC debt work by assessing your debts and determining the most appropriate debt solution based on your financial situation, income and monthly outgoings. You can get such solutions from FCA-approved providers authorised and qualified to provide debt counselling. They can help get you more affordable repayments, reduce the debt amount or even have the debt written off. 

HMRC Dealing with Debt – Features and Factors

HMRC dealing with debt comprises the following features and factors:

FCA-Approved Advisors to Help with Dealing with HMRC Debt

FCA-approved advisors to help with dealing with HMRC debt are authorised by the FCA for debt counselling and adjustment. They follow set rules and guidelines, including not misleading you, being transparent about costs and giving you all the necessary information. 

Freeze Fees When Dealing with HMRC Debt

Solutions like IVAs allow you to freeze fees when dealing with HMRC debt, preventing the debt from getting higher and allowing you to pay it off more quickly. 

Deal with FCA-Approved Advisors of Unsecured Loans for Poor Credit

Dealing with FCA-approved advisors of unsecured loans for poor credit allows you to access funding with a low credit score and use the funds to clear the debt. They usually feature more inclusive terms. 

How to Deal with HMRC Debt: What is Covered by Solutions for HMRC Debt? 

Solutions for HMRC debt cover arrears for various taxes, including income tax, corporation tax, capital gains tax, value-added tax (VAT), National Insurance, customs duty, and excise duties.

How to Deal With HMRC Debt: Costs Involved? 

You can expect various costs depending on the type of solution you choose. These can include set-up fees, management fees or monthly fees. The fees usually cover the administration costs of the solution. All FCA-approved providers must be transparent and honest about the costs involved. 

How to Apply: 4 Steps to Get Assistance with Dealing with HMRC Debt Collectors

Follow these 4 simple steps to get assistance with dealing with HMRC debt collectors through Help My Debts Pro:

Step 1: The First Step to Dealing with HMRC Debt Collectors is to Request Assistance from Debt Solution Advisors

Find the simple online no-obligation form on the homepage and complete it with information on your debts. It’s easy to follow, secure and confidential. 

Step 2: Receive a Call from an FCA-Approved Professional Who’ll Advise You on How to Deal with HMRC Debt Collectors

Help My Debts Pro will connect you with a qualified FCA-approved professional who will contact you to discuss your situation and provide options on how to deal with HMRC debt collectors.

Step 3: Determine the Right HMRC Debt Relief Route for You

You’ll then need to decide the most appropriate HMRC debt relief route for you from the options provided and allow the advisor to help you set it in place. You don’t have to choose any of the options provided if you don’t want to. 

FAQ’s 

What Is Direct Recovery in HMRC Dealing with Debt?

Direct recovery is an intervention the HMRC uses to recover debts directly from your bank or building society account. It’s usually enforced on debtors who ignore HMRC attempts to collect tax debts despite being able to pay. Before the action is taken against you, the HMRC will send various payment requests, including letters and calls. The action is usually taken when the appeals timetable has passed. 

Can I Freeze Interest and Fees when Dealing with HMRC Debt?

Yes. You can freeze interest and fees through an individual voluntary agreement. It’s a formal, legally binding agreement to pay all or part of your debts. The interest and fees get frozen during the IVA period to make it easier to make affordable payments towards your debts over this period. The interest, fees and debts can also be written off after completion. 

Where Can I Get Advice on How to Deal with HMRC Debt?

The place to get advice on how to deal with HMRC is from FCA-approved providers authorised to provide debt counselling and advice. This protects you from bad actors and ensures you get expert, impartial advice from advisors who follow set rules and guidelines, including not misleading you, being transparent about costs and giving you all the necessary information. 

Are There Time Limits when Dealing with HMRC Debt Collectors?

There is usually no time constraint on debt with HMRC, and in extreme cases, it can be transferred from one generation to another. Debts for VAT and income tax don’t usually have time limits, while others, like business rates, can be collected for up to 20 years. 

How to Deal with HMRC Debt Collectors Taking Your Things

Before allowing the debt collector to take your things, you must ask for proof of identity like an ID card, badge or enforcement agent certificate. Also, ask which company they’re from, and get their telephone number and a detailed breakdown of what you owe. The collectors can’t take things you need, work tools or someone else’s belongings. 

Conclusion

Debt with HMRC that’s left unresolved can land you in trouble, so it’s better to deal with it as soon as you can. You can access some of the best help with HMRC debt from qualified advisors by applying through Help My Debts Pro. It features a fast and easy application process that connects you with an FCA-approved debt solutions provider authorised to provide debt counselling and advice. Request help today through a few simple steps at Help My Debts Pro!

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• Best IVA Debt Plans UK

Disclaimer: All debt solutions should be very carefully considered. The websites advertised in this paid promotion do not provide debt advice. If you complete the form and provide permission to be referred, they will pass your details onto a regulated debt advice solution provider. All the partners they use are regulated by the Financial Conduct Authority to provide debt counselling. The websites advertised work exclusively with trusted debt solution providers. If you proceed with one of their solution options, they may receive a fee for introducing you to them. The websites advertised are lead generation companies who pass your details onto third parties in order to help you with your debt solution.

Disclaimer: The above is a sponsored post, the views expressed are those of the sponsor/author and do not represent the stand and views of Outlook Editorial.