Owing back tax feels overwhelming, but arrears are a maths problem with a known solution. The authority would rather agree a realistic plan than chase you — and with the right structure, most balances clear faster than people expect.
Start with the true number
Penalties and interest inflate the headline figure, and some of it can often be challenged or removed. We recalculate every year on record first, so you negotiate from the real balance — never the scary letter total.
Agree payments you can keep
A plan you default on is worse than no plan. Monthly amounts must survive quiet trading months and surprise bills, with room to overpay when cash is strong. Durability beats speed every time.
Stop the next debt forming
Clearing old arrears while new ones build is running uphill. Current-year tax gets ring-fenced from day one, so the balance only ever moves in one direction: down.
Carrying a balance right now? One session maps your settlement route and your first payment date.
