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Hello my name is ***** ***** I will help you.
How much is owing please?
have you tried to negotiate a repayment plan?
Ok. Do you own any assets?
Ok. It may be that you could go bankrupt. After twelve mo this you are released and the debts written off.
In reality this should be something that you consider if you owe £30k and don't have any assets.
It would write off all debts you owe, not just HMRC.
Or you could consider an IVA but you can be tied in for five years.
If they refuse a repayment plan they could make you bankrupt anyway, but it's something to consider.
Can I clairfy anything for you about this today please?
No, there are mortgage companies who will consider you once discharged.
It makes it harder, but not impossible, there are specialist brokers.
You should seek advice from CCCS there are a specialist charity debt counselling place. They can help you forward.
Does that clairfy? Alex
They are called step change now......
Sadly I can't as this is a question and answer site. I can only tell you what to do. But speak with Step Change they can assist you in that regards.
Can I clarify anything else for you? Alex
Yes I would and say you are going to see Step Change. They can then correspond with them.
Does that help? Alex