Learn More About Confidential Company Debt Support

If you are a company director worried about company debt, creditor pressure, or HMRC arrears, you are not alone. Many directors contact us because they want clear information before deciding what to do next.

This page explains how we support directors, what situations we help with, and what you can expect when you reach out.

When Directors Usually Seek Advice

Directors often contact us when they are experiencing:

  • Company debt and ongoing cash flow problems

  • Pressure from creditors or unpaid suppliers

  • HMRC arrears for VAT, PAYE, or Corporation Tax

  • Concerns about whether the company is insolvent

  • Legal threats, statutory demands, or enforcement action

  • Uncertainty about whether to rescue or close the business

You do not need to know what solution applies to you before making contact. Understanding your position is the first step.

Understanding Insolvency and Director Responsibilities

A company may be insolvent if it cannot pay its debts as they fall due, or if its liabilities exceed its assets. Once insolvency becomes a possibility, directors have legal duties to act responsibly and in the interests of creditors.

Early advice can help you understand those duties and avoid unnecessary risk.

Company Debt Options Explained Clearly

Every situation is different. Depending on your circumstances, options may include:

  • Informal arrangements with creditors

  • HMRC Time to Pay discussions

  • Company Voluntary Arrangements (CVA)

  • Business restructuring or recovery options

  • Creditors’ Voluntary Liquidation (CVL)

We explain each option in plain English, including the implications, risks, and likely outcomes, so you can make an informed decision.

Support Focused on Directors

Many directors are concerned about:

  • Personal liability

  • Director loan accounts

  • Guarantees

  • The impact of closing a company

Our role is to help you understand where you stand and what protections may apply, so you can move forward with clarity and confidence.

What You Can Expect From Us

  • A confidential conversation

  • Clear, practical explanations

  • No judgement and no pressure

  • No obligation to proceed

  • No upfront cost for initial guidance

Our aim is to give you reassurance, clarity, and a clear path forward.

Speak to Us Even If You’re Unsure

Many directors contact us simply because something doesn’t feel right. You do not need to have all the answers before reaching out.

If you are concerned about company debt, HMRC arrears, or creditor pressure, speaking to someone early can make a significant difference.