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Practical Debt Solutions

Debt Negotiation & Restructuring

When business debts become overwhelming, swift and strategic action separates companies that survive from those that fail.
When business debts become overwhelming, swift and strategic action separates companies that survive from those that fail.

30+

Years Tax Experience

100%

Former HMRC Inspector

24-48h

Emergency Response

HMRC Expertise

Negotiating Time-to-Pay Arrangements with HMRC

HMRC tax debts can escalate into existential threats. Femi’s extensive HMRC experience, gained through years as an HMRC inspector, provides unparalleled insight into what HMRC will accept.

Prevent Winding-Up Petitions

Stop HMRC enforcement action before it destroys your business, securing agreements that prevent statutory demands and petitions.

Affordable Monthly Repayments

Establish repayment plans aligned with actual cash-flow capacity, ensuring sustainability while clearing historic debts.

Protect Director Liability

Shield directors from personal liability for unpaid PAYE and VAT through properly structured arrangements.

Continue Trading

Allow your business to operate normally while clearing tax arrears, maintaining supplier and customer relationships.

Build HMRC Trust

Demonstrate good faith cooperation, creating constructive relationships with tax authorities for future dealings.

Why HMRC Experience Matters

Having worked as an HMRC inspector and advised on tax matters for over 30 years, Femi understands HMRC’s internal processes, decision making criteria, and negotiation parameters better than almost any adviser. This insider knowledge dramatically improves acceptance rates for Time-to-Pay proposals.

What HMRC Considers When Assessing Proposals

01

Company Viability

Evidence that the business has realistic prospects of trading successfully and recovering financially.
02

Affordability

Repayment proposals must be sustainable based on actual cash-flow projections and financial capacity.
03

Current Compliance

All current tax obligations must be met on time during the arrangement period without exception.
04

Director Conduct

Evidence of responsible director behaviour and good faith cooperation with HMRC throughout.
05

Historic Patterns

Previous payment history and any past Time-to-Pay arrangements are carefully evaluated.

Defending Against Director Disqualification

Director disqualification proceedings represent one of the most serious consequences of company failure. If a liquidator or Official Receiver believes a director breached their statutory duties, demonstrated unfitness, or engaged in conduct that contributed to creditor losses, they can recommend disqualification to the Secretary of State.

Disqualification prevents you from acting as a company director, directly or indirectly, for periods ranging from two to fifteen years—severely limiting your professional and commercial opportunities.

Reduced Payment Obligations

Lower monthly payments to allow cash-flow recovery and business stabilization.

Extended Repayment Periods

Spread debt over manageable timescales aligned with business capacity.

Interest Freezes

Negotiate interest reductions or freezes to lower total debt burden.

Prevent Legal Action

Stop statutory demands and county court judgments before they escalate.

Preserve Relationships

Maintain essential supplier relationships critical to business operations.

HMRC Expertise

Negotiating Time-to-Pay Arrangements with HMRC

CVA Benefits

  • Legal protection from creditor enforcement action during the arrangement

  • Binding agreement on all unsecured creditors preventing individual legal action

  • Flexible repayment terms typically extending 3-5 years

  • Potential for partial debt write-off where full repayment is impossible

  • Business continuity allowing trading to continue under restructured terms

CVA Requirements

  • Creditor approval (75% by value voting in favour)

  • Insolvency practitioner appointment to supervise the arrangement

  • Regular reporting and monitoring of company performance

  • Full compliance with arrangement terms to maintain protection

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“Having known Femi since 2004 at Barclays I can highly recommend his work. He had an depth knowledge of Employment Tax as well as the legal issues of this area. Femi was also able to explain these key issues in clear terms to enable the right people to make the right decisions.”
Chief Executive Officer Unizen Capital
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Why Choose Femi Ogunshakin for Debt Negotiation & Restructuring?

Deep HMRC Experience

With extensive experience inside HMRC, banking, and major advisory firms, Femi understands creditor motivations intimately, helping ensure negotiations are credible, effective, and successful.

Solutions for Your Situation

Every business’s financial challenges are unique—Femi offers tailored, strategic advice that aligns precisely with your specific financial realities and objectives.

Clear Communication

You’ll always understand your position, the potential outcomes, and the next steps clearly, empowering you to make informed, confident decisions.

Let’s have a chat, book a free call

Time is crucial when insolvency threats arise. If you’re facing insolvency litigation or require emergency financial relief, contact Femi Ogunshakin now:
Your first consultation is entirely free, confidential, and without obligation. Act immediately to secure your business’s future.
Book a free 30-minute call