can i enter into an IVA and include the tax man

Get expert opinion. This is the place for new questions to be posted.
5 posts Page 1 of 1


User avatar
Posts: 1
Joined: Tue Sep 28, 2010 2:51 pm

Post by richard.1 » Tue Sep 28, 2010 2:51 pm
Hi i have debts of over £15,000 the majority being owed to HMRC, can i enter into an IVA and include the 'tax man' as part of that agreement?


User avatar
Forum Expert
Posts: 76941
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Tue Sep 28, 2010 2:58 pm
Hi and welcome.

You can include tax debts, but if they are a majority creditor I'm not sure how they vote.

I recommend that you speak to an expert. Visit for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all the options open to you and the best way forward for your circumstances.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.


User avatar
Posts: 734
Joined: Mon Jul 27, 2009 9:58 am

Post by liamjames » Tue Sep 28, 2010 3:03 pm
kallis3 wrote:

You can include tax debts, but if they are a majority creditor I'm not sure how they vote.
Welcome from me too!

They tend to vote quite fairly, but put great emphasis on any overdue paperwork / tax returns. As Jan says, it's good to get a couple of opinions and some personal advice - IPs should give you this advice for free.
Take care,

Liam James
Varden Nuttall

Read our reviews here:

Michael Peoples

User avatar
Industry Expert
Posts: 15189
Joined: Mon Nov 03, 2008 12:36 pm

Post by Michael Peoples » Tue Sep 28, 2010 3:15 pm
If you enter an IVA your tax debts including an estimate for the current year form a debt in your IVA. HMRC do vote in favour but as LiamJames says they do have criteria for acceptance. Any returns must be submitted even if you do not have the funds to pay and this will enhance your chance of acceptance.

The point of an IVA is to allow you to restart and they were originally enacted specifically for the self employed. Get some free advice and good luck.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
If you would like to talk to me about proposing an IVA or have any questions at all please visit


User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am

Post by MelanieGiles » Tue Sep 28, 2010 10:51 pm
It will also be very important for you to demonstrate what led to the unpaid debt to HMRC, and what changes you have made to ensure that non-payment of taxes occurs in the future.
Regards, Melanie Giles, Insolvency Practitioner
5 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”