Tax Debt Relief and Resolution Services
Confidential support for directors facing ATO pressure, DPNs, and cash-flow distress.
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Act Within 21 Days to Protect Yourself from Personal Liability
Not affiliated with the Australian Taxation Office. Information is general and not legal/financial advice.
ASIC Registered Liquidator
Appointments coordinated with ASIC-registered professionals
ASIC Registered SBR Practitioner
Small Business Restructuring where eligibility criteria are met
Australia-Wide Support
Support available across all Australian states and territories
Confidential Handling
All enquiries handled discreetly and professionally
Professional Support for Businesses and Individuals Facing Tax Debt
If you or your business owe tax debts to the Australian Taxation Office (ATO), you’re not alone. Thousands of small businesses across Australia face mounting income tax, PAYG, and superannuation obligations each year.
At Restructure Partners, we assist business owners and individuals in understanding their tax debt relief options, including payment arrangements, formal restructuring, or — in certain circumstances — applying for release from tax debts due to serious hardship.
Our focus is on helping you engage with the ATO early, avoid unnecessary recovery action, and explore solutions that support both compliance and long-term stability.
What Is Tax Debt Relief?
Tax debt relief refers to the processes available to taxpayers who are unable to meet their ATO tax obligations in full.
Depending on your financial position and eligibility, options may include:
ATO Payment Arrangements
Setting up structured payment plans to pay outstanding debts in manageable instalments.
Debt Release for Serious Hardship
In limited cases, the ATO may release tax debts when payment would cause significant financial hardship.
Business Restructuring or Liquidation
For companies, formal restructuring under Australian insolvency law may allow for controlled debt management and continuity of operations.
These pathways are designed to help eligible taxpayers, directors, and companies manage liabilities in a more controlled way and, in some cases, may help avoid bankruptcy or liquidation, depending on individual circumstances.
Why Acting on Tax Debt Early Matters
Tax debt can escalate quickly due to interest charges and penalties applied by the ATO.
If left unaddressed, the Tax Office may initiate garnishee notices, seize funds from your bank account, or commence legal recovery proceedings against you or your company.
Taking early action can help you:
- Reduce interest and penalty accruals;
- Negotiate manageable payment terms;
- Prevent ATO enforcement actions such as liens or dividend withholding;
- Protect your business assets and employee wages; and
- Avoid escalation into liquidation or personal bankruptcy.
Even if you can’t pay the full amount owed, engaging with the ATO shows good faith and often results in more flexible payment options.
Eligibility for Tax Debt Release Due to Serious Hardship
In certain circumstances, the ATO may release taxpayers from some or all of their tax debts if payment would cause serious financial hardship.
This applies to individuals (not companies) who meet strict eligibility criteria.
You may qualify if:
- You have limited income and assets, and paying the debt would leave you unable to afford basic living expenses;
- You are experiencing serious illness, unemployment, or family hardship;
- You have no reasonable capacity to obtain finance or repay over time; or
- You are responsible for a deceased person’s estate that cannot satisfy the debt in full.
Applications for tax debt release must include a detailed Request for Release form, financial statements, expenditure records, and supporting evidence of financial hardship.
Each case is reviewed individually by the ATO under the Taxation Administration Act 1953 (Cth).
Common Types of Tax Debts We Help With
We assist with a wide range of collectable debts, including:
- Income Tax Assessments
- Goods and Services Tax (GST)
- PAYG Withholding Tax
- Superannuation Guarantee Charge (SGC)
- Company Tax Liabilities
- Director Penalty Notices (DPNs)
- Overdue Refunds or Tax Credit Offsets
Our team can help you understand your tax position, communicate with the ATO, and prepare the documentation required for a formal payment arrangement or hardship request.
How We Help You Manage Tax Debts
Our process is designed to be transparent, supportive, and fully compliant with ATO and ASIC regulations:
Initial Assessment
We review your financial situation, tax returns, and debt owed to identify the best approach — whether through a payment plan, financial hardship application, or restructuring.
Engagement With the ATO
We liaise with the Tax Office on your behalf to confirm amounts payable, discuss available payment arrangements, and help you comply with ATO reporting requirements.
Implementing the Plan
Once approved, payments are scheduled through direct debit or the ATO’s online services. We ensure your payment schedule aligns with your cash flow and that future lodgements are maintained.
Ongoing Support
We provide continued guidance to ensure you remain compliant, avoid payment defaults, and manage any new tax obligations as they arise.
Can Companies Access Tax Debt Relief?
Yes — while formal debt release for hardship applies only to individuals, companies can still access relief through structured payment arrangements or formal insolvency processes such as:
- Small Business Restructuring under the Small Business Restructuring framework in the Corporations Act 2001 (Cth), regulated by ASIC;
- Voluntary Administration; or
- Simplified Liquidation in cases where the business is no longer viable.
These processes are designed to help directors meet their legal obligations, manage company debts, and protect the interests of creditors and employees, in line with the Corporations Act 2001 (Cth).
When the ATO May Decline Relief
The ATO generally will not grant debt release if:
- You can afford to pay the debt through asset sales or finance;
- You haven’t lodged tax returns or activity statements for the relevant period;
- The debt involves withholding tax, superannuation contributions, or funds held on behalf of others;
- You are seeking to release debts of a company or trust; or
- There is evidence of deliberate avoidance or non-lodgement.
If you don’t meet the hardship criteria, the ATO may still approve a payment arrangement to help clear debts over time.
Why Choose Restructure Partners
Qualified professionals with expertise in tax debt negotiation and restructuring
Transparent, compliant processes aligned with ATO hardship policies
Collaboration with registered Small Business Restructuring Practitioners
Assistance with payment plan setup, hardship submissions, and business continuity strategies
Confidential, no-obligation consultations for individuals and directors
⚖️ Legal and Compliance Notice
Information provided on this page is general in nature and does not constitute personal financial, legal, or taxation advice. Restructure Partners Pty Ltd Lead Generation Australia PTY LTD operates in accordance with applicable Australian taxation and insolvency laws and regulatory guidance. All formal restructuring services are conducted by, or under the supervision of, a Registered Small Business Restructuring Practitioner (ASIC Reg. No. 561447). Eligibility for debt release or hardship relief depends on individual circumstances. You should seek independent professional advice before acting on this information.