Every realistic option for resolving ATO debt — assessed by advisors who work for you.
The ATO is collecting more aggressively than at any time in recent memory. The good news: there are more pathways to resolve tax debt than most directors realise. We’ll help you find the right one.
Your options at a glance
Thirteen pathways. One advisor assessing them objectively.
Each option has trade-offs. Some preserve the company. Some compromise debt. Some prioritise director protection. The right choice depends on your specific situation, and that’s exactly what we help you work out.
Accounting & Tax Advice
Ongoing tax planning, BAS lodgement, and proactive accounting to help you stay ahead of the ATO instead of behind.
ATO Payment Arrangements
Negotiated, sustainable payment plans that keep your business trading and protect directors from personal liability.
Small Business Restructuring
The SBR pathway lets eligible companies compromise debt to as little as 20¢ in the dollar — while you stay in control.
Director Penalty Notices
Take Action immediately today before the 21 Day Notice Period Expires and avoid Personal Liability
Tax Debt Loan Solutions
Specialist lenders that refinance ATO debt into commercial finance — clearing the ATO and stopping enforcement.
Voluntary Administration
Where appropriate, VA gives breathing space to restructure or trade out via a Deed of Company Arrangement.
Personal Insolvency & Bankruptcy
Strategic personal insolvency advice for directors facing DPN exposure or personal guarantees they can’t meet.
Part 9 Debt Agreements
A formal alternative to bankruptcy — negotiate a binding agreement to repay creditors at affordable terms.
ATO Garnishee Notices
Take action today before the ATO garnishees your business or personal bank accounts.
Wind-up Notice Received: Act today!
A winding-up notice means the court will soon liquidate your company and appoint a liquidator.
Statutory Demand
Has a creditor or the ATO issued a statutory demand? Take immediate action today before further legal action is taken by your creditors.
Liquidator Claims
Has a liquidator demanded repayment of money your business received? Get advice on preference claims, your options and protecting your position.
Close My Company
Thinking of closing your company? Get advice on the right way to wind it up and protect yourself as a director.
Frequently asked
Common questions about ATO debt.
How much ATO debt is "too much"?
There’s no single threshold. We’ve helped directors with $30,000 in arrears and directors with $5 million. The relevant question is not the size of the debt — it’s whether the business can realistically service it given current cashflow, and whether you as director are personally exposed. Both questions need to be answered before deciding on a pathway.
Will the ATO really pursue me personally?
Yes — and increasingly so. Since 2020 the ATO has materially increased its use of Director Penalty Notices, garnishees and bankruptcy petitions. The “lockdown” DPN regime means that for older unlodged returns, even putting the company into liquidation will not release you from personal liability. This is not theoretical; it’s happening every week to directors who waited too long.
I've received a DPN. How long do I actually have?
21 days from the date on the notice — not the date you received it. If your lodgements are up to date, you have four options within that window: pay the debt, appoint a small business restructuring practitioner, appoint a voluntary administrator, or place the company into liquidation. If lodgements are not up to date and the returns are more than three months overdue, the DPN may be a “lockdown” DPN, in which case those options will not release you. Get advice immediately.
Can I just ignore the ATO and hope they go away?
No. The ATO does not go away. What happens instead is that enforcement escalates: garnishees on bank accounts and trade debtors, statutory demands, wind-up applications, DPNs, credit bureau disclosure, and ultimately bankruptcy petitions. Every step removes options that were available at the previous step. The cost of waiting is measured in lost flexibility.
Will refinancing my ATO debt actually work?
For some businesses, yes. There are now several specialist lenders who will refinance ATO debt into commercial finance, clearing the ATO balance and stopping enforcement. The viability depends on your security position, cashflow, and the size of the debt. We work with these lenders regularly and can tell you quickly whether it’s a realistic pathway in your situation.
Is Small Business Restructuring really as good as it sounds?
For eligible companies, often yes. Eligible businesses with debts under $1 million can propose to compromise their unsecured debt — including ATO debt — while the directors stay in control. Approved proposals frequently settle ATO debt for 15-25 cents in the dollar. The eligibility requirements are specific and the process is time-bound, so it’s not appropriate for every company, but where it fits, it can be transformative.
What does it cost to talk to BTD?
The first conversation is free and there is no obligation. If we proceed, we work on fixed-fee quotes wherever possible — you’ll know what it costs before we start. We don’t believe in surprise invoices.