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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

What Is ATO Tax
Debt? 

ATO debt is money owed to the Australian Taxation Office whether from income tax, GST, BAS, superannuation shortfall, or penalties. Many Australians fall behind unintentionally, especially small business owners or workers with irregular income.  

Examples of ATO debts we assist with:  

  • Outstanding income tax 
  • Business Activity Statement (BAS) arrears 
  • Pay-as-you-go (PAYG) debt 
  • Penalties and interest charges 
  • Late lodgement fines 

If left unpaid, ATO debt can escalate quickly with interest compounding and even legal action. But you don’t have to face it alone. 

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Why It’s Easy to Fall Behind on Tax

ATO debt isn’t always caused by mismanagement, more often, its life getting in the way of financial planning.  

Common reasons we see: 

  • Checked IconJob loss or irregular income 
  • Checked IconCOVID-19 or business downturns 
  • Checked IconFalling behind on multiple lodgements 
  • Checked IconUsing tax money for emergency expenses 
  • Checked IconConfusion about business vs personal tax 

Many clients come to us needing help and we deliver it without judgment. We’ve seen it all before.   

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Signs It’s Time to Get Help with ATO Debt

  • You’ve received a Demand to Pay or Garnishee Notice 
  • You’re behind on BAS or income tax lodgements 
  • The ATO is charging daily interest or penalties 
  • You’ve entered a payment plan but can’t keep up 
  • You’re worried about your ABN or business account being frozen  
  • You can’t sleep thinking about the debt 

If this sounds familiar you don’t need to do this alone. 

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How Debt Fix Can Help With Tax Debts

We support Australians in resolving ATO debt, whether you’re a PAYG employee, a sole trader, or self-employed.   

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Part IX Debt Agreement 

If your tax returns are up to date and you meet eligibility, we may be able to include your ATO debt in a formal debt agreement, stopping interest and collection action. 
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Informal Agreement

If a formal option isn’t suitable, we can help negotiate directly with the ATO to restructure repayments based on your capacity, especially if you’ve fallen behind multiple times. 

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Budget & Lodgement Help

Not sure where to start? We help you organise your debt picture and point you toward accounting support if needed, to get back on track.  

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What Sets Debt Fix Apart

20+exp Two
20+ Years Helping Australians With Tax Debt 

From PAYG to sole traders, we’ve resolved ATO debt across industries and income levels.  

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No Upfront
Fees

You only pay if we can help. And we act fast. 

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Real People Who Understand 

We don’t throw accounting jargon, we explain, we act, and we care. 

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Trusted Across Australia

Whether you owe $8,000 or $80,000, we’ll guide you with the same level of respect.  

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What Australians Say About Debt Fix

Read Our Success Stories in Helping Australians go Debt Free

Over 20 years of success stories across every state in Australia
Success Story Helen

Helen
Debt Value: $44,780

I experienced financial hardship as a result of a previous relationship where I was a victim of domestic violence and financial abuse. During this time, I was coerced into taking out a loan with a bank, which I was later left solely responsible for repaying.

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Success Story William

William
Debt Value: $49,065

Everything started to unravel when my relationship with my ex-wife ended, and she was granted full custody of our children. This was an incredibly difficult time for me and had a significant impact on my mental health. During that period, I relied heavily on short-term, high-interest loans just to get by,

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Success Story Eadie

Eadie
Debt Value: $72,960

I ran into financial trouble after experiencing a period of unemployment, which led me to take out several loans to cover my living expenses. Unfortunately, I didn’t fully understand the high interest rates and short repayment terms involved, and this quickly trapped me in a cycle of debt that became unmanageable.

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Ready to Resolve Your Tax Debt?

We’ve helped thousands of Australians take control of ATO debts without shame, pressure or fear.   

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FAQs - ATO Tax Debt

Yes, provided your tax returns are lodged and you meet eligibility, ATO debt can be included in a Part IX Debt Agreement.

The ATO may charge interest, garnish wages, or take legal action. We help you act before it reaches that point.

Yes, but it’s often complex. We help negotiate fair, affordable repayment terms and deal with ATO communication on your behalf.

Yes. The ATO won’t assess relief or include debts in a solution unless all relevant returns are up to date.

It depends. If the debts are unsecured and your business is a sole trader or not incorporated, inclusion may be possible. We’ll assess this for you.

Formal solutions may appear on your credit file. Informal agreement generally do not. We’ll explain every option clearly.

Superannuation Guarantee Charge (SGC) debts are more complex. While some can be addressed, others carry director penalties. Speak to us confidentially.

If we act quickly, yes — especially under a formal agreement or hardship arrangement.

We may be able to replace or restructure your plan if it's unmanageable. You’re not stuck with what’s already in place.

Yes. We deal with the ATO every day — you don’t need to handle it alone. We’ll help you take the first step safely and confidentially.
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