First of all, I would suggest contacting HMRC to see if you actually owe them anything. You may be worrying over nothing, so I suggest talking to them, rather than ignoring a potential problem. If it turns out that there is a substantial payment due, you might consider bankruptcy or a Debt Relief Order (if the amount is below £15,000 (or £20,000, which is planned as the new limit after October 2015)). A Debt Relief Order (DRO) is similar to bankruptcy, and is suited to those on low or zero income. If bankruptcy is the best option, you will need to find £525 for the official receiver’s fee, though you should be exempt from paying the £180 court fee. Any unsecured debt can be included in your DRO or bankruptcy. I would seek advice immediately, and see what can be done for you, so that you are not overwhelmed with debt for good.
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