TAX DEBT Solutions

TAX DEBT Solution gives you expert support to resolve outstanding SARS obligations with confidence. You receive strategic negotiation, clear guidance and tailored repayment options. Our specialists handle audits, penalties and compliance issues with confidentiality and precision. Regain control of your finances and move forward with a structured path to stability.

TAX DEBT SOLUTIONS

Strategic Negotiation And Remediation For Outstanding Tax Liabilities

Specialist negotiation, audit defence and compliance remediation to protect cash flow and minimise exposure.

Resource

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TAX DEBT Negotiations
Tailored negotiation strategies, payment plans and formal offers to SARS that reduce cost and preserve operations.
SARS Audit Assistance
Defence planning, document collation and representation during audits to reduce assessments and limits disruption.
Tax Compliance
Remediation of filing histories, reconciliations and ongoing compliance controls to prevent recurrence.
Confidential & Professional SARS Debt Support

Tax debt solutions help you deal with money owed to SARS in a structured, lawful way, so the debt stops growing and you get back to a compliant position. If you owe SARS, the worst move is to ignore it. Penalties and interest keep building every month, and SARS collection steps get firmer the longer a debt sits.

At Accountants On Point in Benoni, our SARS registered tax practitioners review what you owe, check whether the amount is even correct, and negotiate a realistic way forward. That can mean a payment arrangement, a request to remit penalties, a dispute of an incorrect assessment, or all three together.

Content reviewed October 2026 by Accountants On Point, Benoni. This page is general information, not legal advice. Every SARS matter depends on its own facts.

Tax debt solutions in Benoni: accountant and client reviewing a SARS statement of account
On this page
  1. What Are Tax Debt Solutions?
  2. Signs You Need Help With SARS Debt
  3. What Our Tax Debt Solutions Include
  4. What SARS Can Do If Debt Goes Unpaid
  5. Your Options: Compared
  6. How the Process Works
  7. Documents We Need From You
  8. Who We Help
  9. Why Choose Us
  10. FAQs

Owe SARS and not sure where to start? Send us your SARS statement of account and any letters you have received. We will tell you honestly what you owe, what can be challenged, and what your realistic options are, before you commit to anything.

What Are Tax Debt Solutions?

Tax debt solutions are the practical and legal steps used to resolve an outstanding SARS balance. They are not a way to avoid tax you genuinely owe. They are a way to deal with it properly, so you pay the right amount, on terms you can sustain, without needless penalties.

A SARS debt is usually made up of three parts: the original tax, administrative penalties, and interest. Each part is treated differently. Tax that is correctly assessed must be paid. Penalties can sometimes be remitted. Interest is harder to reduce and only in limited circumstances. Knowing which part is which is where most of the savings come from.

It also matters whether the debt is correct in the first place. Estimated assessments, unsubmitted returns, duplicate payments and misallocated payments all inflate SARS balances. We check before we negotiate.

Signs You Need Help With SARS Debt

You do not need to be in crisis to get professional help. These are the usual triggers:

  • You received a letter of demand, a final demand or a notice of intention to appoint a third party
  • SARS issued an estimated assessment because returns were not submitted
  • Your tax compliance status is non-compliant and it is blocking tenders, funding or contracts
  • You cannot pay the full amount in one go and do not know how to propose an arrangement
  • You disagree with an assessment, penalty or audit finding
  • Your bank account or salary has been affected by a SARS collection notice
  • You have several years of unfiled returns and do not know what you owe

What Our Tax Debt Solutions Include

We handle the full range of SARS debt work, from the first review through to the final agreement. For the negotiation side in more detail, see our tax debt negotiations service.

Debt Review & Verification We go through your SARS statement of account line by line to confirm the debt is accurate and spot errors or misallocated payments.
Payment Arrangements We prepare a realistic proposal based on your income and expenses and submit it to SARS for an instalment agreement.
Penalty Remission Requests Where grounds exist, we motivate for the removal of administrative penalties, with supporting evidence.
Disputes & Objections If an assessment or penalty looks wrong, we prepare the objection and, where needed, request suspension of payment while it is considered.
Outstanding Returns Catch-Up SARS will usually not agree terms until your returns are up to date, so we file what is missing, accurately.
SARS Audit Support Debts often start with an audit finding. We represent you through the process. See SARS audit assistance.
Voluntary Disclosure If you have undeclared income, a voluntary disclosure application may reduce penalties and protect you from prosecution, subject to SARS conditions.
Compliance Status Restoration We work to get your tax compliance status back in good standing so you can tender, bank and trade without obstruction.

What SARS Can Do If Debt Goes Unpaid

SARS has strong collection powers, and it uses them. Understanding them is the best argument for acting early:

  • Interest keeps running on the unpaid balance, and further penalties can be added
  • SARS can appoint a third party, such as your bank or employer, to pay money over directly from your account or salary
  • Your tax compliance status can be marked non-compliant, which affects tenders, contracts and some funding
  • SARS can take legal steps to recover the debt, which may include a civil judgment
  • For companies, persistent non-compliance can put directors under pressure and affect the company's ability to trade

Most of these steps follow warning notices. Responding to the first letter, rather than the last, gives you far more room to negotiate.

Our honest position: we cannot promise SARS will remit a penalty, reduce a debt or accept a particular repayment. Outcomes depend on your facts, your compliance history and the evidence available. What we can do is make sure your case is presented properly, nothing is missed, and you do not pay more than you legally owe.

Your Options: Payment Arrangement, Remission or Dispute

The right route depends on why the debt exists and what you can afford. Here is how the main options compare:

Payment Arrangement Best when the debt is correct but you cannot pay in full. You repay in instalments you can sustain. Interest generally continues to run while you pay.
Penalty Remission Best when penalties were caused by circumstances like illness, error or reliance on incorrect advice. It reduces the total, but is never automatic.
Objection / Dispute Best when you believe the assessment is wrong. It challenges the tax itself, and payment of the disputed amount can sometimes be suspended in the meantime.
Compromise SARS may, in limited and qualifying cases, agree to accept less than the full debt. It is the exception, not the norm, and requires strong evidence.

How the Tax Debt Resolution Process Works

Step 1: Free Consultation You share your situation and any SARS letters. We explain what is likely to happen next and what your options look like.
Step 2: Review the Debt We verify your statement of account, identify errors and separate tax, penalties and interest.
Step 3: Get Compliant We file any outstanding returns, because SARS will generally not agree terms while returns are missing.
Step 4: Build the Proposal We prepare a repayment proposal and, where grounds exist, remission or dispute submissions with supporting documents.
Step 5: Engage SARS We submit and follow up with SARS on your behalf, and deal with queries or requests for more information.
Step 6: Stay on Track Once an arrangement is agreed, we help you keep to it and keep future returns and payments current, so the debt does not return.

How long this takes depends mainly on SARS turnaround and how complete your records are. Straightforward payment arrangements can move quickly once returns are filed. Remission and dispute processes take longer.

Documents We Need From You

Having these ready speeds everything up. If you do not have them all, we can help you get them:

  • Copy of your ID, or company registration documents and director IDs
  • Your latest SARS statement of account, if you can access it on SARS eFiling
  • All letters, demands and notices received from SARS
  • Recent bank statements and proof of income
  • Financial statements or management accounts, for businesses
  • A list of monthly expenses, so a repayment proposal is realistic
  • Details of any outstanding or disputed returns

If your records are in a mess, clean books make everything easier. Our monthly bookkeeping packages keep your financials SARS-ready going forward.

Who We Help With Tax Debt

We assist individuals, sole proprietors, small businesses and companies across Benoni and the East Rand. That includes people with a single outstanding balance and businesses with several years of unresolved returns, VAT or PAYE debt. If your business has VAT or payroll arrears, we deal with those alongside income tax.

Because most of the work is done remotely, we serve clients across the region:

Benoni Boksburg Kempton Park Brakpan Springs Germiston Edenvale

Why Choose Accountants On Point for Tax Debt Solutions

SARS Debt Specialist Our team includes Mohau Lebese, ACMA, CGMA, BAP(SA), who specialises in SARS tax debt resolution and negotiating payment arrangements.
SARS Registered Practitioners Your file is handled by SARS registered tax practitioners who are accountable for their work.
Confidential Your financial and tax information is handled privately and shared only as needed to resolve your matter.
Plain Language We explain what SARS is asking, what it means for you and what we recommend, without jargon.
One Team, Whole Picture Tax returns, bookkeeping, payroll and audit support under one roof, so the cause of the debt gets fixed too.
Local & Reachable Based at 50 Elston Avenue, Benoni, with phone, email and WhatsApp support.

Contact Us About Tax Debt Solutions

Tell us what you owe and what SARS has sent you. The first conversation is free and confidential.

Address

50 Elston Avenue, Benoni, 1500

Frequently Asked Questions About Tax Debt Solutions

What are tax debt solutions? +
Tax debt solutions are the steps used to resolve money owed to SARS in a structured and lawful way. They include verifying the debt, arranging instalment payments, requesting penalty remission, disputing incorrect assessments and bringing your returns up to date.
Can I pay SARS in instalments? +
Yes. SARS can agree to a payment arrangement if you cannot pay in full, but it is not automatic. SARS generally expects your outstanding returns to be submitted and your proposal to be realistic for your income. Interest normally continues to run while you pay.
Can SARS penalties and interest be removed? +
Administrative penalties can sometimes be remitted where there are reasonable grounds and supporting evidence. Interest is much harder to reduce and only in limited circumstances. Neither is guaranteed, and the outcome depends on your facts.
What if I cannot afford to pay SARS anything right now? +
Do not ignore it. Contact us so we can review your finances, check the debt is correct and, where appropriate, put your position to SARS with supporting evidence. Engaging early gives you more options than waiting for collection steps.
Can SARS take money from my bank account or salary? +
Yes. SARS can appoint a third party, such as a bank or employer, to pay over money owed by you, usually after demands and notices have been issued. If you have received a notice of this kind, contact us immediately.
Do I need to file outstanding returns before SARS will agree terms? +
In most cases, yes. SARS generally wants your returns up to date before it considers a payment arrangement or remission request. We can prepare and submit missing returns as part of the process.
What is a voluntary disclosure? +
A voluntary disclosure lets you come forward about undeclared tax before SARS finds it. If the application meets SARS requirements, it can reduce or remove certain penalties and protect against criminal prosecution. Strict conditions apply, so get advice before submitting.
How long does resolving a SARS debt take? +
It depends on your records and on SARS turnaround. A straightforward payment arrangement can be quick once returns are filed. Remission requests, objections and audits take longer.
How much do your tax debt solutions cost? +
Fees depend on the size and complexity of the matter, such as the number of outstanding returns and whether disputes or audits are involved. We give a clear quote after your free consultation, before any work begins.
Do you help companies as well as individuals? +
Yes. We assist individuals, sole proprietors, small businesses and companies with income tax, VAT and PAYE arrears, outstanding returns, audits and compliance status issues.

Get Tax Debt Solutions That Fit Your Situation

You do not have to face SARS alone. Send us your statement and letters, and we will tell you where you stand and what to do next, confidentially and without obligation.

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