An Installment Agreement is a monthly payment plan for taxpayers who can’t pay their entire tax bill at once. The IRS offers different types, including streamlined and guaranteed plans, depending on how much you owe and how quickly you can repay.

A Partial Payment Installment Agreement allows you to pay less than the full amount over time based on your ability to pay. The IRS collects what it can before the collection deadline expires. This plan requires financial review and may be reevaluated periodically.

If you're in financial hardship, the IRS can place your account in Currently Not Collectible status. This pauses all collection activity—no levies, garnishments, or seizures. However, the debt remains active, and interest continues to accrue. The IRS may review your financial situation later.

Penalty Abatement is a way to have IRS penalties reduced or removed. This does not apply to the base tax amount. You may qualify for abatement if you have a valid reason for falling behind (e.g., illness, disaster) or if it’s your first time being noncompliant.

Innocent Spouse Relief protects you from being held responsible for a spouse’s or ex-spouse’s tax errors. Relief is available if you had no knowledge of the problem and didn’t benefit from it. The IRS offers several versions, including traditional relief, separation of liability, and equitable relief.

The IRS has 10 years from the date a tax is assessed to collect the debt. After that, the balance is legally uncollectible. If you're nearing that 10-year mark, you may benefit from a strategy that delays or minimizes collection activity until the statute expires.

In limited cases, certain income tax debts can be discharged through Chapter 7 or Chapter 13 bankruptcy. This depends on factors like how old the debt is, whether returns were filed on time, and the type of tax owed. Bankruptcy is a legal process, not an IRS program, but it can eliminate tax debt under strict conditions.

The Collection Appeals Program (CAP) and Collection Due Process (CDP) hearings allow you to formally challenge IRS actions such as liens, levies, or asset seizures. A CDP hearing can temporarily stop collection while your case is reviewed, giving you a chance to propose an alternative solution or dispute the action.

Absolutely. Many clients we help are in financial hardship. There are IRS programs designed specifically for people who can’t afford to pay their full balance. The worst thing to do is wait.

No. Reaching out for help and starting a resolution process shows the IRS you're being proactive. Avoidance is what leads to escalation—garnishments, levies, and additional penalties.

It’s smart to ask that. We’ve helped over 100,000 clients resolve over $2.3 billion in IRS debt. You’ll get a real plan, real representation, and real transparency—no gimmicks, no inflated promises.

In many cases, yes—but not for everyone. Programs like Offer in Compromise are based on strict IRS guidelines. If you qualify, it’s possible to settle for less. If you don’t, there are still options to reduce penalties or stop collections.

You’re not alone. Many of our clients haven’t filed in 3, 5, even 10+ years. The good news is, the IRS wants people to get back into compliance—and there are ways to do it without fear of criminal charges.

That depends on your situation, but in many cases, once we get involved and submit the proper documentation, we can pause enforcement activity. Acting fast helps protect your income.

It depends on the type of case. Some can be resolved in a few weeks, others take a few months. What matters most is getting started—because nothing happens until action is taken.

Tax debt doesn’t show on your credit report, but IRS liens can if they’re filed. Resolving your balance—especially before a lien is issued—is one of the best ways to protect your financial future.

No. Once you're represented, the IRS communicates with your licensed tax professional—not you. That’s one of the biggest reliefs clients feel right away.

DIY efforts often miss critical details, and many budget services offer generic help without digging into your actual financial picture. We build a strategy around your reality—so your outcome isn’t left to chance.

We understand finances are tight. That’s why flexible payment options are available, and we work with you to make this doable—not another burden.

Absolutely. Everything you share is kept confidential and handled securely. Your privacy and trust are non-negotiable.