Tax Debt Relief
Offer in Compromise, installment agreements, and penalty abatement — real options to reduce or manage what you owe the IRS.
- Free, no-obligation consultation
- Confidential & secure
- Experienced tax professionals
What's included & how it works
Owing the IRS more than you can pay is stressful, but you have real options — and the IRS itself offers several formal programs to help. The right path depends on how much you owe, your income, your expenses, and the value of your assets. There's no one-size-fits-all solution, and no honest service can promise a specific outcome before reviewing your finances, but understanding the choices puts you back in control.
An installment agreement lets you pay your balance over time in monthly amounts, and many taxpayers can set one up if they're current on filings. An Offer in Compromise can settle a debt for less than the full amount, but the IRS only accepts it when it reflects what they could reasonably collect — and many offers are rejected, so eligibility matters. Penalty abatement, including first-time penalty abatement, can remove failure-to-file or failure-to-pay penalties when you have a clean compliance history or reasonable cause. And if paying anything would leave you unable to cover basic living expenses, you may qualify for Currently Not Collectible status, which pauses collection.
We review your full financial picture, explain which programs you realistically qualify for, and help you prepare the forms and documentation the IRS requires. The goal is a resolution you can actually live with — not a promise we can't keep.
- 1
Review your finances
We look at what you owe, your income, allowable living expenses, and assets to see which IRS programs you realistically qualify for.
- 2
Get compliant first
Most relief requires all required returns to be filed and current. We help you close any filing gaps before applying.
- 3
Choose the right program
Installment agreement, Offer in Compromise, penalty abatement, or Currently Not Collectible — we match the option to your situation.
- 4
Prepare and submit
We help complete the required forms and financial disclosures so your request is accurate, complete, and gives you the best chance.
Who this is for
- People who owe the IRS more than they can pay at once
- Those facing penalties on top of the original tax
- Anyone exploring an Offer in Compromise
- Filers who need an affordable monthly payment plan
- People with a financial hardship that limits payment
- Taxpayers with a clean history seeking penalty relief
Frequently asked questions
Can I really settle my tax debt for less than I owe?+
Sometimes, through an Offer in Compromise. The IRS accepts an offer only when it equals or exceeds what they believe they could reasonably collect from your income and assets, so it isn't available to everyone and many offers are denied. We review your finances honestly and tell you whether it's a realistic option rather than promising an outcome.
What is first-time penalty abatement?+
First-time penalty abatement is an IRS administrative waiver that can remove failure-to-file or failure-to-pay penalties for a single tax period if you have a clean compliance history — generally no penalties in the prior three years and all required returns filed. You can also seek relief for reasonable cause, such as serious illness or a disaster.
Will the IRS stop collection while I'm working things out?+
Often, yes. While a properly submitted Offer in Compromise or installment agreement request is pending, the IRS generally pauses enforced collection. If paying anything would leave you unable to afford basic living expenses, you may qualify for Currently Not Collectible status, which temporarily stops collection — though interest continues to accrue.
Does interest keep growing while I'm on a payment plan?+
Yes. Interest and any applicable penalties continue to accrue on the unpaid balance until it's paid in full, even on an installment agreement. That's why we look at whether penalty abatement or a faster resolution could reduce the total cost, not just spread it out.
Get tax help today — free, no obligation
Talk to a tax specialist about your situation. No pressure, no judgment.