Debt Management
A structured plan with reduced interest and one monthly payment.
ExploreSettle back taxes before enforcement escalates
Tax debt follows its own rules. We help you get filings current, pause enforcement where possible and reach a resolution with the IRS or your state that matches what you can genuinely pay.
In plain terms
How tax debt relief actually works
Tax agencies have collection powers that card issuers do not, including levies, liens and wage garnishment. The earlier you act, the more options remain open. The first job is to understand exactly what is owed, for which years, and what notices have already been issued.
Resolutions range from installment agreements and penalty abatement to currently-not-collectible status and, for a smaller group, offers in compromise. We explain which ones you realistically qualify for, and when you may not need paid help at all.
A good fit if
- You owe back taxes for one or more years and cannot pay in full.
- You have received a notice of intent to levy, a lien filing or a garnishment order.
- You have unfiled returns and do not know where to begin.
- Penalties and interest now make up a large part of the balance.
- You are self-employed and fell behind on estimated payments.
Probably not right if
- You owe under roughly $10,000 and can set up an installment plan online yourself.
- You can pay the full balance within 180 days without hardship.
- The balance is already under an agreement you can sustain.
- You are disputing whether the assessment is correct, which may need a tax attorney.
Step by step
What happens, in order
- 01
Transcript review
We pull your account transcripts to confirm balances, years, penalties and any enforcement already under way.
- 02
Stabilise enforcement
Where possible, we request holds on collection activity while the case is prepared.
- 03
Bring filings current
Outstanding returns must be filed before most resolutions are available, so we get them done first.
- 04
Negotiate the resolution
We submit the agreement, abatement request or offer that best fits your documented ability to pay.
Honest comparison
The upside, and what it costs you
Every route has both. Anyone showing you only the first column is selling something.
| What it gives you | What it costs you |
|---|---|
| Enforcement can often be paused quickly | Interest keeps accruing under most agreements |
| Penalty abatement is available more often than people expect | Offers in compromise have a demanding qualification bar |
| A formal agreement stops the escalation cycle | All outstanding returns must be filed first |
| Payment terms are based on documented ability to pay | Federal tax liens may already be on public record |
What it costs
Tax resolution is priced as a flat or staged professional fee, agreed in writing before work begins. The initial review is free, and we tell you if you can resolve the matter yourself.
How long it takes
Simple installment agreements can be in place within weeks. Cases involving unfiled returns, abatement requests or offers in compromise can take several months.
Questions
Tax Debt Relief FAQs
Can you stop a wage garnishment?
Often, yes. Establishing a qualifying agreement or hardship status can lead to a garnishment being released, though the timing depends on the agency and your case.
What is an offer in compromise?
It is an agreement to settle a tax debt for less than the full amount, based on your ability to pay. The bar is high, and we only recommend applying when the numbers support it.
Do you handle state tax debt as well?
Yes. Many state tax agencies offer similar options, although the rules and timelines vary by state.
Client reviews
What tax debt relief clients said
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