Tax Debt Help: Get Back on Track
Struggling with unpaid taxes, penalties, or scary IRS letters? You’re not alone, and you don’t have to face it by yourself.
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Our 4-step
Tax Relief Process
No more calls, no more letters: you’re breaking up with the IRS.
Once you’re our client, we take over all communication.
Tell us about your IRS letters, tax debt, or unfiled returns. We’ll listen, review your situation, and explain your options.
We pull your IRS transcripts to see what the IRS sees" penalties, interest, and any missing returns. Then get you filed and eligible for relief.
We design a customized strategy that fits your numbers: an Offer in Compromise, Installment Agreement, Penalty Abatement, or another relief program.
We negotiate directly with the IRS on your behalf, keep you updated every step of the way, and help you finally get back on track.
What Is Tax Debt?
(Tax Debt 101)
Tax debt simply means you owe the IRS money that you haven’t paid. This could be from unpaid income taxes, penalties, or interest that has built up over time.
Many people fall into tax debt because of unexpected life changes, late filings or financial hardship, not because they meant to do anything wrong.
Unfortunately, the IRS doesn’t just “forget” about unpaid taxes. Debt grows with interest and penalties until it’s resolved, and the IRS has powerful tools to collect what they’re owed.
IRS Tax Debt: Causes and Fixes
When tax debt goes unpaid, the IRS views it as a legal obligation.
If you don’t act, they can:
Add ongoing penalties and interest.
File a tax lien against your property.
Issue a levy to seize funds from your bank account.
Garnish your wages directly from your paycheck.
In extreme cases, seize assets like vehicles or homes.
The longer it’s ignored, the harder it gets to fix.
Payment Plans (Installment Agreements)
Set up monthly payments with the IRS if you can’t pay the full balance at once.
Penalty Relief (Abatement)
Request to remove or reduce IRS penalties if you qualify, especially for first-time mistakes or special circumstances.
Offer in Compromise
In certain cases, you may be able to settle your tax debt for less than the full amount owed.
The IRS reviews your finances before approving most payment-based relief options.
Often the best results come from combining solutions, like reducing penalties through abatement and setting up an installment plan to manage the balance.
We find the right mix to maximize your relief.
How We Help You Through the Process
We start with a free consultation to review your situation and explain which tax relief program is the right solution for you.
We handle all the paperwork, forms, and financial analysis the IRS requires, making sure nothing is missed and your case is presented in the strongest way possible.
We stand between you and the IRS, taking over all communication and negotiation while fighting for the best outcome on your behalf.
Why Choose Us?
Jason Smith, EA, CTRS was honored by the American Society of Tax Problem Solvers for expertise and dedication in tax resolution.
Proven expertise in solving IRS problems.
Licensed to represent you directly before the IRS.
No call centers, just real experts who know your case.
No hidden fees, no surprises.
We’ve helped clients just like you get on the right track with the IRS.
Frequently Asked Questions
If you ignore tax debt, the balance grows with penalties and interest. The IRS can file a lien against your property, garnish your wages, take money from your bank account, or even seize assets. The longer you wait, the more serious the consequences become.
Yes. Through a program called an Offer in Compromise (OIC). This allows certain taxpayers to settle for less if they can prove they can’t afford to pay in full.
Not everyone qualifies, but it can be a powerful option when approved.
You still have options. The IRS offers installment agreements (monthly payment plans), penalty relief in some cases, and even “Currently Not Collectible” status if you truly can’t pay. The right option depends on your financial situation.
The IRS generally has 10 years from the date a tax is assessed to collect it. Some events, like filing an Offer in Compromise or a bankruptcy case, pause that clock and push the deadline out.
Once the collection window closes, the remaining balance is written off. Your exact deadline can only be confirmed from your IRS transcripts, which we review in every case.
Home seizures are rare. The IRS collects far more often through tax liens, bank levies, and wage garnishment, and seizing a primary residence requires a court order.
A tax lien can still attach to your home, though, and make it hard to sell or refinance. So unpaid tax debt puts your home at risk even when seizure is unlikely.
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Our clients trust us with everything from bookkeeping and payroll to taxes and representation. Whatever your needs, Fix My Books offers personalized solutions that fit your business.