Offer in Compromise
Settle for less than the full amount — when you qualify.
An Offer in Compromise (OIC) is an IRS program that can let you resolve a tax debt for less than the total owed. It is not available to everyone: the IRS weighs your income, expenses, assets, and ability to pay before accepting one, and most balances are ultimately resolved another way.
Here’s our honesty angle — we will tell you truthfully whether an OIC is a realistic option for you before you spend money pursuing it. We don’t promise a settlement amount, and we don’t guarantee acceptance, because no one can.
You may be a candidate to explore an OIC if:
- Paying the full balance would leave you unable to cover basic living expenses
- Your income and assets are limited relative to what you owe
- Your required tax returns are filed and you’re otherwise compliant
When it fits, we prepare and file the offer for you — documenting your financials accurately, calculating a supportable offer, and corresponding with the IRS through the review.
Installment Agreements
An affordable monthly payment you can actually live with.
If you can’t pay in full but can handle steady monthly payments, an installment agreement lets you pay the balance over time instead of all at once. For many people this is the most practical route back to good standing.
There are several types — from straightforward agreements for smaller balances to arrangements that take your full financial picture into account for larger ones. The right one depends on how much you owe and what you can reasonably afford.
We review your finances, determine which type you may qualify for, and negotiate to set up a payment amount that keeps the IRS satisfied without stretching your budget past its limit.
Penalty Abatement
Ask the IRS to remove penalties — where there’s a basis to.
Penalties can make a balance grow quickly. In certain circumstances the IRS will remove or reduce them — for example through first-time penalty abatement for an otherwise clean history, or for reasonable cause when something outside your control kept you from filing or paying on time.
Reasonable cause is fact-specific: serious illness, a death in the family, a natural disaster, or records lost through no fault of your own are examples the IRS may consider. Abatement is never automatic, and interest generally still applies.
We review whether you may qualify, gather the supporting facts, and submit the request on your behalf — making the strongest case the situation supports.
