First, we stop whatever collection action is happening right now. If the IRS is garnishing your wages or threatening to levy your bank account, that ends immediately while we work on your case. Next, we dig into your complete tax situation. This means reviewing all your returns, notices, and financial information to understand exactly what the IRS thinks you owe and what you can actually afford to pay. Then we negotiate your best option. Sometimes that’s an installment agreement with payments you can handle. Other times it’s an Offer in Compromise that settles your debt for pennies on the dollar. We’ll know which route makes sense after we see your numbers.