The IRS Fresh Start Program offers several relief options, but knowing which one fits your situation makes all the difference. If you owe $50,000 or less, you might qualify for streamlined installment agreements with up to 72 months to pay—and minimal financial disclosure required. For those facing true financial hardship, an Offer in Compromise might settle your debt for pennies on the dollar. The program has relaxed eligibility requirements, making this option more accessible than ever before. Pennsylvania residents also benefit from increased lien thresholds—the IRS generally won’t file a federal tax lien unless you owe $10,000 or more, compared to the old $5,000 threshold. This protects your credit score and employment opportunities while you resolve your debt. Once you’re in an approved payment plan, collection actions like wage garnishments and bank levies typically stop immediately.