Question 1

How much can you reduce my tax debt?

Accepted Answer

The amount depends on your specific financial situation, but we've helped clients reduce their tax debt by 50-90% in many cases. The IRS has several programs designed to help taxpayers who genuinely cannot pay their full debt.

Offer in Compromise allows you to settle your debt for less than you owe if you meet specific criteria. Currently Not Collectible status can temporarily stop collections if paying would create financial hardship. Each case is different, which is why we do a complete financial analysis before recommending any strategy.

What matters most is that we explore every possible option to get you the lowest payment amount possible, whether that's through debt reduction programs or affordable payment plans that fit your actual budget.

Question 2

Can you stop wage garnishments immediately?

Accepted Answer

Yes, in most cases we can stop wage garnishments quickly once we begin representing you. The IRS is required to work with taxpayers who are actively trying to resolve their debt, and having professional representation demonstrates that commitment.

We immediately contact the IRS to request a hold on collection activities while we negotiate a resolution. This typically stops garnishments within days, not weeks or months. Your full paycheck gets restored while we work on a permanent solution.

The key is acting fast. The longer wage garnishments continue, the more money you lose that could have gone toward actually resolving your debt. Every day you wait is money out of your pocket that you'll never get back.

Question 3

What if I haven't filed tax returns for several years?

Accepted Answer

Unfiled returns are actually more common than you think, and they're definitely fixable. We help clients catch up on years of unfiled returns all the time. The IRS wants those returns filed more than they want to punish you for not filing them.

We'll gather all necessary documentation, prepare accurate returns for all missing years, and file them in the correct order. Often, you'll discover that you don't owe as much as you feared, or you might even be entitled to refunds for some years.

The important thing is getting compliant before the IRS files substitute returns for you. When they prepare your returns, they don't include deductions or credits you're entitled to, which means you'll owe more than necessary. We make sure you only pay what you actually owe.

Question 4

How long does the tax resolution process take?

Accepted Answer

Most cases resolve within 3-6 months, but complex situations can take longer. The timeline depends on which programs you qualify for and how quickly the IRS responds to our submissions.

Simple installment agreements can be set up in a few weeks. Offer in Compromise cases typically take 6-12 months because the IRS does a thorough financial review. Currently Not Collectible status can often be achieved within 30-60 days if you meet the criteria.

What's important is that collection activities usually stop within the first few weeks once we begin representation. So even if the final resolution takes several months, you get immediate relief from garnishments, levies, and threatening notices.

Question 5

Do I qualify for IRS tax forgiveness programs?

Accepted Answer

Most people with significant tax debt qualify for some type of relief program, but each program has specific requirements. Offer in Compromise requires proving that paying your full debt would create financial hardship. Currently Not Collectible status is for people whose basic living expenses exceed their income.

Installment agreements are available to almost everyone, and they can often be structured with very low monthly payments. First-time penalty abatement can eliminate penalties if you've been compliant in previous years. Innocent spouse relief protects you from tax debt created by your spouse.

The only way to know for sure is to have a professional review your complete financial picture. We'll analyze your income, expenses, assets, and debt to determine which programs offer the best outcome for your specific situation.

Question 6

What happens if the IRS has already seized my bank account?

Accepted Answer

Bank levies can often be released, especially if we can demonstrate that the seizure creates financial hardship or if we can quickly establish a payment arrangement. The IRS is required to consider hardship situations and alternative collection methods.

We immediately contact the IRS to request a levy release while we work on a permanent resolution. If you need the seized funds for basic living expenses like rent, utilities, or groceries, we can often get at least a partial release within days.

The key is acting immediately. You typically have only 21 days from the levy date to request a Collection Due Process hearing, which gives you additional rights and protections. After that window closes, your options become more limited, so time is critical.

Tax Resolution Tiffany, PA