I Have Tax Debt
Tax Debt Doesn't Have to Mean. Paying It All Back
Tax Debt Grows Every Day You Wait
Penalties and interest compound fast-early action matters
ACT NOW
Most Clients Settle for a Fraction
The IRS has programs designed to reduce what you owe
PROVEN
One Call Stops the Clock
We halt collections while we build your case
PROTECTED
Your IRS Tax Debt Situation
Does Any of This Sound Like You?
You don’t need to know the IRS rules. Just tell us what’s happening – we’ll figure out the rest.
I cannot pay my tax debt in full
I can pay, but I Need An Affordable Plan
IRS Threatening To Seize My Income & Assets
I want to settle my tax debt for less
Penalties made my balance much worse
This tax debt is not fully mine
I owe state tax debt too
Tax relief is possible
Speak to a tax resolution expert today.
IRS Notice & Levy Help
The IRS Won't Wait! Neither Should You
IRS enforcement moves fast. A notice ignored today becomes a levy tomorrow.
IRS notice or letter help
We'll decode it and respond fast
Wage garnishment risk
We can stop it before it hits your paycheck
Bank levy or frozen account
We can get your account released
tax lien concerns
We can negotiate its removal
Final notice or intent to levy
This is urgent - we act same day
If you have a notice number, bring it to the consultation.
We will help you understand what it means and what to do next.
Our Services
Tax debt relief options we use to resolve back taxes
Tax relief is not one program. The best option depends on your filing compliance, your ability to pay, and what the IRS or state is likely to accept based on your documented financials.
IRS Tax Relief 
A structured approach to resolving back taxes using the IRS options that match your situation, such as settlement, payment plans, hardship status, and penalty relief.
IRS Tax Debt Resolution
A complete plan to address notices, balances, and compliance, then move toward a realistic resolution you can maintain.
Offer in Compromise
A settlement option that may allow qualified taxpayers to resolve IRS debt for less than the full amount owed, based on financial review and eligibility.
Tax Settlement
A broad term for resolving tax debt through negotiated solutions, including an Offer in Compromise or other options based on eligibility.
Installment Agreement
An IRS payment plan that spreads your balance over time. Often used when you can pay monthly, but not in full today.
Currently Not Collectible
A hardship status that may pause IRS collection activity when paying would create financial strain. It is not forgiveness, but it can provide breathing room.
Penalty Abatement
A request to reduce certain penalties when IRS criteria are met. This can lower the total balance and is often combined with other solutions.
State Tax Relief
Support for state tax debt, notices, and collection activity. State rules vary, and the right plan depends on the agency and your facts.
Statute of Limitations
In some cases, IRS time limits may affect collections. However, waiting without a plan can increase risk if enforcement begins. A review helps determine what applies.
enjoy a free consultation from a leading tax expert
Our goal is to serve your best interests. Because we’re agile we move fast and get your case through phase one in 7-10 days. If you don’t think we fulfilled our promise we’re happy to refund your fee.
Compare Options
Quick comparison, which option fits tax debt best
This table is designed to simplify decision-making. A free consultation confirms eligibility and shows what is most realistic for you.
Options
Best For
Main Benefits
Common Requirements
Common Requirements
Limited ability to pay the full balance
Potential settlement for less, if eligible
Filed required returns and detailed financial documentation
Installment Agreement
You can afford the monthly payments
Structured payments, improved stability
Filed required returns, ability to maintain payments
Currently Not Collectible
Hardship, cannot afford payments
May pause collections during hardship
Financial hardship documentation and review
Penalty Abatement
Penalties increased the balance
Possible reduction of certain penalties
Eligibility criteria and supporting documentation
Innocent Spouse Relief
Debt tied to spouse's actions
Possible relief from responsibility
Specific facts, forms, and IRS criteria
State Tax Relief
Penalties increased the balance
State-specific resolution options
State rules, documentation, and compliance steps
Statute of Limitations Review
Time-sensitive cases, complex histories
Clarity on timelines and risk
Transcript review and case-specific analysis
The IRS and state agencies apply rules based on your facts.
The goal is to choose an option you can qualify for and maintain.
Eligibility Review
What we review to find the right tax debt solution
Tax debt relief starts with clarity. These factors usually determine which options are realistic.
Filing status
Many relief paths require the filing of returns. If you are behind, we help you plan the fastest path to compliance.
Income, expenses, and assets
Financial documentation influences settlement eligibility, hardship status, and payment plan affordability.
IRS and state account history
Notices, prior agreements, collections activity, and transcript details shape the best strategy.
Urgency and deadlines
If the IRS is escalating, the priority is often protection first, then long-term resolution.
Testimonials
Trusted help, with proof you can verify
Tax debt is stressful, and tax relief is a serious decision. Our approach is built around clear communication, realistic options, and steady progress, so you understand what is happening and why.
I review a lot of businesses. I am fair and want to provide information for people who genuinely are looking at a business to use for themselves. Regarding doing business with the Tax Hardship Center, it’s too good to be true but WOW. They helped me so much. I felt like I was out of a 10-year prison at the end. The feeling I had after they worked out all the issues I had with back tax penalties, etc., was just such a relief.
Special thanks to: Josh Bensimhon, Senior Tax Analyst, my first impression on the phone. After 2 months of searching, he was the first person that put me at ease. Jessy Zhu, Tax Preparer, for the speed and accuracy of getting the electronic form filled in and filed. Leslie Welch, Tax Preparation Associate, who clearly and precisely explained what my role was and the timeline I was on.
Gary M.
May 29th, 2024
G
Honestly I was really skeptical about getting involved with a company that deals with tax debts. After going down the tax debt resolution rabbit hole I saw so many horror stories other worrisome things, but I needed help.. badly. I got a notice of intent to levy and I knew if I did nothing my life would basically be over so I took a chance and prayed for the best.
I’m glad I did because it worked out better than I ever could have expected. Jeremy helped me understand my options and made the plan as well as the fees easy to understand and straight forward.
It ended up getting resolved better than I could have hoped for and I can finally sleep again.
I’m grateful to Jeremy, Kimberly, and the rest of my team. Thank you Tax Hardship Center
A F.
May 28, 2025
A
If you have unresolved tax issues, this is the company work with – I had a stellar experience and my tax issues were resolved in a much shorter time period than I had anticipated. Sarah, Alex and Clay were absolutely wonderful. All calls were returned promptly and they took the time to answer all questions I had. I very much appreciate their patience.
Katherine Hess was my case manager and she was absolutely wonderful to work with-she too answered all calls promptly and stayed in close contact every step of the way and her kindness, professionalism and patience were very much appreciated. I cannot recommend this company enough. If you have unresolved tax issues this is the company to work with-they go above and beyond for their clients!
Linda Little
Sep 20, 2025
L
I didn’t know if Tax Hardship could help me. I hadn’t filed tax returns in years and the IRS was sending me bills so I got scared and buried my head in the sand. I knew I had to do something about it when the letters started coming more frequently and seemed to be getting more aggressive. I decided to hire Tax Hardship and they were incredible.
My tax prepares got my returns filed quickly and the resolution team was a God send! They kept me updated throughout the process and answered all my questions. I’m now in “good standing” with the IRS
Alice P
June 06, 2026
A
20+ years of tax relief services.
Serving clients nationwide in all 50 states
Our process
How we help you
resolve tax debt, step by step
Free consultation and case snapshot
You share what is happening, what you owe, and any notices you received.
IRS and state review
We review your status, filing compliance, and the factors that affect eligibility and risk.
Strategy and program matching
We identify the most realistic options, explain why they fit, and outline what is required.
Resolution and follow-through
We pursue the chosen path, submit documentation, communicate as needed, and help you stay compliant.
Be Prepared
What to have ready for your free consultation
If you have these items, we can provide clearer direction more quickly.
If you do not have everything, that is fine. Start the conversation, and we will guide you.
Notice letter number, if you received one
Tax years involved
Whether any returns are unfiled
Approximate balance owed
Any current collection action, like a levy or garnishment
Basic income and expense details
Insights
Answers for people researching tax relief and IRS notices
If you are still deciding what to do, start with these resources. They are written to help you understand the process and avoid common mistakes.
You set up a payment plan with the IRS, breathed easier, and...
The letter came on a Tuesday. Nothing about Tuesdays usually feels dangerous....
You open the mailbox. There it is. An envelope with that unmistakable...
Frequently asked questions
Tax debt relief questions, answered
Can I get tax relief if I owe back taxes?
Yes. Tax relief is a set of options that can help you settle, reduce monthly payments, pause collections in hardship cases, or resolve the balance with a structured plan. The best option depends on your filing status, finances, and where the IRS or state is in the collection process.
Do I have to file my tax returns before I can get help?
In many cases, yes. Most IRS relief options require returns to be filed, or to be filed as part of the resolution plan. If you are behind, getting current is often the first step to unlocking better options.
Can the IRS settle my tax debt for less than the full amount?
Sometimes. An Offer in Compromise is a real IRS program, but it is not automatic. Approval depends on eligibility, documentation, and whether the IRS believes it can collect more through other methods.
What is the difference between a tax settlement and an Offer in Compromise?
Tax settlement is a general term used to describe resolving tax debt through a negotiated outcome. An Offer in Compromise is one specific IRS settlement program with strict rules and required financial proof.
What if I can pay something, but not the full amount right now?
An installment agreement may allow you to pay monthly. The right structure depends on what you owe, whether you are current on filings, and what you can consistently afford without falling behind again.
What is Currently Not Collectible status, and will it stop collections?
Currently Not Collectible is a hardship status that may pause IRS collection activity when paying would create financial strain. It is not forgiveness, and the IRS can review your status later, but it can provide breathing room.
Can IRS penalties be reduced or removed?
In some situations, yes. Penalty abatement may apply when you meet IRS criteria and can support the request with the right information. Reducing penalties can lower the overall balance and make resolution easier.
Will the IRS take my tax refund if I owe back taxes?
It can happen. Refunds are often applied to past-due tax balances before you receive the remainder, if any. A formal plan or resolution strategy can help you avoid repeated surprises.
What happens if I ignore IRS letters about tax debt?
Notices can escalate. Delays may lead to stronger collection actions, such as liens, bank levies, or wage garnishment. Responding early usually gives you more flexibility and less stress.
Can you help if I have both IRS and state tax debt?
Yes. State agencies have their own rules and timelines, and they can be aggressive. A coordinated plan helps prevent one debt from undermining progress on the other.
What does statute of limitations mean for IRS tax debt?
In many cases, the IRS has a time limit to collect, but that timeline can change based on your history and certain actions or filings. A review helps you understand what applies to your case and whether waiting is risky.
How do I know which tax debt relief option is right for me?
You do not need to guess. A proper review examines your tax years, filing compliance, income, expenses, assets, and where the IRS or the state is in collections. From there, you can choose an option that is both realistic and sustainable.
Get help with tax debt today
If you are dealing with back taxes, the best time to act is before the IRS or state escalates. Start with a free consultation and leave the conversation knowing what to do next.
Free, confidential consultation. Clear next steps. Support for individuals and businesses.