Ignoring IRS letters is what makes tax debt expensive. Penalties and interest keep adding up, and the IRS can file a lien or take part of your wages or bank account. Starting now gives you the most choices.
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Owe the IRS? You have more options than you think.
Most people who owe the IRS can get back on track with a payment plan they can afford. We help you file any missing returns, understand what you owe and choose the right option. Your first consultation is free, and it is private.
Your options.
| Option | Who it suits |
|---|---|
| Short-term payment plan | You owe under $100,000 and can pay in full within 180 days |
| Monthly payment plan | You owe under $50,000 and need up to 72 months to pay |
| Larger payment plan | You owe up to $250,000 and need longer to pay |
| Penalty relief | Your record was clean for the 3 years before, or you had a serious reason for paying late |
| Currently not collectible | Paying would leave you unable to cover basic living costs |
| Offer in compromise | You truly cannot pay the full amount. Few people qualify |
Figures are the IRS's online payment plan limits; the IRS confirms which option you qualify for.
- Since 2004East Dallas office
- Fee up frontBefore any work begins
- Hablamos españolEnglish and Spanish
- IRS e-fileAuthorized provider
How we help.
- Free consultationBring every IRS letter and any returns you have. We work out which years are missing and roughly what you owe.
- File the missing returnsNothing else moves until your filing is up to date. Filing late is better than not filing, and you may still be owed refunds from recent years.
- Choose your optionWe help you apply for a payment plan or prepare your request for penalty relief, for you to sign.
- Stay currentWe set up next year's return and, if you are self-employed, a plan for quarterly payments.
Good to know.
- A federal tax lien no longer appears on your credit report, but lenders can still find it in public records.
- If you owe $25,000 or less and pay by direct debit, you can usually ask the IRS to withdraw a filed lien after a few on-time payments.
- The IRS first contacts you by mail. It does not demand payment by gift card, wire or crypto.
- We prepare and support; we do not represent clients before the IRS. If you need representation, we will tell you plainly and refer you to an enrolled agent, CPA or tax attorney.
- Prefer to start on your own? Our Behind on Taxes? Catch-Up Workbook walks you through the steps.
Common questions.
Will owing the IRS hurt my credit score?
Tax debt itself is not reported to the credit bureaus. A filed tax lien is public, though, and lenders, especially for mortgages, often ask for proof of a payment plan.
I have not filed for several years. Where do I start?
With a free consultation. The IRS usually expects the last six years to be filed. We can get your income records from the IRS and prepare the missing returns.
Is this confidential?
Yes. What you tell us stays between you and our office.
Tell us what you owe. It is private.
Roughly how much, which years, and whether you have IRS letters. We will call you to book a free consultation.
Prefer to talk? Call 972-686-1005 or text 214-636-0393.
Ready when you are.
Book a free first consultation, call us, or stop by the office. We will explain what we can do and what it will cost before any work begins.