Every year, millions of Americans face IRS wage garnishments, bank levies, and tax liens. Our network of licensed enrolled agents, CPAs, and tax attorneys negotiate directly with the IRS and state agencies — so you never face them alone.
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Our licensed tax professionals handle the complexity so you can focus on your life — not fighting the IRS.
A licensed tax specialist reviews every detail of your IRS correspondence, total federal and state liability, and identifies every program you may qualify for — at no cost, zero obligation. You get complete clarity before making any decision.
Your specialist researches every applicable IRS and state relief program — Offer in Compromise, installment agreements, penalty abatement, hardship status, and more. They calculate your realistic settlement range and the strategy that minimizes what you owe.
Your licensed representative handles all IRS and state agency communication, paperwork, and negotiations. You never speak to the IRS alone. They fight for the most favorable settlement and guide you through every step until your debt is fully resolved.
The IRS and state agencies offer multiple structured relief programs. Here is what our licensed specialists can access for you.
Settle your entire IRS tax debt for significantly less than you owe. Specialists calculate your Reasonable Collection Potential and submit the strongest possible application to give you the best chance of acceptance.
Set up an affordable monthly payment plan directly with the IRS. Specialists negotiate amounts that fit your actual budget and prevent collection actions from escalating while you pay down your balance.
IRS penalties add 25–47% to your total debt. First-Time Abatement and reasonable cause programs can eliminate these charges entirely — dramatically cutting what you owe before any negotiation begins.
IRS levies and wage garnishments can be stopped quickly through installment agreements, hardship status, or Collection Due Process hearings. A licensed rep can often get an immediate hold within days of engagement.
If paying any amount prevents you from covering basic living expenses, the IRS can formally pause all collection actions until your financial situation improves — giving you critical breathing room.
Federal tax liens attach to all your property and damage your credit. Specialists negotiate lien withdrawals, discharges, and subordinations — protecting your assets and financial future.
Facing the IRS alone is one of the most stressful experiences in a person's financial life. You have rights — and there are real, legitimate programs Congress designed for people in exactly your situation. Our specialists know how to use every one of them.
The IRS offers structured programs built for taxpayers who genuinely cannot pay — Offer in Compromise, installment agreements, penalty abatement, Currently Not Collectible status, and innocent spouse relief. A licensed specialist ensures you access every option available and submits the strongest possible application on your behalf.
Explore IRS Relief Options →State tax agencies act faster and more aggressively than the IRS — revoking licenses, issuing levies, and garnishing wages with minimal notice. Each of the 50 states has its own programs, deadlines, and eligibility rules. Our specialists understand both your state procedures and your federal situation, building one unified strategy.
Explore State Relief Options →Most taxpayers are unaware of the programs Congress specifically created to help people who genuinely cannot pay their tax debt. Understanding these programs is the first step to resolving yours.
The OIC program allows qualifying taxpayers to settle their entire IRS tax debt for less than the full amount owed. The IRS evaluates your income, living expenses, asset equity, and future earning potential to determine the minimum amount they will accept.
An installment agreement (payment plan) lets you pay your tax debt in monthly increments you can manage. There are several types — Guaranteed, Streamlined, Partial Pay, and Full Pay — each with different eligibility rules, timelines, and IRS documentation requirements.
IRS penalties can add 25% or more to your underlying tax balance — and that is before interest. The IRS operates several formal abatement programs designed to eliminate or reduce these penalties for qualifying taxpayers, often cutting the total balance significantly before any payment begins.
If your income barely covers basic living expenses, the IRS can formally suspend all collection activity — including wage garnishments, bank levies, and asset seizures — by classifying your account as Currently Not Collectible. This does not erase the debt, but it halts enforcement and buys critical time.
A licensed tax attorney or enrolled agent will review your full situation for free and identify every program you qualify for — with no obligation to proceed.
These are genuine outcomes achieved by licensed tax specialists in our network for clients just like you.
"I was devastated when the IRS started garnishing my paycheck. Within two weeks of contacting Fix My Debt America, the garnishment was stopped and we had an installment agreement I could actually afford."
"After five years of ignoring the IRS I owed over $90,000 including penalties and interest. My specialist negotiated an Offer in Compromise and I settled for $8,200. Still cannot believe it."
"The IRS filed a lien against my house right before I was trying to refinance. My specialist got it discharged in under 30 days and set up a manageable payment plan. Saved my refinance and my sanity."
Understanding the basics puts you in a stronger position. Here is the essential knowledge every American with tax debt needs.
The IRS generally has 10 years from the date of assessment to collect your debt — the Collection Statute Expiration Date (CSED). After this date, the debt legally expires. For older debts nearing expiration, this can be the most powerful element of your strategy.
The IRS Taxpayer Bill of Rights gives you the right to be informed, to quality service, to pay no more than the correct tax, and to challenge the IRS position in an independent forum. A licensed representative can invoke Collection Due Process hearings to formally pause all collection actions.
IRS penalties can add 25–47% to your base tax debt. First-Time Abatement (FTA) — available with a clean three-year compliance history — can remove them entirely. On a $50,000 balance, successful penalty abatement alone could eliminate $20,000 or more before any other negotiation begins.
Failing to file is a criminal offense, but the IRS has voluntary compliance programs that allow non-filers to return to compliance while minimizing penalties and avoiding prosecution. The earlier you engage a specialist, the more options you retain and the lower your risk.
State tax agencies can act faster than the IRS — revoking professional licenses, suspending driver licenses, and seizing assets with minimal notice. Because each state operates independently, having a specialist who understands your specific state's collection rules is essential to full protection.
IRS interest compounds daily at the federal short-term rate plus 3%. On a $50,000 balance, that is approximately $5–8 per day in interest alone, before penalties. Every month of delay can add thousands of dollars. The sooner you act, the less you ultimately pay and the more options you preserve.
Transparency is how we operate. Here are honest, detailed answers to what taxpayers ask us most.
Have more questions? A licensed specialist answers them — free, with no obligation.
Get My Questions Answered — FreeThe IRS does not stop collecting. Penalties grow daily, liens get filed, and collection actions escalate. The best time to act is now — when you still have the maximum options available.
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