We've solved this before.
Here's the proof.

Maria had accumulated $84,000 in IRS debt over five years of self-employment. She was terrified and had ignored IRS notices for two years. We analyzed her income and expenses, determined she qualified for an OIC, and submitted a comprehensive package. The IRS accepted our offer of $3,200 — a 96% reduction.

James called us on a Friday after his employer notified him of an IRS wage garnishment starting Monday. We contacted the IRS that afternoon, established representation, and had the garnishment released before it ever took effect. We then negotiated a $380/month installment agreement he could actually afford.

Sandra and David's small business had failed during COVID, leaving $210,000 in payroll and income tax debt. We successfully argued reasonable cause for $140,000 in penalties, reducing their balance to $68,000. We then secured a manageable installment agreement that let them move forward without financial ruin.

Thomas owed $156,000 from a failed real estate investment. He had no significant assets and limited income. We built a detailed financial analysis showing the IRS could not realistically collect the full amount, and submitted an OIC. After one round of negotiation, the IRS accepted $8,500 as full settlement.

Angela was a single mother on disability income with $67,000 in IRS debt. Her income barely covered basic living expenses. We documented her hardship and had her account placed in Currently Not Collectible status — stopping all collection activity. She now has time to stabilize before we pursue a longer-term resolution.

The Franklins had a federal tax lien preventing them from refinancing their home. We simultaneously negotiated an OIC to settle their $98,000 debt for $12,400 and filed for lien withdrawal upon acceptance. They were able to refinance, lower their mortgage payment, and use the savings to pay the settlement.