Tax Debt Solutions
Owing back taxes can feel overwhelming, but several IRS options may help. First confirm the tax years and balances, check whether payments or credits are missing, and note any deadlines in IRS letters. The right path depends on filed returns, current compliance, income, expenses, assets, and ability to pay.

Common options to review
Pay in full: Pay the confirmed balance using current IRS instructions.

Installment agreement: Request monthly payments when you cannot pay at once. Required returns generally need to be filed, and interest and penalties may continue.

Offer in compromise: The IRS may accept less than the full amount in limited circumstances. Eligibility depends on the facts; approval is never guaranteed.

Temporary collection delay: If paying would prevent basic living expenses, the IRS may review whether collection can be delayed. The debt remains and interest and penalties may continue.

Penalty relief or account correction: Check whether a balance includes a mistake, unapplied payment, or penalties that qualify for review.

Prepare before choosing
Gather notices, filed returns, tax periods and balances, payment records, and current income, expenses, assets, and debts. If returns are missing, address filing requirements as part of the resolution plan. Act promptly if a notice includes a response date or appeal right.

Videos from Shane Harris, EA
Back taxes and IRS collections: understand your options
What to know about an Offer in Compromise
Qualifying for an IRS payment plan

Official IRS resources
Get help with tax debt
Payment plans and installment agreements
Offers in compromise
Tax payment options and temporary collection delay

These materials are general education, not tax or legal advice. The available options and deadlines depend on your circumstances and current IRS rules. Schedule a consultation to discuss what may apply to you.

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