Tax Debt Relief

Owing back taxes to the IRS is stressful — but there are options. Understanding what programs may be available to you is the first step.

Warning Signs

  • You have received a CP2000 or balance-due notice from the IRS
  • Your tax debt has grown due to penalties and interest
  • The IRS has threatened or initiated a wage garnishment
  • You cannot afford to pay your full tax balance
  • You have received a Final Notice of Intent to Levy

How Mosser.tax Can Help

When taxpayers cannot pay their full balance, the IRS offers several resolution programs. Mosser.tax helps you understand which options may apply to your situation:

  • Installment Agreements — Monthly payment plans allow you to pay your balance over time.
  • Partial Pay Installment Agreements — If you cannot pay the full balance, you may qualify to pay a reduced amount monthly until the collection statute expires.
  • Offer in Compromise — In some cases, the IRS will accept less than the full amount owed. Qualifying for an OIC requires meeting specific criteria.
  • Currently Not Collectible (CNC) Status — If you have no ability to pay, the IRS may temporarily suspend collection activity.

Each option has specific eligibility requirements and trade-offs. Mosser.tax helps you evaluate your situation and understand which path makes sense.

Ready to Discuss Your Options?

Our team is ready to review your situation and help you understand what options may be available.

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Frequently Asked Questions

An Offer in Compromise (OIC) is a program that allows eligible taxpayers to settle their tax debt for less than the full amount owed. The IRS evaluates your ability to pay, income, expenses, and asset equity. Not everyone qualifies, and the process takes time — but it can result in significant savings for those who are eligible.
Yes. The IRS offers installment agreements that allow you to pay your balance over time. If you owe $50,000 or less in combined tax, penalties, and interest, you may qualify for a Streamlined Installment Agreement with minimal financial documentation.
Ignoring a tax balance will not make it go away. Penalties and interest continue to accrue, and the IRS will eventually escalate to enforcement — which can include wage garnishment, bank levies, and tax liens. It is always better to address the issue proactively.
Generally, the IRS has 10 years from the date of assessment to collect a tax debt. This is called the Collection Statute Expiration Date (CSED). Certain actions — including filing for bankruptcy or submitting an OIC — can pause this clock.

Do Not Ignore a Tax Notice

The sooner you understand your options, the sooner you can make a plan.

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