If you’re facing tax debt, you need more than just advice; you need a team that understands the IRS process and can offer a resolution specific to your situation.
Led by a Former IRS Agent, our team helps individuals and business owners in Fort Lauderdale and nationwide resolve back taxes, reduce penalties, and handle complex cases with strategies that match your financial situation.
Get Professional Tax Debt Relief Services
- Offer in compromise (OIC): Help with requesting a settlement when paying the full tax balance is not realistic. The offer is prepared based on income, expenses, assets, and ability to pay.
- Installment agreements: Setting up monthly payment plans that allow tax debt to be paid over time in a structured and manageable way.
- Penalty abatement: Requests to remove or reduce penalties when valid reasons exist, such as first-time penalty relief or reasonable cause.
- Currently not collectible (CNC) status: Assistance with placing an account into temporary hardship status when financial conditions support it, which pauses collection activity.
- Lien and levy relief: Support with resolving tax liens and stopping or addressing wage garnishments and bank levies when applicable.
- Audit defense: Professional representation during audits to manage communication, documentation, and scope.
- Innocent spouse relief: Help for individuals seeking relief from tax debt caused by a spouse or former spouse when they were not responsible for the errors.
What Tax Debt Means?
The IRS operates under a system called voluntary compliance, meaning it's your responsibility to address what you owe before enforcement actions begin. The IRS expects you to:
- File your return on time, even if you can't pay in full.
- Respond to IRS notices, rather than ignoring them.
- Provide accurate financial details when seeking relief options.
- Keep all future returns filed and up to date.
Ignoring tax debt only leads to more serious consequences, including penalties, interest, and enforcement actions like liens or levies. It’s crucial to act now and avoid escalating your situation.
Risks of Unresolved Tax Debt
Penalties and Interest Add Up Quickly
- Failure-to-file penalty: 5% of the unpaid tax per month, up to a maximum of 25%, when a return is not filed on time.
- Failure-to-pay penalty: 0.5% per month, also capped at 25%, even if the return is filed. This rate can increase after a notice of intent to levy.
- Interest on tax and penalties: Interest applies to both unpaid tax and penalties.
For Q1 2026, the individual underpayment interest rate is 7% annually, compounded daily.
IRS Enforcement Actions
- Federal tax liens: A public legal claim against your property that can affect selling, refinancing, or borrowing.
- Levies on income and assets: The IRS can take funds from bank accounts, garnish wages, or seize certain benefits without a court order.
- Passport restrictions: Tax debt over $66,000 (2026 threshold) can lead to passport denial or revocation.
- Loss of future refunds: Federal and state tax refunds can be applied directly to the unpaid balance.
- Substitute for return (SFR): If returns are not filed, the IRS may file on your behalf using reported income only, often resulting in a higher tax bill due to missing deductions and credits.
How Powerful Tax Debt Solutions Work?
Financial Assessment And Case Eligibility
Every case begins with a clear review of your financial details. Income, assets, and basic information are checked to see whether a tax debt resolution is realistically possible. IRS transcripts are reviewed to confirm balances and filing history.
Compliance And Account Stabilisation
All required tax returns must be filed before any resolution can proceed. Past-due returns are prepared and submitted, and active collection issues are addressed where possible. Current tax obligations are also reviewed so new problems do not continue.
Financial Preparation Under Irs Guidelines
Financial statements are prepared using IRS standards. Expenses are applied correctly, and financial details are presented in a format the IRS accepts and reviews. This step helps determine payment terms or settlement eligibility.
Direct Irs Representation And Negotiation
The case is handled directly with the IRS. Resolution requests are submitted with the required documents and explanations. If questions come up or a proposal is denied, the matter continues through the proper review or appeal process.
Resolution And Ongoing Compliance
Once a resolution is approved, the remaining steps are handled to complete the agreement. This includes managing payments, confirming lien releases when applicable, and monitoring compliance to keep the resolution in place.
Talk to a tax debt relief professional
Tax debt involves forms, deadlines, changing rules, and decisions that are easy to get wrong. A professional review helps you understand what applies to your situation and what to do next, without confusion.
How Much Tax Debt Can Be Resolved?
The IRS doesn’t use a fixed percentage. They don’t care if you owe $10,000 or $1,000,000; they care about one number: your Reasonable Collection Potential (RCP). The IRS uses a specific formula to determine your settlement. They look at your total assets and your future income, then subtract their "National Standards" for living expenses. Whatever is left over is what they expect you to pay.
At this stage, we calculate your RCP using the same IRS standards to tell you exactly what portion of your debt can be resolved before anything is submitted.
Tax Debt Help for Different Situations
We approach each case with experience, focusing on resolving your tax debt efficiently.
Individuals (W-2 income, missed filings, IRS notices)
Most individuals get into tax debt due to missed returns, underwithholding, or unexpected tax bills. Once the IRS flags the balance, penalties and interest start to grow, and if ignored, collections follow.
We help you:
- Review your IRS transcripts to confirm balances, penalties, and compliance gaps.
- Fix missing or incorrect returns to bring your file current.
- Qualify for payment plans or Offer in Compromise based on your income and household expenses.
- Avoid aggressive enforcement like liens or levies before they escalate.
Self-Employed & 1099 Contractors
Freelancers and gig workers are often hit hardest because no taxes are withheld from their income. If estimated payments are missed or deductions are misapplied, balances can grow quickly, and the IRS considers self-employed taxpayers high-risk.
We help you:
- Reconstruct books and apply correct deductions to reduce your assessed balance.
- File any missing returns the IRS may have substituted (SFRs).
- Prepare Form 433-A with proper expense classification using IRS standards.
- Negotiate settlement or CNC status when income is unstable.
Business Owners (Payroll Tax Debt, Trust Fund Penalties)
Payroll tax debt is one of the most serious tax problems. If not addressed, the IRS can assign the Trust Fund Recovery Penalty (TFRP) personally to owners, officers, or signatories, making you liable even if the business closes.
We help you:
- Prevent or respond to IRS enforcement letters (LTR 1153 or 4180 Interview).
- Defend against TFRP assessments with supporting financial and factual records.
- Rebuild payroll tax compliance and provide payroll tax debt relief to avoid future quarter liabilities.
- Negotiate business payment plans while protecting personal exposure.
- Each case is handled by professionals who understand how the IRS builds its case because they’ve been inside the system.
Local Tax Debt Relief Services In Fort Lauderdale, Florida
We work with people across the country and handle everything from back taxes and penalties to complex business liabilities. Whether you’re an individual, self-employed, or running a company, there’s a path forward that fits your situation.
