IRS Debt Analysis Process

We help people with tax debt understand their options, and make informed choices.  We can’t do this without learning about your situation and your IRS history.  This evaluation process is necessary in almost every situation, and will make the difference in finding the best solution.  If you have tax debt, take the following steps:


Call the office to discuss the situation with the attorney. He’ll listen to your situation, ask questions, and provide thoughts about your options, answer your questions, and explain how the process works.  The discussion is free and sometimes the attorney can tell you how to fix the problem yourself during the call.


Once we’ve talked, we begin the process of gathering additional facts from the IRS and from you.  We need to know a number of things in order to provide correct advice.  So we typically take two steps:

IRS History Analysis

We contact the IRS to confirm debt amounts, penalty amounts, dates of assessment, collection statute dates, which returns are missing, which returns can be challenged, reported income for the years with missing returns, which debt may meet date criteria for discharge in bankruptcy, whether you might qualify for a time-based payment plan, and where you are at in the collection process in terms of levy and lien.  We also file an appeal re: collection if it makes sense or at a minimum attempt to negotiate a short hold on collection to allow time to complete missing returns, financial statements, and propose a solution.

Financial Analysis

Depending on your situation with the IRS, your actual income, budget, and assets will make all the difference in how you solve the problem.  If it will make a difference, we have you provide us detailed information and documentation about those items.

If the analysis shows that your best option is to set up a “time-based”, guaranteed/streamlined installment agreement, we will tell you how to do it.  You may not need our help.


If there are missing returns or there are IRS Substitute Returns that need to be “challenged”, we can complete these returns with your help.  Knowing what the debt amount will be is not only important in order to get the solution right, but it’s necessary in order to convince the IRS to play ball.


Once we know your IRS history, your correct IRS debt, and if necessary your financial situation, we can create a plan that will help you to control IRS collection in the short term and deal with the debt in the long term.


After the conclusion of the analysis meeting, a plan is chosen and we provide that plan in writing.  If your circumstances change along the way, the plan can and sometimes must change requiring us to re-analyze your situation.


Once we’ve analyzed the situation, compliance is complete, and the plan is chosen… we work together to follow the plan and use it to deal with your tax debt situation.