Tax Debt Relief Options Checker
See which IRS relief options may fit your situation.
If you owe the IRS and cannot pay in full, options may include an installment agreement, an Offer in Compromise to settle for less, Currently Not Collectible status during hardship, and penalty abatement. You usually must file all required returns first. Only the IRS decides eligibility — this is general information, so consult a licensed tax attorney.
Answer all four questions to see options that may fit.
Frequently Asked Questions
What are my main options if I owe the IRS and can't pay?+
Common IRS relief paths include an installment agreement (monthly payments), an Offer in Compromise (settling for less than you owe), Currently Not Collectible status (a temporary pause during hardship), and penalty abatement. Which ones fit depends on your finances, and only the IRS decides eligibility.
Do I have to file all my tax returns before getting relief?+
Usually, yes. The IRS generally requires you to be current on all required tax filings before it will approve an installment agreement, Offer in Compromise, or other relief. Filing any missing returns is typically the first step.
What is an Offer in Compromise?+
An Offer in Compromise lets some taxpayers settle their tax debt for less than the full amount owed when paying in full would create genuine hardship. It is not automatic — the IRS reviews your income, expenses, assets, and ability to pay before deciding.
What does 'Currently Not Collectible' mean?+
Currently Not Collectible (CNC) status means the IRS temporarily pauses active collection because you cannot afford basic living expenses and your tax payments. The debt does not disappear, and interest can keep accruing, but collection actions like levies are generally halted while it lasts.
Can IRS penalties be reduced or removed?+
Sometimes. The IRS may grant penalty abatement if you have reasonable cause (such as serious illness or a natural disaster) or qualify for first-time penalty relief. Reducing penalties does not erase the underlying tax you owe.
Are 'pennies on the dollar' tax settlement offers legitimate?+
Be very cautious. Companies that guarantee they can settle your IRS debt for a tiny fraction are often running scams, since only the IRS can approve a settlement and only for those who genuinely qualify. A licensed tax attorney or reputable tax professional can give you an honest assessment.
Is this checker legal or tax advice?+
No. This tool provides general information only and the options it lists are possibilities, not eligibility determinations. Only the IRS decides what you qualify for, so consult a licensed tax attorney or qualified tax professional about your specific situation.
Is this tool legal advice?+
No. This tool provides general information only and is not legal advice. Results are estimates and every case is different — always consult a licensed attorney in your state about your specific situation.
Talk to a Tax Law attorney near you
This tool gives general estimates. For guidance on your specific situation, connect with a licensed tax law attorney. Many offer a free or low-cost first consultation.
Find Tax Law Lawyers Near YouThis tool provides general information only and is not legal advice. Results are estimates and outcomes vary by state and the facts of your case. Lawyers Near Me is not a law firm. Always consult a licensed attorney in your state about your specific situation.