IRS Debt Help | IRS Debt Forgiveness | Flat Fee Tax Relief

What Is the IRS Debt Forgiveness Program? IRS Debt Help?

Even the IRS understands “stuff happens” happens. That’s why the agency offers IRS debt forgiveness (IRS debt help) when you can’t afford to pay your tax debt.

Remember this, the IRS has 2 goals: collect money and close cases. Under certain circumstances, taxpayers can have their tax debt dramatically or partially forgiven. When the IRS considers forgiving your tax liability, they look at your present financial condition first. This means the IRS can’t collect more than you can reasonably pay. If any collection action would force you into a financial crisis where you lose all sense of financial security, the IRS can’t collect your tax debt.

IRS Tax Debt
IRS Tax Forgiveness

Know What You Owe – Know What You Qualify For

Before applying for IRS programs, find out how much in taxes you owe to the IRS. Knowing what IRS forgiveness programs you qualify for and how much you currently owe is vital when it comes to asking for IRS forgiveness.

There are many different ways to find out how much you owe, including checking online through the IRS’s new portal, calling the IRS, mailing the IRS a form, or having a tax professional do the research for you. The advantage to having an tax professional look into your IRS problem is this: the IRS won’t be asking you questions which you would be obligated to answer. No matter how you figure out how much you owe in back taxes, you’ll need to know before seeking forgiveness. 

The IRS has many many rules. How much you owe is among the different rules that they have. It is important to know how much the tax debt is in order to to attack the IRS problem.

Be on the Lookout for IRS Collection Actions

If you can’t pay but you haven’t reached out to the IRS for forgiveness or assistance, you should still expect them to begin taking collection actions against you. These actions can range from seemingly benign, like loads of notices in the mail, to very aggressive, like private debt collection agencies getting involved and tracking you down.  You could also find that your passport is at risk due to tax debt.

Some of the IRS’s often-used collection actions include:

 Tax Lien – Federal Tax Lien – A tax lien is an IRS claim against your property, which will secure their interest in your assets if you fail to pay your tax debt. It’s kind of like “an insurance policy.” It is what we call a “passive collection.” Unlike a tax levy, a lien doesn’t mean your property will be taken immediately. However, you’ll still need to address the tax lien. Not only can a tax lien keep you from selling your property, but it can also snowball into a more aggressive action in the future. Once again, depending on how much the tax debt is, tax liens are regulated by the tax debt owed.

Tax Levy – IRS Garnishment – Bank Levy – Wage Garnishment

tax levy is the agency authority to legally seizure of your property to satisfy your outstanding unpaid tax debt. You should have been sent a notice of levy from the IRS, which will let you know that they are planning to pursue levying actions against you. 

A tax levy can be placed on personal property like your home, car, or boat. They can also be placed on your assets, like your bank funds, tax refunds, and wages. 

A Wage garnishment is a type of tax levy in which the IRS will take part of your income in order to settle your existing tax debt. The IRS will order your employer and will continue garnishing your wages until your tax debt is paid or other arrangements are made to pay your tax debt.

Pay Less Than You Owe with Offer in Compromise

After paying your “allowable expenses” (everyday expenses), if it can be shown that you cannot pay the entire tax debt, you should apply for the IRS government payment plan called an Offer in Compromise (OIC) to settle your tax debt. Depending on your financial capacity and upon acceptance, the IRS significantly reduces the total debt that you can pay. This reduced amount can be paid in a lump sum or in fixed monthly payments.

The tax professionals at Flat fee Tax Relief, have a 96% Offer in Compromise approval rate. Our team members know how to shepherd a successful Offer in Compromise submission. The IRS considers your ability to pay, income, expenses, and asset equity when determining your eligibility for an OIC. While it can be a life-changing tax resolution for many people, the IRS doesn’t give an Offer in Compromise easily.

Offer in Compromise – Tax Settlement

See If You Qualify for the IRS Fresh Start Initiative

To make it easier for taxpayers to qualify for an OIC, the IRS has expanded their Fresh Start initiative.

These changes to the Fresh Start initiative make it easier to afford your IRS tax payments. Now, you won’t have to disclose extensive financial details to the IRS to judge your paying ability. 

  • Instead of looking at five years of future income to determine reasonable collection potential, the IRS now looks at only one to two year of future income for offers, depending on the payment period. 
  • Taxpayers are now allowed to make their student loan minimum payment for post-high school education loans guaranteed by the federal government.
  • Taxpayers may, under certain conditions including financial hardship, pay delinquent federal and state or local taxes in monthly installments if they cannot pay it in full.
  • The IRS has expanded the Allowable Living Expense standards. This allowance now includes credit card payments, bank fees and charges, and other various allowances.
  • The IRS has doubled the dollar threshold for taxpayers eligible for Installment Agreements, which will help more people qualify.

I am Dave Rosa. It is my duty and pleasure to provide you with a comprehensive consultation. Not to “toot my own horn” but I have been doing this for a very long time. After 20 to 30 minutes on the phone, we will know if an Offer in Compromise is the right thing to do for you. If it is great, if it isn’t we will look for another way to provide you with IRS tax debt help and reduce your tax debt.


CALL FLAT FEE TAX RELIEF – 1-866-747-7435

Innocent Spouse | Injured Spouse | IRS | Flat Fee Tax Relief

Innocent Spouse | Injured Spouse | IRS TAX DEBT HELP

IRS Tax Relief by Separation of Liability – Equitable Relief – Innocent Spouse

An Innocent Spouse (IRS innocent spouse) is simply someone whose tax refund is used to cover the past-due debts of a spouse or ex-spouse. If you filed a joint tax return, you are jointly and individually responsible for the tax debt and any interest and penalty due on the joint return. The IRS does not care about any divorce decree. As far as the agency is concerned “it’s between you and your ex.” This is true even if a divorce decree states that a former spouse will be responsible for any amounts due on a previously filed joint return. If you believe, that only your spouse or former spouse should be held responsible for all or part of the tax, then you can file a request for Innocent Spouse Relief.



By requesting innocent spouse relief from the IRS, you can be relieved of responsibility for paying tax, interest, and penalties if your spouse (or former spouse) improperly reported items or omitted items on your tax return.  In some cases, if the request has been accepted, a spouse may be relieved of the tax, interest, and penalties on a joint tax return. You must meet with the required conditions to be qualified for a request for Innocent Spouse status. If you live in community property State, then the requirements and qualification will also depend on the community property state laws.

After the agency receives and investigates your Request for Innocent Spouse Relief, the IRS will determine by taking into consideration of all information and your circumstances to evaluate which type of relief you will be qualified:

Three Types of Innocent Spouse Relief:

  • Innocent Spouse Relief
  • Relief by Separation of Liability
  • Equitable Tax Relief

I am Dave Rosa. It is my pleasure and duty to provide everyone who calls with a thorough evaluation of their tax problem. Our consultation will take 20 to 30 minutes to complete. By the time we finish, you will have a complete understanding of your tax relief options and what you cn expect. Our phone time with you will be well worth it.

FLAT FEE TAX RELIEF – 1-866-747-7435

Tax Debt Relief | Flat Fee Tax Service

What Should You Expect When Resolving Your Tax Debt in San Diego – Los Angeles, CA

San Diego-Carlsbad-San Marcos-Los Angeles, CA 

When you are trying to resolve your tax debt, you can expect some changes to happen. You can expect to have some instant relief and some relief after a certain period. As IRS problems take some time to develop, so resolving a tax debt will also take some time. If you are in San Diego, Los Angeles, Carlsbad and San Macros and you are trying to resolve your tax debt, you can get tax relief by calling 1-866-747-7435.

It is possible to resolve tax debt and you can do that with the help of our tax professionals. We provide expert IRS tax problem resolution service in your area, we are also rated A+ by the Better Business Bureau.

Free Consultation

I am Dave Rosa. At Flat Fee Tax Service, we offer a free consultation in San Diego, Los Angeles, Carlsbad and San Macros. You can simply call 1-866-747-7435 for your free consultation. During our 20 to 30 conversation, I will evaluate your case, the present situation and the possible tax relief options for resolving the case. You should provide all the necessary information so we can determine the next steps to be taken for resolution of your tax debt.

If you are satisfied with the free consultation session, you can hire us as your the tax resolution service provider to negotiate and resolve your tax debt. If you do not like the session, you can always go to other tax service providers.

When you decide to hire an experienced tax professional to represent you in the resolution of your tax debt, the process of tax resolution begins. You can expect to have a licensed power of attorney negotiating your case, who will be in constant contact with you. Most of the tax representatives are IRS licensed enrolled agents, tax attorneys, or C.P.A.’s. Make sure you hire an experienced tax representative, and not a tax preparer.

Upon retention, we will immediately develop a strategy to resolve your tax debt. You can directly contact your power of attorney with any questions. We, as your tax debt professional, will represent you before the IRS or before the State if necessary. We will perform the necessary negotiations with the IRS to get you tax relief and other options from the IRS.

While choosing a tax attorney, CPA or Enrolled Agent serving San Diego, Los Angeles, Carlsbad and San Macros, make sure you check out the tax debt relief firm by checking with the better business bureau.

Get expert tax debt help today by calling Flat Fee Tax Service at 1-866-747-7435.

Tax problem resolution, IRS tax debt help in San Diego, Los Angeles, Carlsbad, San Marcos, Chula Vista, Oceanside, Escondido, El Cajon, Vista, Encinitas, La Mesa, Santee, National City, Poway, Ramona, La Jolla, California State

IRS Notices | Flat Fee Tax Service

Receiving a notice from the IRS is not something most people look forward to. You may be confused as to what the notice is saying, and afraid of the possible consequences, such as owing substantial back taxes, interest, and penalties.

However, there are two important things to know about most IRS notices:

You may have the right to challenge or appeal the action the IRS is taking:

1. You usually have a limited time to do so.

2. If you toss the IRS notice aside and forget about it, you may lose out on your chance to appeal an incorrect tax assessment or to stop an IRS collection action. The IRS is also much easier to deal with when you are proactive about solving your tax problems, rather than failing to respond to IRS notices and hoping for the best.


There are many different types of IRS notices, but the Notice of Deficiency and the various collection notices are two common ones that you should be aware of.

The Notice of Deficiency

The Notice of Deficiency, also known as a 90-day letter, is the last best chance to disagree with the IRS determination of additional tax due. Don’t ignore it! If you do, you will be very unhappy later.

Once you receive this notice, you have 90 days to file a petition in Tax Court. If you have any reason to believe that the IRS has made an error in computing the tax, you should contact a tax litigation attorney immediately, so you can argue your case in Tax Court.

After filing your petition, you may not need to go to court at all. Your tax attorney may be able to negotiate a settlement that eliminates some or all of the assessed tax. Even if you and your attorney decide that the IRS is likely to win their case, you can negotiate an installment plan or Offer in Compromise in order to avoid any IRS collection actions.

IRS Collection Notices

There are many different types of notices to inform you that the IRS is about to use its broad collection powers to take your assets. Some of these notices include:

Notice of Intent to Levy
Notice of Federal Tax Lien
Notice of Jeopardy Levy
Notice of Levy on Your State Tax Refund
Post Levy Collection Due Process Notice

If you receive any of these IRS notices, it means that the IRS is about to—or already has—seized your paycheck, your bank account and/or property,  IRS will aggressively go after the funds in your bank account, a portion of your wages, or something else.


A taxpayer has a right to challenge these collection actions (if you know how and what to do), whether they have already happened or not. In most cases you can request a Collection Due Process hearing, but you only have 30 days to make such a request.

You may or may not be able to dispute the tax assessment at this point, but you can challenge the specific collection action being taken, and either agree to a payment plan or Offer in Compromise, either of which is preferable to having the IRS drain your bank account or garnish your wages.

IRS Installment Agreement – IRS Payment Plan Revoked – Flat Fee Tax Service

The IRS will allow a taxpayer to pay off an income tax debt through an installment agreement. Because interest and penalties will apply. The IRS encourages taxpayers to pay taxes immediately because the IRS is a very powerful collection agency. To “encourage” a taxpayer to pay off their past due to income tax debt, interest and penalties will be added and can equal 8% to 25% per year. If you do nothing, your overdue income tax debt could double in 4 years.

For most financially struggling taxpayers the thought of paying the entire income tax debt all at once is not possible. An installment agreement is an alternative allowed by the IRS. The IRS has four different types of installment agreements: guaranteed, streamlined, partial payment, and non-streamlined.



Guaranteed IRS Installment Agreement

To qualify for a guaranteed installment agreement with the IRS, the taxpayer must meet the following conditions:

  • Owe less than $10,000, (not including interest and penalties);
  • In the previous five years, the taxpayer has filed tax returns, paid taxes owed, and has not entered into an installment agreement;
  • The taxpayer is unable to pay the tax liability when due;
  • The tax liability will be paid off within three years; and
  • The taxpayer must pay at least the minimum monthly payment (tax liability, interest, and penalties divided by 30)

Under this payment plan, the IRS will not file a federal tax lien against the taxpayer.

The IRS Streamlined Installment Agreement

In most cases, a taxpayer that qualifies for a guaranteed agreement will also qualify for the streamlined installment agreement. A streamlined installment agreement has the following requirements:

  • The tax liability, interest, and penalties do not exceed $25,000;
  • The balance can be paid off within 60 months; and
  • The proposed payment is equal to or greater than the “minimum acceptable payment” (the minimum acceptable payment is the greater of $25 or the minimum payment amount reached by dividing the tax liability, interest, and penalties by 50)

The taxpayer must pay a fee of $105 to set up the installment agreement or $52 for a direct debit installment agreement. To restructure or reinstate a previous installment agreement, the IRS charges a $45 fee. Like a guaranteed installment agreement, the IRS does not file a federal tax lien.

IRS Partial Payment Installment Agreement

A partial payment agreement allows the IRS to enter into agreements with taxpayers for the partial payment of a tax liability. To qualify for this arrangement, the taxpayer must complete a financial statement using Form 433-F to report income and living expenses. The IRS will review and verify the information. If the taxpayer has assets that can be sold to pay some of the tax debt, the IRS will require the taxpayer to provide additional information.

If approved, the taxpayer will be required to participate in a financial review every two years. This review may result in the increase in installment payments or the termination of the agreement.

IRS Non-Streamlined Installment Agreement

If a financially struggling taxpayer owes $25,000 or more and can make monthly payments to the IRS, a non-streamlined agreement can be an option. The IRS will not automatically approve this agreement; instead, the taxpayer must negotiate with the IRS by providing detailed financials. The taxpayer must file Form 433-F, Collection Information Statement. This form collects information about income, debts, living expenses, assets, accounts, and allows the taxpayer to propose an installment payment amount.

It will usually take a few months for the IRS to review a proposed payment plan. The IRS may refuse a proposed agreement if it considers some of the taxpayer’s living expenses unnecessary, if the untruthful information was provided, or if the taxpayer failed to complete a prior installment arrangement.

If a taxpayer is unable to pay a tax liability through a non-streamlined agreement, consider filing an Offer in Compromise.



the IRS Will Accept Payments

Taxpayers can make installment payments in the following ways:

  • Payroll Deduction
  • Direct debit
  • Check or money order
  • Electronic Federal Tax Payment System (EFTPS)
  • Credit card
  • Online Payment Agreement (OPA)

When Will the IRS Revoke an Installment Agreement

The IRS can revoke an installment arrangement under the following circumstances:

  • The financially struggling taxpayer misses a payment;
  • The financially struggling taxpayer does not file a tax return or pay taxes after the agreement is entered into ;
  • The financially struggling taxpayer provided inaccurate information on Form 433-F; or
  • The financially distressed taxpayer is paying under a partial payment installment agreement and a review indicates a change in their financial position.






“America’s Best & Most Affordable IRS Income Tax Relief Team”


IRS Tax Relief in the USA

Stop IRS Wage Garnishment – Same Day | Flat Fee Tax Service

our clients with IRS wage garnishment have had their IRS wage stopped, released and removed in one (1) business day.

Flat Fee Tax Service can do this because our company of motivated tax professionals specializes in understanding exactly how the IRS works and what vital documentation is needed.

IRS wage garnishment and IRS Levies will be stopped, released and removed in one business day if done properly. One has to realize that the last resort the IRS utilizes is a wage garnishment or levy. This is one of the most lethal weapons available to the IRS. There are several ways to have the levy or garnishment released.

The first thing that has to be done is to verify that the taxpayer is in compliance with the IRS. Being in compliance means that all outstanding and missing tax returns for every year have been filed with the IRS. Those tax returns include 1040’s, 1099’s, quarterly estimated tax payments, 940/941’s depending on the particular situation of the taxpayer.

Save Your Paycheck From The IRS
Our IRS Tax Attorneys will have an IRS wage garnishment stopped and released in one day.

The first thing to do in order to determine if you are in compliance with IRS regulations is to immediately contact the IRS upon receipt notice of an IRS garnishment or levy. Be advised that you need to be extremely cautious (the IRS is not your “buddy”) when contacting the IRS in regards your IRS income tax problem. Before the IRS will give you any information on your compliance, they will immediately interrogate you, trying to find out what bank accounts you have, what other incomes you have and the assets you own. This is all in an effort to begin to levy, garnish or seize any assets the taxpayer may have. This is one of the main reasons why an IRS tax professional should contact the IRS on behalf of the financially struggling taxpayer. An IRS Tax Attorney does not have to release that personal information to the IRS. Our goal at this point is to determine if the taxpayer is in compliance with the IRS.

Everything is determined by the IRS computers and the automated collections system (ACS). The only way to be brought into compliance is by filing all years that were not filed. Depending on what the computer states, you may have to file 6 year’s worth of IRS tax returns or they may even go back to 15 year’s worth of taxes. This is why the IRS must be contacted immediately to figure out what needs to be done to bring the taxpayer back into compliance.

If there are compliance issues, the IRS will inform the tax professional or the taxpayer what taxes must be filed. It is important to prepare these taxes, but not to mail them in. They need to be faxed to the IRS so they are acknowledged in the IRS computers immediately and the processing of these returns can start within hours, not weeks or months. Normally, the IRS will not release the wage garnishment until the tax returns are at least submitted for processing to the IRS.

Our IRS Tax Attorneys Have Had Great Success in Stopping an IRS Levy Prior to Filing Missing Tax Returns

If necessary, the tax return department at Flat Fee Tax Service, Inc. can expedite the preparation of your tax returns. Once it is determined that a taxpayer is in compliance, the next thing the IRS is looking for is a resolution to the outstanding income taxes owed to the IRS. A taxpayer will either need to enter into an Installment Agreement, be declared to be Currently not Collectible (CNC) or file an Offer in Compromise settlement (OIC).

Should the financially struggling taxpayer owe more than $25,000, the IRS will request your financial information through certain IRS Forms in order to determine how much, if anything, the taxpayer can afford to pay towards the entire income tax liability. If your file is being handled in the automated collections division, an IRS 433F form (a simplified Collection Information Statement) has to be prepared and submitted along with supporting documentation. If the file is with an IRS Revenue Officer, an IRS 433A form (a detailed Collection Information Statement) has to be prepared and filed with the Revenue Officer, also along with the supporting documentation. The IRS has many years of experience in squeezing uninformed taxpayers and the IRS knows that in 90% of the cases, the wage garnishment or IRS levy is a hardship on the taxpayer, and the proper procedure is that after submitting these financials, the IRS should release the wage garnishment within hours. Unfortunately, some taxpayers try to perform this procedure by themselves. Without an experienced tax professional involved, the IRS will simply drag their feet and prolongs the taxpayer’s agony because it is the IRS’s position to take this drastic action due to the fact that the taxpayer did not comply with any of their prior requests. The IRS tax professional you chose to represent you should force the IRS to comply with the rules and regulations to have these matters expedited within hours and not weeks or months.





VERY, VERY IMPORTANT: There is a second method of having an IRS wage garnishment or IRS levy stopped, removed and released. Our IRS Tax Attorneys will initiate procedures to prove to the IRS that this IRS wage garnishment is a true and immediate hardship to the taxpayer. A hardship to the taxpayer is that housing, transportation or food expenses are at an immediate risk; i.e. if your electricity is about to be disconnected, and you can provide a statement from your service provider showing that your electricity is being shut off due to non-payment or if you are able to provide an eviction notice or foreclosure notice due to non-payment the same method applies. Asking the IRS to release the wage levy based on these facts is a very difficult task because the IRS is receiving nothing in return providing a solution to the outstanding taxes. This is an uphill fight with the IRS but the IRS is supposed to follow procedures and in most situations, the taxpayer is unable to resolve this issue without a tax professional.


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IRS Tax Relief - USA
Flat Fee Tax Service provides affordable flat fee IRS help.

IRS Offer in Compromise Settlements – Nationwide – Affordable – Flat Fee Tax Service

Flat Fee Tax Service, Inc. is your nationwide IRS Offer in Compromise tax relief team.

90% of the Offers in Compromise prepared by the IRS tax relief team at Flat Fee Tax Service, Inc. has been successful.

What is an IRS Offer in Compromise?

By filing an Offer in Compromise, you are offering to settle your tax debt and pay the IRS less than the full amount you owe. The IRS may accept your offer and allow you to pay less than your original debt, especially if there is doubt as to whether they could ever collect the full amount from you or if there is a doubt that you are actually liable for that debt.

An offer in compromise settlement is a great way to receive a fresh start and can help you save thousands of dollars off of your back tax liability.

An Offer in Compromise works in the following way:

It allows you, the financially struggling taxpayer, to make the IRS a settlement offer and then pay that amount after they have accepted your offer. In return for accepting your settlement offer, you agree to file your tax returns on time and pay any amounts due on these returns for the next 5 years. You will be on “Income Tax Probation.”

You will agree to allow the IRS to keep any refunds and credits due to you during the calendar year that your Offer in Compromise is approved.

If you do not adhere and fulfill the terms of the acceptance contract, the IRS can (and will) revoke the contract and reinstate the entire tax liability you originally owed, reinstate past penalties and tack on penalties and interest and pursue aggressive collection tactics.


The length of time to complete the Offer in Compromise process will take approximately 10 to 12 months. The preparation and providing backup documents will take approximately 1-4 months.

Your settled Offer in Compromise can be paid in monthly installments. The shorter the payment plan, the better the settlement will be.

Our knowledgeable and thorough IRS tax relief team will negotiate an Offer in Compromise for you, prepare and file the necessary paperwork, and walk you through the entire process step-by-step.

What if I Don’t Qualify for an Offer in Compromise?

We can determine, during our consultation, if you are qualified and eligible to receive a fresh start through the Offer in Compromise program. Of course, you need to be honest with us and forthcoming. We are non-judgmental and quite frankly, have heard just about every IRS problem possible.

Obviously, submitting an Offer in Compromise to the IRS is an extremely complicated process. There is a great amount of paperwork, a lot of digging for financial information, and knowledge and experience in dealing with IRS procedures.

Our IRS tax relief team will properly negotiate and prepare your Offer in Compromise and will help you drastically reduce your tax debt liability. Our consultations are always FREE and CONFIDENTIAL and we will work with you on your individual circumstances.


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1. Worldwide Service. It Does Not Matter Where You Are Located.
2. Accredited by the Better Business Bureau.
3. A-Rating with the Better Business Bureau.
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5. Experienced IRS Tax Attorneys.
6. IRS Wage Levies stopped in 1 Day.
7. 90% of our Clients Have Had Successful Offers in Compromise.
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