Acuerdo de liquidación para particulares | Alivio inmediato
We prepare your OIC application using Form 656 and Form 433-A, documenting financial hardship, asset equity, and monthly disposable income. Acting as your authorized representative, we submit and negotiate your offer in compromise with the Internal Revenue Service based on your tax liability.
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What This Service Does
An offer in compromise is the IRS’s formal debt settlement program. When approved, it allows you to resolve your tax debt for less than the total balance due. Once the agreed amount is paid and compliance terms are met, the remaining debt is permanently forgiven.Our service is not just about helping with paperwork. We provide full legal representation before the IRS.
We file IRS Form 2848, Power of Attorney and Declaration of Representative. This authorizes us to speak to the IRS on your behalf, access your IRS transcripts and records, receive copies of IRS notices, and negotiate directly with assigned IRS personnel.
Once the IRS processes the power of attorney, they communicate with us instead of contacting you directly. You are no longer facing them alone.
The IRS decides whether to accept an offer in compromise based on what they call your reasonable collection potential. This is their estimate of what they can collect from you through enforced collection before the statute expires.
We conduct a detailed financial analysis that includes income from all sources, necessary living expenses using IRS standards, equity in assets such as homes and vehicles, business income if you are self-employed, and future earning ability. We apply IRS formulas and standards to determine the lowest defensible offer amount supported by your financial condition.
Not everyone qualifies for an offer in compromise. According to IRS.gov, to be eligible, you must be current on required tax filings, not be in an open bankruptcy proceeding, have made required estimated tax payments if applicable, and demonstrate that the IRS cannot reasonably collect the full balance.
Before preparing an application, we evaluate whether an OIC is appropriate or whether another resolution strategy would better protect you.
An offer in compromise typically includes Form 656, Form 433-A (OIC) for individuals, supporting financial documentation, and the required application fee and initial payment.Every number must be supported.
Every form must be accurate. Missing documents or calculation errors can lead to rejection. We prepare, organize, and submit the complete package on your behalf.
An IRS offer examiner assigns your case and reviews it line by line. The examiner may question expenses, recalculate income, challenge asset valuations, or propose a higher counteroffer.
We respond to all examiner inquiries, provide additional documentation when required, and negotiate the most favorable resolution supported by the facts.
If the IRS proposes rejection, you have the right to appeal to the IRS Independent Office of Appeals. We prepare and file the appeal and represent you throughout that process.
This is a full representation from start to finish.
Why This Gets Worse Without Help
IRS tax debt does not stay the same. It grows.
Penalties and interest continue to accrue. Collection notices escalate. Your options narrow over time.
Without representation, you may submit an offer that is automatically rejected, overstate your ability to pay, miss critical deadlines that trigger enforcement, or lose months while the IRS continues building its case.
Most importantly, once enforcement begins, you are negotiating from a weaker position. The IRS has already started collecting, and your leverage decreases.
Time is not neutral in IRS cases. Delay benefits the government, not you.
How the IRS Enforces This
The IRS has broad authority to collect unpaid taxes. According to IRS.gov, the IRS does not need a court judgment to levy your income or bank accounts once required notice procedures are completed.
Notice Progression
After a tax is assessed, the IRS sends a series of notices, typically including CP14 (balance due notice), CP501 and CP502 (reminder notices), CP503 (urgent reminder), CP504 (notice of intent to levy certain property), and Letter 1058 or LT11 (Final Notice of Intent to Levy and Notice of Your Right to a Hearing).
As explained on IRS.gov, once the Final Notice of Intent to Levy is issued, you generally have 30 days to respond before the IRS can legally levy your property.
Federal Tax Lien
The IRS may file a Notice of Federal Tax Lien. According to IRS.gov, this creates a legal claim against your property and rights to it. It can attach to real estate, vehicles, business assets, and financial accounts.
A lien can interfere with selling or refinancing property and may damage your credit.
Levy of Wages and Bank Accounts
After proper notice, the IRS can levy bank accounts, wages, Social Security benefits, and business receivables under the Federal Payment Levy Program.IRS.gov confirms that levies remain in place until the debt is satisfied or arrangements are made.
Passport Restrictions
Under federal law described on IRS.gov, if your tax debt is classified as seriously delinquent, the IRS may certify it to the State Department, which can deny or revoke your passport.
The IRS has powerful enforcement authority. An accepted offer in compromise can permanently resolve the debt and stop this cycle.
Who This Service Is For
You need this service if:
- You need this if you owe more than you could ever realistically repay in full.
- You need this if your income and assets are not enough to satisfy the IRS before the collection statute expires.
- You need this if you are facing wage garnishment or bank levies.
- You need this if you have received a Final Notice of Intent to Levy.
- You need this if penalties and interest have made the balance overwhelming.
- You need this if you tried to negotiate with the IRS and were denied relief.
- If you work for yourself and your business is in danger due to tax debt, you need this.
- You need this if you are on a fixed income and cannot increase your earnings.
- You need this if IRS debt is preventing you from rebuilding your financial life.
Common Mistakes People Make
Many taxpayers worsen their situation by making avoidable mistakes:
Our Representation Process
Initial Consultation and Case Evaluation
We begin with a detailed consultation to understand your full financial picture and current IRS status. We review your income, expenses, assets, liabilities, and enforcement risks. From there, we determine whether an offer in compromise is appropriate or whether another resolution option may better protect you.
Power of Attorney and Transcript Review
We file IRS Form 2848 to establish a power of attorney, allowing us to represent you directly before the IRS. We then request and analyze your IRS account transcripts to verify balances, confirm assessment dates, and identify any statute or enforcement concerns that could impact strategy.
Financial Documentation and Analysis
We gather and review all required financial documentation, including bank records, income verification, and proof of expenses. Using IRS formulas and standards, we calculate your reasonable collection potential and determine the lowest defensible settlement amount supported by your financial condition.
Offer Preparation and Submission
We prepare Form 656 and Form 433-A (OIC), along with all required supporting documentation. Every figure is reviewed for accuracy and consistency. Once complete, we submit your full offer in compromise package to the IRS with the required fee and initial payment.
Collection Hold and Protection
If enforcement is active or imminent, we request a hold on collection while your offer is under review. This can help prevent or suspend wage garnishments, bank levies, and other collection actions during the evaluation process.
IRS Examination and Negotiation
After submission, your case is assigned to an IRS offer examiner. We communicate directly with the examiner, respond to documentation requests, clarify financial issues, and negotiate on your behalf to reach the most favorable resolution supported by the facts.
Appeals Representation if Needed
If the IRS recommends rejection, we evaluate the decision and, when appropriate, file a formal appeal with the IRS Independent Office of Appeals. We present additional evidence and legal arguments to support acceptance of your offer.
Acceptance and Compliance Guidance
Once we accept your offer, we guide you through the payment terms and ongoing compliance requirements. We assist you in understanding your responsibilities to safeguard the settlement and maintain the debt resolution.
What Happens If You Do Nothing
Final Notice Period:
Within 30 days of receiving a Final Notice of Intent to Levy, you risk enforced collection if you do not respond. This is your limited window to request a hearing, arrange payment, or pursue a resolution, such as an offer in compromise, before the IRS can legally begin levy action.
Levy Action Begins:
Within 60 days, the IRS may levy bank accounts or garnish wages if no resolution is in place. Bank funds can be frozen and later sent directly to the government, and wage garnishments may continue each pay period until the debt is addressed.
Ongoing Financial Damage:
Within 90 days, continued enforcement can severely damage your financial stability. Wage garnishments may remain active, bank accounts can be depleted, and federal tax liens continue to attach to your property, limiting your ability to borrow, refinance, or sell assets.
Preguntas Frecuentes (FAQ)
Take Action Now
IRS enforcement does not wait. Penalties grow. Notices escalate. Levies happen quickly once deadlines pass.
An offer in compromise may give you a real path to resolve your debt permanently, but only if it is properly prepared and strategically negotiated.
Call us today for a confidential consultation. Let us step in, deal directly with the IRS, and work to secure the best possible resolution under the law.
Results depend on individual circumstances and IRS determinations. No outcome is guaranteed. Representation is subject to IRS rules and procedures. IRS Circular 230 Disclosure applies.