No pagar su obligación tributaria puede derivar en multas crecientes y recaudaciones forzosas. Una oferta de compromiso (OIC, por sus siglas en inglés) es un programa del IRS que permite a los contribuyentes que reúnen los requisitos saldar sus deudas tributarias federales por un monto inferior al total adeudado. Nuestros profesionales con licencia lo guían en cada paso para maximizar sus ahorros y garantizar una resolución definitiva.
Una oferta de compromiso es un acuerdo formal entre usted y el IRS para liquidar su saldo tributario pendiente por un monto reducido. El IRS evalúa su Razonable Cobro Potential (RCP)—en función de los ingresos, los gastos y la equidad de los activos— y acepta una oferta cuando represente lo máximo que la agencia puede recaudar de manera realista.
Auditamos sus transcripciones y avisos del IRS, sin costo alguno, para confirmar la elegibilidad para la OIC.
Calculamos su potencial de cobro razonable e identificamos los gastos de manutención permitidos.
Completamos el formulario 656 (oferta de compromiso) y el formulario 433-A/B, y reunimos la documentación de respaldo por dificultades económicas.
Presentamos su paquete de OIC, manejamos las consultas del IRS y negociamos los términos en su nombre.
Supervisamos la correspondencia del IRS, respondemos a las apelaciones y presionamos para que se acepte a tiempo.
Confirmamos el procesamiento del pago y verificamos que no queden más acciones de cobro en tu cuenta.
An Offer in Compromise is a settlement option for taxpayers facing economic hardship who cannot pay the full debt. The program allows the IRS to accept less than the full liability while still collecting what is reasonable.
By providing accurate financial disclosure, including income and living expenses, taxpayers can show that paying the original debt in full would be unfair or impossible.
Doubt about collectibility applies when taxpayers lack resources to pay within a reasonable period. This compromise program focuses on whether the IRS can recover the full balance based on income and assets.
Doubt as to liability arises when taxpayers dispute the accuracy of a legal assessment. In such cases, the IRS evaluates whether errors or miscalculations justify reducing the tax debt.
Yes, taxpayers can submit one IRS offer that covers multiple tax periods and obligations. This option allows settlement of different years at once, making it easier to resolve long-standing debts.
All required tax returns and estimated payments must be filed before the IRS evaluates the request. The settlement terms typically involve an initial payment, monthly payments, or, in some cases, an installment agreement.
Collection protection begins when the IRS accepts a complete package, including the application fee and any initial payment. From that date, levies and garnishments are suspended while the proposal is reviewed.
Processing can take 6 to 24 months, depending on complexity. During this time, interest may continue to accrue until the offer is finalized or a final court decision is reached.
Applicants must provide detailed financial disclosure, including tax returns, bank statements, and records of living expenses. Business owners may also need to submit financial data from the two preceding quarters.
The IRS evaluates this information to determine whether the offer reflects the taxpayer’s reasonable collection potential. Missing documentation may result in delays or a return letter requesting additional information.
The process may last 6 to 24 months, depending on the case. Simple cases with low-income certification may even be automatically accepted if requirements are met.
If approved, the IRS issues an acceptance letter confirming the terms. If the IRS rejects the offer, a rejection letter and an appeal period for the taxpayer to respond will be sent.
Professional guidance is strongly recommended. Advisors can structure an installment agreement or offer in compromise to fit your financial circumstances. They also prepare a written statement explaining hardship, calculate an estimated date for resolution, and ensure compliance with all legally required steps.
With professional help, taxpayers increase their chances of approval and avoid costly mistakes that may lead to denial.
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