Whether you haven't filed in a few years or you owe more than you can pay, there's almost always a path forward — and it usually starts with someone walking you through it in plain English instead of jargon and scare tactics.
Get caught up, year by year, without guessing what the IRS already knows.
Understand your real options and get the paperwork done right.
A plain-English rundown of the IRS's main relief options.
The longer unfiled returns sit, the more the IRS relies on its own estimate of what you owe — usually the worst-case version, with no deductions applied. Getting your own accurate returns filed is almost always better than leaving that estimate on the books.
With your authorization, I can pull your IRS wage and income transcripts directly — so we're working from what the IRS actually has on file for you, not guesswork.
Old W-2s and 1099s gone? Between transcripts and whatever records you do have, I reconstruct what's needed to file an accurate return for each missing year.
Each year gets filed properly, bringing you back into compliance — which is also the required first step before most IRS payment or settlement programs will even consider your case.
This is about federal and state tax debt specifically — not credit cards, medical bills, or other consumer debt, and not bankruptcy. If you owe the IRS or your state, here's how I can help:
"Fresh Start" isn't one single program — it's a set of IRS initiatives that made it easier for people to resolve tax debt. Here are the main options, in plain English. Not everyone qualifies for every option; a big part of my job is figuring out which one actually fits your numbers.
A monthly payment plan that pays your full balance over time. The most common option, and usually the most straightforward to set up.
A monthly plan too — but sized to what you can actually afford, even if it won't fully pay off the balance before the collection period ends.
Settling your tax debt for less than the full amount owed. This has strict IRS financial qualification standards — it's not available just because you'd prefer to pay less, and I'll tell you honestly if your numbers don't support one.
Reduces or removes penalties (not the underlying tax) when you have reasonable cause, or in some cases a clean prior filing history.
If paying anything right now would leave you unable to cover basic living expenses, the IRS can pause active collection temporarily. The debt doesn't disappear, but the pressure does, for a while.
We'll talk through your situation, what you owe (or might owe), and which of these options realistically fits — no pressure, no jargon.
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