An offer in compromise (OIC) is one of the debt settlement options offered by the Internal Revenue Service (IRS). This option allows a person to make a request for a reduced tax bill. After reviewing the offer, the IRS may accept it, propose different terms, or reject it. Rejections are common because the IRS often concludes that it is possible to collect more than is offered by the debtor.
The IRS commonly tries to accommodate individuals with overdue tax bills. An offer in compromise is a settlement option that allows a person to request that the IRS lower her debt. The IRS may wholly reject an OIC. This commonly happens because the amount that a person proposes is below her reasonable collection potential (RCP). The RCP is the amount that the IRS believes that it can collect currently, over time, or in the future.
If a person’s offer is rejected, she may request another OIC for a different amount. There are no specified limits to the number of requests that can be made. It is possible that the IRS may agree that an OIC is best, but it may not agree on the terms proposed by an individual. In this instance, an IRS representative may propose new terms. When the IRS does accept an offer in compromise, the acceptance is based on one of three grounds.
The first ground for acceptance is doubt of collectability. This refers to a situation where the IRS does not predict that there is a realistic possibility of collecting the full amount due. The second ground for an OIC acceptance is doubt of liability. This refers to instances where there are questions or debates of whether the tax bill on file with the IRS is correct.
The third reason that the IRS may accept reduced settlement is for effective tax administration. This refers to a category of circumstances where individuals can show that paying the full amount would result in unfairness or undue hardship. For example, a person may have a significant amount of financial resources, but he may not be able to pay his tax bill because he is undergoing life-saving medical treatment and has no health insurance.
It should be noted that an offer in compromise is not the IRS’ preferred debt settlement option. Individuals are often encouraged to consider other options, such as payment plans. The agency also warns that taxpayers should beware of promoters’ claims that tax debts can be settled through the OIC program for so-called pennies on the dollar.
The debt of IRS tax has a few different faces. Each of the available methods of reprieve is different and depends on specific variables such as your current financial statistics, the amount you own and the fines that result from your Tax Debt. The debt of IRS tax can be solved with different relief programs which are available for all types of debt regardless of property, income, business related liabilities or employment. You can negotiate a compromise agreement with the IRS in order to get a relief on your debt. That is commonly the best possible solution because it will remove the penalties and it will also reduce the liability of the tax.
These offers are usually negotiated through a special tax attorney because of some complicated circumstances, since the taxes could be questionable or the responsible person may never be able to make the payments of the fees because of some extraordinary circumstances. Another form of debt relief for IRS tax is the payment plan, which is ideal for individuals or businesses that have assed high amounts of penalties and taxes because of miscalculations or errors in their bookkeeping. You can handle those mistakes through personal loans, which will require paying of an interest, an installment agreement, which may also include the interest or/and payment extensions. Those extensions are usually set on short term, but if there are some extenuating circumstances, the IRS may grant extensions in long term, if there is a hope for improvement in your financial situation.
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Debt forgiveness is when a creditor cancels some or all of your outstanding debt. But there’s always a catch.
Creditors won’t erase your debt just because you ask, and debt forgiveness options can be loaded with traps such as hard-to-follow rules, unexpected tax bills and damage to your credit scores.
You need to know all this because there’s a thriving industry of scam artists telling you otherwise. In their ads and email come-ons, the bad guys try to convince people drowning in debt that there are ways to escape without serious consequences. Some tout nonexistent laws such as the Credit Card Debt Forgiveness Act or the Obama Student Loan Forgiveness Program.
Knowing what the catches are can help you decide whether absolution is something you really want to pursue. If you’re struggling to manage your debt and looking for a way out, look into all your debt relief options .
Here are common debt forgiveness options, how they work and potential consequences:
Student loan forgiveness
Programs that forgive, cancel or repay education debt have been around for a while. Typically, the plans require borrowers to work in public service or specific professions such as teaching or health care in high-need, low-income areas. Other borrowers can get relief through certain volunteer programs or by serving in the military.
What changed under President Obama’s watch — and what presumably gave rise to rumors about an “Obama Student Loan Relief” program — was the extension of forgiveness to struggling borrowers regardless of their profession. Payments are reduced to reflect a borrower’s low income, and remaining balances are forgiven after 20 to 25 years of payments. The long repayment term, however, means some could pay more on their debt even with forgiveness than they would over a typical 10-year term.
Also, debt that’s erased under this and some other programs — such as employer-paid loan repayment assistance or student loan cancellation because of death, disability or school closures — is considered income to the borrower, says financial aid expert Mark Kantrowitz. So absolution comes with a tax bill.
Let’s face it. Life happens. Planning for the unexpected isn’t always feasible. That’s why there are IRS tax relief options to help you stay afloat when you feel like you’re drowning in a sea of tax debt.
Is IRS Tax Debt Relief Real?
Yes, the Internal Revenue Service (IRS) does provide relief for taxpayers. It is not, however, guaranteed. The IRS takes many things into consideration when determining your eligibility for any of its tax relief programs. This includes your ability to pay, current income and expenses, as well as your assets. If you have essentially no income, the IRS may deem your account as “Currently Not Collectible,” but this is just a temporary measure. Although you won’t be required to make payments and all collections against you will cease, the tax debt will continue to collect interest and late penalty fees. Eventually, you will need to deal with the debt. In most cases, IRS tax relief is provided through approved payment plans and/or tax debt settlement.
IRS Tax Relief Programs
Taxes are complicated. There is no “one size fits all” solution for everyone. The key is to act swiftly. Failure to address your tax debt will only result in penalties and fees. If you wait too long, the IRS may take other measures, such as garnishing your wages or placing a lien on your property. That’s why you should work with an experienced tax professional to determine which tax relief option is best for you. At Tax Defense Network, we’ve helped thousands of clients keep their heads above water. Depending on your situation, you could be eligible for one or more of the following IRS tax relief programs.
IRS Installment Agreements
Installment agreements, also known as payment plans, allow you to pay your tax debt over a set period of time, instead of a lump sum.
IRS is providing a variety of tax relief for these affected by the California Wildfires. IRS is offering a variety of tax relief for those affected by Hurricane Ida. The IRS Volunteer Income Tax Assistance (VITA) and the Tax Counseling for the Elderly (TCE) programs offer free tax help and e-file for taxpayers who qualify. For the newest updates, check the Tax Help for California Wildfire Victims page. Check the standing of your refund on-line within 24 hours after we receive your e-filed return or 4 weeks after mailing your paper return. For the most recent updates, verify the Hurricane Florence page. The latest Federal Emergency Management Agency disaster declarations. For Advance Auto Parts, the most recent Democratic proposal would mean giving up practically half of the annual reduction in its reported tax price that adopted the GOP tax-legislation rewrite four years ago, in line with an analysis for The Wall Street Journal by accounting and tax analysis firm Zion Research Group analyst Ravi Gomatam. Advance Auto largely sells automobile components by its U.S.-primarily based shops. Advance Auto Parts Inc. AAP 0.10% and Agilent Technologies Inc. A 0.12% will see their tax charges increase by a fifth beneath the sweeping tax bill proposed by congressional Democrats, but for various causes. Post has been generated by GSA Content Generator DEMO!
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- Resolve Tax Problems
- File Back Taxes
- Offer In Compromise
- IRS Levy Release
- Amended Tax Returns
- Penalty Abatement
- Payment Plans
- Stop Wage Garnishment
- Currently Not Collectible
- Audit Defense
- Settle Back Taxes
- Bank Levy Release
- Innocent Spouse Relief
- Installment Agreements
- 940 & 941 Payroll Issues
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Are you having IRS Tax issues? Owe back taxes and can’t afford to pay? Having problems with Tax Liens, Wage Garnishments, Audits or any other IRS tax related matter? If so, we can help. Nationwide Tax helps people who are experiencing federal tax and/or IRS problems. Utilizing our network of highly trained and skilled professionals – We will provide a clear and effective plan to resolve your tax problems quickly and simply.
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Looking for a fast, uncomplicated solution to your tax issues? You have come to the right place. Nationwide Tax offers very effective solutions to a variety of tax problems by utilizing the latest, proven relief programs available today. Find out if you qualify for the Fresh Start Program, Offer In Compromise or much other tax relief or reduction programs.
If you owe $20,000, you could pay.
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The IRS is not going away. Failure to pay your taxes can result in aggressive collection practices by the Government. This may include wage garnishments on your paycheck or a levy on your bank accounts. There are may other ways the IRS can collect on outstanding taxes owed. Nationwide Tax is familiar with all of the collection procedures and remedies. Our goal is to protect your assets and find a quick, affordable solution to get the IRS off your back immediately while saving you as much money as possible!
Knowledge is power – It costs nothing to find out about your options. Avoid the headaches of the IRS and Tax Debt. Learn your options and find out if you qualify for one of the customized relief programs available. We offer very effective solutions for those who qualify. Get a consultation and hear your personalized saving analysis for Free today!
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IRS DEBT SETTLEMENT HELP – Looking for an affordable way to reduce or even eliminate your back tax debt? Let our network of professionals qualify you for the latest government relief programs (at no cost) and determine which one will provide the most benefit – Find out about Tax Forgiveness programs!
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IRS First Time Penalty Abatement: How It Works
Penalties can create a huge increase in the tax debt owed by an individual or business. It can quickly turn a tax debt situation from bad to worse. Seeking professional help to better understand how an IRS first time penalty abatement works will prove beneficial.
The IRS will waive or remove (abate) certain penalties. There are 3 methods to obtain penalty abatement including, first-time penalty abatement, penalty abatement due to reasonable cause and penalty abatement due to statutory exception.
Let’s look at IRS first-time penalty abatement (FTA). The IRS may grant the FTA to relieve taxpayers from failure-to-pay, failure-to-file and failure-to-deposit penalties (certain criteria have to be met). Despite the advantages of the IRS first time penalty abatement, few taxpayers who qualify for FTA request it.
Do You Qualify for the IRS First Time Penalty Abatement?
To qualify for the FTA waiver, you must meet the following criteria:
- No history of penalties – You must not have penalties for the preceding three years
- Payment compliance – You must have paid, or arranged to pay all tax due (can be in an installment agreement)
- Filing compliance – Must have filed all required returns (or filed a legitimate extension for) all required returns. You can’t have any outstanding request for a return from the IRS
Which Penalties Does the FTA Cover?
IRS first time penalty abatement is available for three types of penalties:
- Failure-to-file (FTF) – If you fail to file or file late, the penalty is usually 5% of the taxed owed
- Failure-to-pay (FTP) – The standard FTP penalty is 0.5% a month. If the IRS issues a notice of intent to levy and you don’t respond, it increases to 1% in 10 days. If you enter into an installment agreement, the penalty falls to 0.25% a month
- Failure-to-deposit (941s) – This is concerning payroll taxes and deposits (timely, for the correct amount and in the correct manner). The penalty is 2% on deposits made 1 to 5 days late, 5% on deposits made 6 to 15 days late, 10% penalty on deposits made 16 or more days late, but before 10 days from the IRS first notice. A 15% penalty applies to all amounts still unpaid more than 10 days after the first applicable IRS notice
How to Apply for the IRS First Time Penalty Abatement
As a taxpayer, you may apply for IRS first time penalty abatement over the phone, in writing, or online. In some cases, if you qualify, the IRS removes the penalties immediately. In other cases, the IRS agrees to remove the penalties, but it does so when the tax debt is paid in full.
1. Request penalty abatement by phone.
- We call the IRS Practitioner Priority Service (PPS) at 866-860-4259 if your case isn’t being handled by a compliance unit (examination, collection, etc.)
- If your case is being managed by a compliance unit, we call the unit to request IRS first time penalty abatement.
- The IRS personnel should be able to pull your account, determine if the criteria are met and apply the FTA during the call.
- We also write a letter to confirm the over the phone conversation (we include the agent’s name, the agent’s identification number and the date of the call).
- Later, the IRS sends a letter (3502C, 3503C or 168C) by mail indicating the penalties were removed. We follow up with the IRS if you don’t receive the letter within 30 days.
2. Request penalty abatement online.
We can use the IRS e-services Electronic Account Resolution function to request for FTA. If you meet the criteria, the representatives in Accounts Management can grant an IRS first-time penalty abatement
3. Request penalty abatement by mail/ letter.
Normally, we prefer a phone call approach since the penalties can be removed quickly during the phone call. However, the penalty may be too high for the IRS to abate over the phone.
- If so, we write a letter to the IRS to request FTA on behalf of our client.
- We include all information in the request (taxpayer’s name, identification number, tax year, tax form and penalty type and amount).
- We clearly state you’ve met the IRS first-time penalty abatement criteria. We may attach transcripts proving your filing or payment compliance, a clean penalty history and a valid power of attorney (Form 2848).
Keep in Mind
can request an FTA for failure-to-file and failure-to-pay penalties.
- Business and payroll taxpayers can request IRS first-time penalty abatement for failure-to-file, failure-to-pay and/or failure-to-deposit penalties.
- Though the IRS is not explicit in its Internal Revenue Manual (IRM), in practice it has granted first-time penalty abatement for S corporation and partnership for late filing penalties.
- Estate and gift tax returns do not qualify for IRS first-time penalty abatement.
- For individual and business taxpayers, the FTA cannot cover accuracy-related waivers.
- If you have already paid the penalty, you may request a refund by filing Form 843, Claim for Refund and Request for Abatement.
- If the IRS doesn’t grant penalty relief, you have a right to take the case to appeals. The IRS can make a different decision based on other factors
- IRS first time penalty abatement only applies to one tax year/period. For example, if 2 or more tax years are being considered for penalty relief and the earliest tax period meets FTA criteria, the penalty removal will only apply to that period. All other subsequent tax years will be based on other relief options, such as reasonable cause
Need to Better Understand IRS First Time Penalty Abatement?
If penalties are mounting, it’s time to get help. At True Resolve Tax, we have professional skills and experience to resolve your tax debt. We challenge every part of your debt, including penalties, interest and tax balance. We evaluate and explain all factors qualifying you for IRS first time penalty abatement.
As IRS Enrolled Agents, we prepare and submit legal forms needed to achieve successful first-time penalty abatement. We can handle the technical aspects of penalty waivers.
Disclaimer: Blogs and articles by True Resolve Tax Professionals are for educational purposes only and to give you a general understanding of the law, not to provide legal or tax advice or be used as a substitute for competent tax and financial assistance from a licensed, professional in your state or jurisdiction.
Use all blogs and articles at your own risk. The information presented may not reflect the most current legal developments or tax laws. These materials may be changed, improved, or updated without notice. True Resolve Tax Professionals is not responsible for errors or omissions in the content of this site or for damages arising from the use or performance of this site under any circumstances.
Wondering how to create tax amendments? Here are a few tips to help you erase those tax errors.
Amending Your Tax Payments and Tax Return Errors
1. Consult With The IRS And Your Tax Preparer
Making an IRS tax payment can sometimes be tough and mistakes can definitely happen at times. If you are unsure of what to do after making a mistake, you can reach out to the IRS directly. Find the nearest Local Taxpayer Assistance Center to address your concerns, and also check your tax account on the IRS website.
You may also ask advice from your tax preparer. Additional consultations may come with a higher price. But, your tax preparer may find possible ways to lessen penalties from your IRS tax payment.
2. Make Arrangements If Your Tax Preparer Made A Mistake
If your tax preparer made a mistake or filed your taxes incorrectly, it is also very crucial that you can coordinate about amendments as soon as possible. Unfortunately, the IRS mandates that you have to be the one paying for penalties. You can contact your tax preparer to make necessary arrangements.
You may also check your contract with your tax preparer, to see if he or she can shoulder the penalties of the tax errors. Some tax preparer firms offer insurance fees for mistakes on tax returns. Reading the statute of limitations also helps. If worst comes to worst, you can file a complaint with the Office Of Responsibility at the IRS.
3. Know When To Amend
Fortunately, the IRS allows us to correct our mistakes if we make one. Remember, if the changes in your tax returns will change the taxes you are required to pay, then you need to file for tax amendments. The following cases require a formal filing of tax amendment:
• Modifications in content of necessary forms and schedules
• Changes in filing status
• Updates on the number of dependents
• Unstated changes in the amount of income earned
• Requests for claiming or removal of tax deductions or tax credits
4. Know When To Not Amend
Also, there are mistakes on tax returns that do not require filing for tax amendments. You don’t need to file an amendment if you committed these mistakes:
- Forgot to submit a supporting document
- Failed to attach a schedule or a required form
- Erroneously created math errors
The IRS will contact you in writing to request any additional files. The IRS will also automatically correct math errors in your tax returns.
5. Prepare Form 1040X
If you have confirmed that you need to file for tax amendments, you can now proceed to filling out Form 1040X. This is different from what you use for a regular IRS tax payment. Both individuals and business taxpayers are required to use this form. A tax checklist may also come in handy for you to not miss tax errors.
On the first page of Form 1040X, there are three columns. In Column A, put the amounts that you originally stated in your initial IRS tax payment. In Column C, put the corrected figures. Put all the net differences or changes between these two columns in Column B.
The second page of the form is where you put all the explanations behind the differences and the tax errors. Make sure to provide all information available.
6. Submit Form 1040X Via Certified Mail
Unlike filing for initial tax returns, tax amendments cannot be filed electronically. Send the Form 1040X to the IRS via certified mail, along with revised forms and schedules if applicable.
If you are filing amendments for more than one year, you need to file a separate form for each year. This is to properly reflect the tax errors incurred per year. If you are claiming a tax refund, you can file the Form 1040X within 3 years from the filing date of your original tax return.
7. Pay Additional Tax Or Penalties If Necessary
Once you have confirmed that you have to pay an additional IRS tax payment, do so immediately to avoid more penalties. Penalties and interest charges will stop piling up as soon as you settle your whole tax debt. You may also familiarize yourself with the different types of penalties to be more aware of them.
There are numerous ways on how to make the IRS tax payment. You can pay via check or cash. Digital methods are available too, such as the Electronic Funds Transfer System (EFTS) or via credit card.
After paying, remember to always store a copy of your amended tax return and tax payment. These may come in handy just in case IRS asks for proof of payments.
8. File An Amended State Return If Necessary
Aside from amending your Federal tax return, you may also need to file for a State return to reflect the Federal changes. File the State return amendment as soon as you submitted your IRS tax return amendment to avoid additional interests and charges your State may impose. Filing your State tax amendment early may also help you claim your State tax refund faster, too.
9. Track The Status Of Your Tax Amendment Form
You can track the status of your amendment return at least 3 weeks after you filed it through the IRS website. You can also call 866-464-2050. Processing time may take up to 16 weeks.
Always remember that the IRS will first reach out to you via mail. The IRS will never contact you via social media or text messages. There are reported incidents where people are victimized by scammers pretending to be IRS authorities on the phone, so be wary.
Here’s a guide on how you can file for your own taxes.
Filing for tax amendments may seem intimidating. Penalties and other charges may sometimes magically multiply themselves. But at the end of the day, there may be different treatment options you can choose from. As long as you follow the IRS’ required procedures, you can erase those tax errors in no time.
How do you avoid tax errors? Share your tips in the comments below!
Home » Debt Management » 5 Easy Ways to Achieve Tax Debt Reduction
5 Easy Ways to Achieve Tax Debt Reduction
Everyone is required to file a tax return form once a year, and sometimes people pile on tax debt until they are “up to their necks” in it. If this sounds like you, then you will need to take certain steps towards tax debt reduction.
Unfortunately, many people are at a complete loss when it comes to resolving their tax debt issues. There are a couple of easy steps, discussed below, and all of them are more pleasant than the alternative of having to go to prison for tax evasion!
A common reason for why people decline to file tax returns is because of financial hardships, which can occur for a number of reasons. If you find yourself in such a situation, you may be able to qualify for a hardship agreement by filling out IRS Form 443A.
The IRS will then look into whatever is preventing you from paying up and calculate how long it will probably last. If they approve the form, they will order a halt to any further collection activity from you for the time being. However, you will still have to pay those taxes eventually, unless the hardship lasts for more than ten years.
5 Tips for Tax Debt Reduction
A compromise offer is the form of debt reduction from tax that you turn to if you owe too much to be able to pay it all within a reasonable amount of time. In order to convince the IRS that such is indeed the case with you, you will need to file the necessary paperwork and pay a fee of $150 for the task of reviewing.
You will also have to make a reasonable offer for a debt consolidation or settlement if you want the IRS to even consider it. If they do, then the next thing to do is to fill out Form 656 and return it with all necessary attachments plus the amount of payment due.
As with all cases in which money is owed, taxes call for payment of interest when not paid on time. Another debt reduction plan, called penalty abatement, is appropriate for cases when you have a valid reason—again, natural disasters and acts of terrorism are perfectly good ones. For this you fill out Form 843, and the IRS will reduce or even eliminate the amount of money you owe in penalties.
Hire a Good Lawyer
Hiring the right tax lawyer can spell the difference between winning and losing a battle with the IRS. The local bar association can recommend one, and the yellow pages will also help. It is essential, to be proactive in this area. Finding a tax lawyer even before you need one is important, so that person will know your financial situation before the IRS comes after you.
You may not be able to afford a lawyer’s fees. (No surprise there, given the financial difficulties that you may be currently struggling with!) In that case you will need a free attorney. To find one, contact your local legal aid office and ask whom they would recommend. Also seek aid from an IRS office near you. If possible, try and enlist one who has previously worked for the IRS or has been hired for many cases.
Where to Go on the Web
Tax debt reduction is also available on the Web. One place that you can go to is Tax Relief Source. The first thing to do is to fill out the form there, which includes the amount of money you owe, whether it is on the federal or state level, and your primary tax problem.
The last box consists of a pull down menu with nine options, among them “assets seized,” “wage garnishment,” “innocent spouse,” and “bank account levy.” The company provides much advice on how proceed, including how to get a competent tax lawyer and how to get wage garnishments and bank account levies stopped. The clients who have used the services of this company have testified to its effectiveness in keeping the IRS out of their lives.
These tips will most definitely help you during your tax debt reduction journey.