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Compare IRS payment options and tax-debt help
Take the next step toward resolving your tax bill. Review IRS payment options and compare professional help for working through tax issues.
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Questions before you decide
What should I do if I cannot pay my taxes in full?
File the return on time if you can, pay what you can, and use IRS.gov to compare payment options. Depending on eligibility, the IRS may offer a short- or long-term payment plan, temporary collection delay, penalty relief, or an offer in compromise. Interest and applicable penalties can continue on unpaid tax.
Can I set up an IRS payment plan online?
Many individuals can apply online, but eligibility, balance limits, fees, and payment terms vary. Start with the IRS payment-plan information or your online account rather than a third-party ad. A payment plan is an agreement to pay over time; it does not erase the tax debt, and interest and penalties may still apply.
Will the IRS settle my tax debt for less than I owe?
An Offer in Compromise can settle eligible tax debt for less than the full amount, but it is not a routine discount. The IRS considers ability to pay, income, expenses, and asset equity. Explore payment options first and use the IRS pre-qualifier; submitting an offer does not guarantee acceptance.
Do I need to file all of my returns before requesting tax-debt relief?
Usually, yes. The IRS states that payment plans and many relief options require required returns to be filed. An Offer in Compromise also has filing and payment-compliance requirements. Gather notices, return records, income information, and a realistic household budget before you evaluate a resolution path.
Can the IRS temporarily stop collection if I cannot pay?
The IRS may temporarily delay collection when financial hardship means you cannot pay, but the balance does not disappear and interest and penalties can continue. Use the IRS Tax Debt Help tool or contact the IRS to discuss your circumstances. A temporary delay should be compared with a payment plan and other options.
Should I hire a tax-debt company?
Start with the IRS’s free Tax Debt Help tool and your IRS online account. If your facts are complex, verify a professional’s credentials, written scope, fees, and which IRS program they recommend. No representative can promise an offer will be accepted or a collection action will disappear; avoid companies that make guarantees before reviewing your facts.
