Offer in Compromise (Settle IRS Tax Debt)
An Offer in Compromise (OIC) is a program that may allow you to settle IRS tax debt for less than the full amount owed—but not everyone qualifies. We help you determine whether an OIC is realistic, get you in compliance, and prepare a strong offer supported by the right documentation.
Is this you?
- You owe the IRS more than you can realistically pay.
- You’ve heard “settle for less” but don’t know if it’s real for your situation.
- You’re worried about bank levies, wage garnishments, or liens.
- Your income is limited (or your expenses are high) and payments feel impossible.
- You want an honest answer on whether an OIC is realistic—before wasting time or money.
What an IRS Offer in Compromise Actually Is
An Offer in Compromise is a formal proposal to the IRS to settle your tax debt for less than you owe when the IRS agrees it’s unlikely to collect the full balance. The IRS looks at your income, expenses, assets, and overall ability to pay when deciding whether to accept an offer.
Many people don’t qualify—and the worst approach is submitting a low offer without the right support. We focus on giving you a realistic recommendation first, then building the strongest submission possible if an OIC makes sense.
Here’s how it would work:
- Eligibility review (is an OIC even realistic?)
- Compliance check (missing filings can block an offer)
- Offer amount calculation + documentation package
- Submission + IRS negotiation + follow-through
HOW WE HELP
What We Do
- Pull IRS transcripts and confirm exactly what’s owed and for which years.
- Verify filing compliance and help address missing returns if needed.
- Analyze income, allowable expenses, and assets to estimate a realistic offer range.
- Prepare the OIC package (forms, documentation, financial support).
- Submit the offer, communicate with the IRS, and respond to requests until a decision is made.
- If an OIC isn’t realistic, we map the best alternative (payment plan, CNC, etc.).
Our Simple Process
- Step 1: Free consultation. Quick overview of your situation and goals.
- Step 2: Transcript + compliance review. Confirm missing years, balances, and IRS status.
- Step 3: Eligibility + offer estimate. We tell you whether an OIC is realistic and why.
- Step 4: Build + submit. We prepare the offer package and submit to the IRS.
- Step 5: Negotiate + finish. We handle IRS follow-ups and guide you through acceptance or alternatives.
Find Out If You Qualify for an Offer in Compromise
Get an honest, realistic recommendation—no hype.
Why Choose Us
BBB A+ Rating — Trusted and reliable.
Money-Back Guarantee on Offer in Compromise.
10+ Years of Tax Resolution Experience.
Boutique, 7-person team (not a call center). You’ll work with real tax professionals who know your case, not a rotating pool of sales reps.
IRS-only, nationwide practice. We focus on IRS tax problems every day and help clients across the country resolve back taxes and get compliant.
Frequently Asked Questions
Can I really settle IRS tax debt for less than I owe?
Yes, sometimes. But the IRS only accepts Offers in Compromise when they agree the full balance is unlikely to be collected. We’ll tell you candidly whether an OIC is realistic in your situation.
Who qualifies for an Offer in Compromise?
Eligibility depends on your income, expenses, assets, and overall ability to pay. Many people don’t qualify—especially if they can pay the balance through other means.
Do I need to be current on filing taxes to submit an OIC?
In most cases, you must be in filing compliance (and often current on required payments) before the IRS will consider an offer. If you’re behind, we help you get caught up first.
How long does the OIC process take?
It varies. Many offers take months due to IRS review timelines and follow-up requests. We’ll give you a realistic expectation after we review your situation.
What if an OIC isn’t the right option for me?
That’s common. If an offer isn’t realistic, we’ll help you pursue the best alternative—like an installment agreement, hardship status (CNC), or penalty relief where appropriate.
Real Results for Real Clients
- Owed ~$129,000 in back taxes; settled for $6,600 through an Offer in Compromise.
- Stopped a wage garnishment within 24 hours and put a client on an affordable resolution path.
- Resolved over $48,000 in IRS debt for $2,400 with a carefully documented settlement.
- Filed multiple years of unfiled returns and cleared penalties for a self-employed client who had avoided the IRS for years.
- Settled a large IRS balance for a fraction of the amount owed through an Offer in Compromise.
- Prepared a complete offer package with supporting financial documentation and handled IRS follow-ups through acceptance.
Results vary; every case is unique.