Offer in Compromise

Settle Your Tax Debt for Less, If You Qualify.

An Offer in Compromise lets some taxpayers settle with the IRS or California FTB for less than the full amount owed. We review your finances honestly, tell you whether you're a real candidate, and prepare a strong offer if you are.

Honest qualification review before you spend a dollar on an offer
Complete, well-documented offer package
Better options suggested if an offer isn't right for you

Free Qualification Review

Find out if you qualify, at no cost.

Tell us what you owe and your monthly income and expenses. We'll give you a straight answer.

Call (833) 540-1040 Request a Free Review

*Not everyone qualifies. Acceptance is decided by the IRS or FTB, and no result can be guaranteed.

Know the Basics

How an Offer in Compromise Works

The IRS looks at what it could realistically collect from you. If that's less than what you owe, an offer may make sense.

Form 656

The IRS offer application, filed with detailed financial statements and proof.

20%

Lump-sum offers generally require 20% of the offer amount paid with the application.

All filed

You generally must have all required tax returns filed before the IRS will consider an offer.

What We Handle

From Review to Decision

An offer is only as strong as the paperwork behind it.

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Qualification Review

We compare what you owe to what the IRS could collect, before you apply.

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Financial Statements

Income, expenses, and assets documented the way the IRS expects.

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Offer Preparation

A complete Form 656 package with a well-supported offer amount.

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California FTB Offers

Help with the Franchise Tax Board's own offer in compromise program.

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Missing Returns First

We file any unfiled years so your offer can be considered.

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Other Options

Not a fit? We'll set up a payment plan or hardship status instead.

How It Works

Our Offer Process

Free Review

We look at what you owe, your income, expenses, and assets.

Honest Answer

We tell you whether an offer makes sense, or what will work better.

Build the Offer

We prepare and document your offer package and file it.

Follow Through

We answer IRS questions and follow up until there's a decision.

Checklist

What to Bring

An offer needs a full picture of your finances. Bring what you can and we'll help with the rest.

Don't email financial documents. We'll send you a secure link to upload them after your free review.

IRS or FTB notices showing what you owe
Recent pay stubs or proof of income
Several months of bank statements
Monthly bills: housing, car, utilities, insurance, medical
Statements for retirement accounts, vehicles, and property
Your recent tax returns

FAQs

Common Questions

Will the IRS really settle for less?

Sometimes. The IRS generally accepts an offer when it equals what it could realistically collect from your income and assets. Many people don't qualify, which is why we review your numbers honestly before you apply.

Who usually qualifies?

People whose income and assets aren't enough to pay the debt within the time the IRS has to collect. If you have significant equity or income left after basic expenses, a payment plan may be a better fit.

What happens while my offer is being reviewed?

The IRS generally pauses most collection while a valid offer is pending. You still need to file and pay current taxes on time during the review.

Does California have its own program?

Yes. The Franchise Tax Board has a separate offer in compromise program for state tax debt, with its own forms and rules.

How much does it cost?

The qualification review is free. If an offer makes sense, we'll give you a flat quote before we start. The IRS also charges its own application fee, which can be waived for qualifying low-income taxpayers.

Find Out If You Qualify

Get an honest, free review of your tax debt. If an offer isn't right, we'll show you what is.

Call (833) 540-1040 Book an Appointment

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