Tax Debt Relief,
that actually works.
Owing back taxes to the IRS is stressful — but there are legitimate programs designed to help you resolve your debt for less than you owe. Our AI Legal Nerds guide you through every relief option available for your specific situation.
Tax Debt Relief Programs
The IRS offers several legitimate programs to help taxpayers resolve their debt. Our AI helps you identify which programs you qualify for.
Offer in Compromise (OIC)
The IRS's most powerful relief program — settle your entire tax debt for less than you owe. Qualification depends on your ability to pay, income, expenses, and asset equity. Our AI pre-qualifies you and guides you through Form 656.
Installment Agreement
Pay your tax debt in monthly installments you can afford. Short-term agreements (up to 180 days) and long-term agreements (up to 72 months) are available. Penalties and interest continue to accrue but collection actions stop.
Currently Not Collectible
If paying your tax debt would prevent you from meeting basic living expenses, the IRS can temporarily halt collection activity. This does not eliminate the debt but stops levies and garnishments while you get back on your feet.
Penalty Abatement
If you have a good compliance history, you may qualify for First Time Penalty Abatement — eliminating failure-to-file and failure-to-pay penalties. Reasonable cause abatement is also available for circumstances beyond your control.
Innocent Spouse Relief
If your spouse or ex-spouse created the tax debt without your knowledge, you may qualify for innocent spouse relief — separating your liability from theirs. Three types of relief are available depending on your situation.
Bankruptcy Discharge
Certain older income tax debts can be discharged in bankruptcy. Specific timing and filing requirements must be met. Our AI analyzes whether your tax debt qualifies and how bankruptcy might interact with your overall financial situation.
⚠️ Beware of Tax Relief Scams
Companies that promise to settle your tax debt for "pennies on the dollar" are often scams. The IRS Offer in Compromise program is real — but most people do not qualify, and the process is complex.
Never pay large upfront fees before any work is done
Be skeptical of guaranteed outcomes — no one can guarantee IRS acceptance
Verify credentials — only CPAs, tax attorneys, and enrolled agents can represent you before the IRS
LegalNerds gives you honest assessments — if you do not qualify for OIC, we tell you
Find out what you actually qualify for
Get an honest AI assessment of your tax relief options — no false promises, no upfront fees.