IRS & NY Tax Debt Help NYC | Payment Plans, Penalty Relief

Start with the 10-minute tax debt check. Answer a few questions and upload your letters, and a CPA calls you within one business day. Start the tax debt check →

How it works

1. Free 15-minute call. Send photos of every IRS or New York State letter. We tell you how urgent it is.
2. Power of attorney. You sign IRS Form 2848 and New York Form POA-1, so the IRS and the state call us, not you.
3. Tax debt review ($400). We pull your account and income transcripts and give you a written plan with the total owed, deadlines, and your options. The $400 is credited toward the work if you go ahead.
4. Get current. The IRS will not agree to a plan until every required return is filed. We prepare any missing years.
5. Resolve it. We request penalty relief, set up the payment plan, or file an offer when your numbers qualify, then keep you compliant so the deal holds.

Options we use

Penalty relief: first-time abatement removes many late-filing and late-payment penalties if your prior three years are clean. Reasonable-cause relief covers illness, a death in the family, or a disaster.
Payment plans: monthly installment agreements with the IRS and New York State, sized to what you can actually pay.
Hardship status: if your income does not cover basic living costs, the IRS can pause collection.
Offer in compromise: settling for less than the full balance. It is approved only when your assets and future income cannot cover the debt, so we run the numbers before you pay a filing fee.

Got a final notice?

An IRS LT11, Letter 1058 or CP90 gives you 30 days to request an appeal before levies on your bank account or wages. New York State can file a tax warrant, garnish wages and suspend your driver's license for past-due tax over $10,000. Call (516) 518-6678 the day the letter arrives.

We do not promise "pennies on the dollar." We tell you what the IRS is likely to accept before you spend money.

Our posted prices

Tax debt review: transcripts + written plan	$400, credited toward any service below
Penalty removal request	starting at $500
IRS or NY payment plan	starting at $750
Final notice / levy emergency	starting at $750
Offer in Compromise	starting at $3,000
Each unfiled year: personal / business return	starting at $300 / starting at $1,000

Each service is priced in writing before work starts. The $400 review is credited toward any of them. You get an exact quote in writing before any work starts. Full price list

Common questions

Can the IRS really settle for less than I owe?

Sometimes. An offer in compromise is accepted only when your assets and future income cannot pay the debt. Most people end up with penalty relief and a payment plan instead, and we tell you which fits before you pay any IRS filing fee.

How much does tax debt help cost?

The review is $400 and is credited toward the work. Penalty removal starts at $500, a payment plan at $750, a final-notice or levy emergency at $750, and an offer in compromise at $3,000. Missing returns are $300 per personal and $1,000 per business return, starting prices.

Will the IRS take my paycheck or bank account?

Only after a final notice. If you received one, there is a 30-day window to request an appeal that pauses collection. Call us right away.

Do you handle New York State tax debt too?

Yes. We handle the New York State Department of Taxation and Finance alongside the IRS, including installment payment agreements and tax warrants.

Tax Debt Help for New Yorkers Who Owe the IRS or New York State