Guides
Every page in this section, each sourced to IRS.gov or the law.
- IRS Tax Debt Glossary in English and Spanish
Plain definitions of the words on IRS collection notices, with the Spanish term the IRS itself uses for each: levy, lien, assessment, CSED, CNC and more. - Tax Lien vs Tax Levy: The Difference, and Why It Matters
A lien is a legal claim on your property; a levy actually takes it. Which notices lead to each, what each does to you, and how each one ends. - How to Appeal IRS Collection: CDP and Appeals Program
Three different appeal routes exist for liens, levies and payment plan decisions. - IRS Scam Letters: How to Tell If an IRS Letter Is Real
The IRS usually starts with a mailed letter, never demands gift cards, and lists every real notice on IRS.gov. - Can the IRS Take Your Passport? Notice CP508C Explained
Above an inflation-adjusted threshold ($66,000 for 2026), the IRS can certify your debt to the State Department. - IRS Penalties and Interest Rate: How Your Balance Grows
Failure-to-file is 5% a month, failure-to-pay is 0.5% a month, and interest compounds daily at the quarterly rate. - Does the IRS Forgive Tax Debt? The Myth and What Is Real
There is no general IRS debt forgiveness or one-time forgiveness program. What people mean by it, and the four real ways a balance gets smaller or ends. - Offer in Compromise vs Payment Plan
A payment plan pays the full balance over time; an Offer in Compromise settles for less. Fees, eligibility, liens and the collection clock, side by side. - Currently Not Collectible vs Partial Payment Plan
CNC pauses most collection with no monthly payment; a partial payment plan takes a monthly amount that will not cover the full balance. How they compare. - Short-Term vs Long-Term IRS Payment Plan
A short-term plan pays within 180 days with no setup fee; a long-term plan pays monthly with a fee. Online limits, fees and penalties, side by side. - Lien Release vs Withdrawal vs Discharge vs Subordination
Four different IRS lien certificates: what each one does, the form or publication behind it, the Internal Revenue Code section, and when each is used. - First-Time Abatement vs Reasonable Cause
First Time Abate and the new automatic exemption look at your compliance history; reasonable cause looks at what happened. - Enrolled Agent vs CPA vs Tax Attorney: Credentials Compared
All three have unlimited rights to represent you before the IRS. Who licenses each one, what the exam covers, and how to check a credential yourself. - Tax Relief Company vs DIY vs Free Clinic vs Advocate
Four ways to deal with IRS debt: hire a company, do it yourself, use a Low Income Taxpayer Clinic, or ask the Taxpayer Advocate Service. - Bankruptcy vs Offer in Compromise for IRS Tax Debt
An Offer in Compromise is an IRS program; bankruptcy is a court case where only some taxes can be discharged. The timing rules in 11 U.S.C. - IRS Payment Plan Checklist
A printable list of what the IRS asks for before a payment plan: filed returns, your balance, a monthly amount, a payment day and bank details. - Form 433-F Checklist: Documents to Gather for the IRS
A printable list of what Form 433-F asks for: accounts, digital assets, real estate, vehicles, credit cards, income, expenses and proof. - Offer in Compromise Checklist: The Form 656-B Document List
A printable list taken from the Form 656-B booklet: the forms, supporting documents, fee and initial payment an offer in compromise package must include. - IRS Levy Notice Checklist
A printable list for after an IRS levy notice: the date on the notice, the 30-day hearing request, Form 12153, release grounds and the 21-day bank hold. - Federal Tax Lien Checklist
A printable list for after a Notice of Federal Tax Lien: hearing date, payoff amount, release, withdrawal on Form 12277, discharge and more.