The CuraDebt Tax Team: Getting Clear On Your IRS And State Tax Options

The tax team helps you get a clear picture of IRS and state back taxes: how much you owe across years, which relief programs realistically fit your situation, what any notices mean, and what to do about liens, levies, penalties, or unfiled returns. The goal is to replace guesswork with a short, relevant list of options.

An Offer in Compromise is an IRS program that lets you settle your tax debt for less than the full amount when you genuinely cannot pay it in full and the IRS agrees it is the most it can expect to collect. Whether you qualify depends on your income, expenses, and assets, so not everyone is eligible.

Yes. An installment agreement lets you pay your tax debt over time in monthly amounts instead of a lump sum, which stops the pressure of a full-balance demand and keeps you in good standing. The right structure depends on how much you owe and what you can afford each month.

In some cases, yes. Penalty abatement can remove or reduce certain penalties, often for a first-time issue or where you had reasonable cause, such as a serious illness or a disaster. Removing penalties can meaningfully shrink your total balance, so it is worth checking whether you may qualify.

Currently not collectible is a temporary status the IRS may grant when paying anything toward your tax debt would leave you unable to afford basic living expenses. It pauses active collection while your finances recover. Interest can still accrue, but it can be an important lifeline during hardship.

Act quickly. A levy or wage garnishment notice carries deadlines, and your options to stop or reduce it narrow the longer you wait. The first step is understanding exactly what the notice means and how fast you must respond, then moving on the relief path that fits before the window closes.

Usually, yes. The IRS generally expects you to be current on your filings before it will approve relief programs like an Offer in Compromise or an installment agreement. Getting unfiled returns caught up is often the gate that opens the rest of your options, so it is a common first step.

Yes. Many people owe both the IRS and a state tax agency, and state debts come with their own rules, notices, and deadlines. The tax team helps you understand the full picture across both so you are not solving one and overlooking the other.

Checking what you may qualify for is free and takes about two minutes. You share the basics of what you owe and any notices you have received, and you get a clear read on the resolution paths that realistically fit, with no obligation to proceed.

CuraDebt is a free service that reviews the information you submit and matches you with an independent tax relief firm suited to your situation; CuraDebt is not a law firm and does not itself perform the tax work or give legal advice. You are never obligated to move forward, and you can compare what you learn before deciding anything.