Written by Scott Allen

IRS Past Due taxes Owed in Gilbert AZ

Gilbert AZ IRS Past Due Taxes Owed: How Scott Allen EA Helped Jacob Reduce IRS Penalties and Set Up an Affordable Payment Plan

For many taxpayers, discovering that years of unpaid federal taxes have accumulated into a significant IRS balance can be overwhelming. Interest continues to accrue, penalties increase month after month, and the fear of wage garnishments, bank levies, and aggressive IRS collection activity often causes taxpayers to delay taking action. Unfortunately, waiting almost always makes the situation worse.

Fortunately, taxpayers in Gilbert, Arizona have experienced that there is a better solution. Professional IRS representation can often stop collection activity, reduce certain penalties, and negotiate affordable payment arrangements that fit within a taxpayer’s financial circumstances.

One recent example involved Jacob, a Gilbert-area taxpayer who had fallen behind on his IRS obligations. After receiving IRS notices showing a growing balance, he contacted Scott Allen, EA, of Tax Debt Advisors, Inc. for professional representation. Through proper IRS negotiations and experienced tax resolution strategies, Scott successfully reduced substantial IRS penalties and placed Jacob into a manageable IRS payment plan, allowing him to move forward with confidence.

Gilbert AZ IRS Past Due Taxes Owed Can Quickly Become Expensive

Many taxpayers are surprised to learn that the original amount of tax owed is often only part of the problem.

When federal taxes remain unpaid, the IRS generally adds:

  • Failure-to-file penalties
  • Failure-to-pay penalties
  • Daily compounded interest
  • Additional collection notices
  • Possible federal tax liens
  • Potential bank levies
  • Wage garnishments
  • Refund offsets

Over time, these additional charges can dramatically increase the total balance owed.

For residents searching online for Gilbert AZ IRS past due taxes owed, it is important to understand that early professional representation can often prevent the situation from escalating.

Jacob’s IRS Tax Problem

Jacob had accumulated unpaid IRS tax debt that had become increasingly stressful. Like many taxpayers, life circumstances caused him to fall behind, and before long the IRS began sending collection notices demanding payment.

The balance continued to grow because penalties and interest were being added.

Jacob knew he needed professional help before the IRS collection process became even more aggressive.

Instead of attempting to negotiate with the IRS on his own, he contacted Scott Allen EA of Tax Debt Advisors, Inc.

Scott immediately began reviewing Jacob’s IRS account transcripts, prior tax filings, and the notices the IRS had issued. After carefully evaluating the account, Scott determined there were opportunities to significantly improve Jacob’s situation.

Professional IRS Representation Makes a Difference

One of the biggest advantages of hiring an Enrolled Agent is that the taxpayer no longer has to face the IRS alone.

After Jacob signed IRS Form 2848 Power of Attorney, Scott Allen became authorized to communicate directly with the IRS on Jacob’s behalf.

This accomplished several important objectives:

  • IRS communications were directed through Scott.
  • Jacob no longer had to negotiate with IRS representatives himself.
  • Scott obtained complete IRS account information.
  • Collection options could be evaluated professionally.
  • Penalty relief opportunities could be identified.
  • Affordable payment options could be negotiated.

Having an experienced tax professional involved often results in significantly better outcomes than attempting to resolve complex IRS matters without representation.

Reviewing the IRS Assessment

After reviewing Jacob’s IRS account, Scott determined that a substantial portion of the balance consisted of IRS penalties rather than actual tax.

Many taxpayers are unaware that certain IRS penalties may qualify for reduction or removal depending upon the circumstances.

Scott carefully analyzed Jacob’s account history and determined that penalty relief could substantially reduce the amount Jacob ultimately owed.

This became a key part of the overall resolution strategy.

Successfully Reducing IRS Penalties

One of the most valuable aspects of professional IRS representation is identifying opportunities to reduce unnecessary penalties whenever the law allows.

Scott prepared and presented the appropriate information to the IRS requesting penalty relief.

The IRS ultimately agreed to significantly reduce Jacob’s assessed penalties.

As shown in the IRS Notice CP22A, the IRS made important adjustments to Jacob’s account, including:

  • Original balance exceeding $40,000
  • Failure-to-file penalties reduced by more than $26,000
  • Interest adjustments also applied
  • Remaining balance reduced to approximately $13,700

This dramatic reduction illustrates how experienced IRS representation can produce meaningful financial savings when appropriate relief provisions apply.

Instead of facing over $40,000 in IRS debt, Jacob’s balance was reduced to a far more manageable amount.

Gilbert AZ IRS Past Due Taxes Owed

Gilbert AZ IRS Past Due Taxes Owed

Creating an Affordable IRS Payment Plan

Even after the penalty reduction, Jacob still owed the remaining tax liability.

Rather than requiring full payment immediately, Scott negotiated an IRS installment agreement that allowed Jacob to pay the remaining balance through affordable monthly payments.

An IRS payment plan provides several important advantages:

  • Monthly payments fit within the taxpayer’s budget.
  • Collection pressure is greatly reduced.
  • Taxpayers avoid scrambling to pay a large lump sum.
  • Compliance becomes much easier.
  • Financial stability improves.

For many taxpayers facing Gilbert AZ IRS past due taxes owed, an installment agreement represents one of the most practical solutions available.

Why IRS Payment Plans Are Often the Best Solution

Many taxpayers believe the IRS expects immediate payment of the full balance.

In reality, the IRS understands that many taxpayers cannot pay their tax debt all at once.

If the taxpayer qualifies, an installment agreement allows payments to be spread over time.

Scott Allen works with clients to determine the payment option that best fits their financial circumstances while maintaining compliance with IRS requirements.

A properly negotiated payment plan can prevent more aggressive IRS collection actions while giving taxpayers realistic monthly payments they can comfortably afford.

The Value of Hiring an Enrolled Agent

An Enrolled Agent (EA) is federally licensed by the U.S. Department of the Treasury and authorized to represent taxpayers before the Internal Revenue Service.

Unlike many tax preparers, an EA has unlimited representation rights before the IRS.

Scott Allen EA routinely assists clients with:

  • IRS payment plans
  • Penalty abatement requests
  • IRS collection notices
  • Wage garnishment issues
  • Bank levy resolutions
  • Back tax filings
  • IRS account transcript analysis
  • Tax lien issues
  • IRS negotiations
  • Collection alternatives

Having an experienced professional who understands IRS procedures often makes the resolution process far less stressful.

Common Reasons Taxpayers Fall Behind

Jacob’s situation is far from unusual.

Many hardworking taxpayers find themselves behind with the IRS because of circumstances beyond their control.

Common reasons include:

  • Loss of employment
  • Self-employment income without estimated tax payments
  • Medical emergencies
  • Divorce
  • Business losses
  • Financial hardship
  • Late tax filings
  • Unexpected tax balances
  • Payroll withholding issues

Regardless of the reason, the important thing is taking action before the IRS collection process becomes more serious.

The IRS Collection Process

When taxes remain unpaid, the IRS generally follows a progression of collection efforts.

This often includes:

  1. Balance due notices
  2. Additional reminder notices
  3. Collection letters
  4. Final Notice of Intent to Levy
  5. Federal tax lien filings
  6. Wage garnishments
  7. Bank levies
  8. Seizure actions in severe cases

Professional representation early in this process often provides the greatest number of resolution options.

Why Waiting Usually Costs More

Every month an IRS balance remains unpaid, additional interest generally continues to accrue.

In many cases, penalties continue increasing as well.

The longer taxpayers wait:

  • Balances grow larger.
  • Collection actions become more likely.
  • Resolution becomes more expensive.
  • Financial stress increases.

Jacob made the right decision by seeking professional assistance before the situation became even worse.

Tax Debt Advisors, Inc. Provides Personalized IRS Solutions

Every taxpayer’s IRS situation is different.

Scott Allen does not believe in one-size-fits-all solutions.

Instead, each client’s financial situation is carefully reviewed before recommending an IRS resolution strategy.

Possible solutions may include:

  • Installment agreements
  • Penalty abatement
  • Currently Not Collectible status
  • Offer in Compromise (when appropriate)
  • IRS account corrections
  • Collection appeals
  • Tax return preparation
  • IRS representation

Jacob’s case demonstrated that significant penalty reductions combined with an affordable payment plan provided the most practical solution.

Peace of Mind After IRS Resolution

One of the greatest benefits Jacob experienced was peace of mind.

Instead of worrying about growing IRS debt every day, he knew:

  • His IRS account had been professionally reviewed.
  • Penalties had been substantially reduced.
  • Monthly payments were affordable.
  • He had a clear plan moving forward.
  • IRS communications were handled professionally.

This allowed him to focus on his family, career, and financial future instead of constantly worrying about IRS collection activity.

Searching for Gilbert AZ IRS Past Due Taxes Owed?

If you are searching online for Gilbert AZ IRS past due taxes owed, you do not have to face the IRS alone.

Whether you owe taxes from one year or multiple years, professional representation can often identify opportunities to reduce penalties, negotiate manageable payment arrangements, and help you regain control of your finances.

As Jacob’s successful case demonstrates, seeking experienced representation early can make a substantial difference. By working with Scott Allen EA of Tax Debt Advisors, Inc., Jacob was able to reduce significant IRS penalties, lower his overall balance from more than $40,000 to approximately $13,700, and resolve the remaining liability through a simple and affordable IRS payment plan.

Every IRS case is unique, but with knowledgeable representation, many taxpayers discover there are more options available than they initially realized. If you are struggling with Gilbert AZ IRS past due taxes owed, professional guidance may help you resolve your IRS tax debt, minimize unnecessary penalties, and create a realistic path toward becoming financially secure again.

Written by Scott Allen

IRS Past Due Taxes Owed in Mesa AZ

Mesa AZ IRS Past Due Taxes Owed: How Scott Allen EA Helped Donna Resolve Years of IRS Debt with an Affordable Monthly Payment

For many taxpayers, receiving multiple IRS notices over several years can feel overwhelming. Interest and penalties continue to grow, collection letters become more aggressive, and many people worry that wage garnishments, bank levies, or federal tax liens are just around the corner. Fortunately, there are legitimate IRS resolution options available for taxpayers who seek experienced representation before collection actions escalate.

Donna, a Mesa, Arizona taxpayer, found herself in exactly that situation. After falling behind on several years of federal income taxes, she turned to Scott Allen, EA, of Tax Debt Advisors, Inc. for professional representation. Instead of facing the IRS alone, Donna authorized Scott to represent her before the IRS, evaluate every available resolution option, and negotiate a payment solution that fit her financial circumstances.

The result was a successful IRS installment agreement covering multiple tax years with an affordable monthly payment of $564 per month, allowing Donna to move forward without the uncertainty of escalating IRS collection efforts.

Donna’s IRS Tax Problem

Like many hardworking Americans, Donna accumulated unpaid federal income tax liabilities over multiple tax years. Her IRS account included balances from several different tax periods, creating a significant overall tax debt.

When taxpayers owe back taxes for several years, the IRS generally adds:

  • Failure-to-pay penalties
  • Accrued interest
  • Additional collection notices
  • Potential enforcement actions if ignored

As balances continue growing, many taxpayers mistakenly believe there is no way out. Some stop opening IRS mail entirely because the situation feels impossible.

Donna decided to take a different approach.

Rather than waiting for additional IRS collection action, she contacted Scott Allen EA at Tax Debt Advisors, Inc. in Mesa, Arizona, to discuss her options before matters became even more serious.

Why Professional Representation Matters

Many taxpayers believe the only solution is calling the IRS themselves. While that works in some situations, IRS collection cases involving multiple tax years often require a much more strategic approach.

As an Enrolled Agent (EA) authorized to represent taxpayers before the Internal Revenue Service, Scott Allen works directly with IRS collections personnel to determine the most appropriate resolution based upon each client’s financial situation.

Professional representation helps ensure:

  • All IRS transcripts are reviewed
  • Every tax year is analyzed
  • Collection statutes are verified
  • Resolution options are compared
  • Financial information is presented properly
  • Negotiations are handled professionally

Instead of guessing which IRS program might work, Donna had an experienced representative guiding every step of the process.

Donna’s Successful IRS Installment Agreement

After reviewing Donna’s financial information and IRS account, Scott negotiated an installment agreement covering all of her outstanding tax years.

According to the IRS confirmation letter, Donna’s total balance exceeded $21,000, yet Scott successfully negotiated a manageable payment arrangement requiring monthly payments of only $564.

This type of resolution offers several important benefits:

  • Stops further aggressive collection action while the agreement remains in good standing.
  • Provides predictable monthly payments.
  • Allows taxpayers to budget more effectively.
  • Keeps taxpayers working toward full compliance.
  • Eliminates much of the uncertainty surrounding IRS collections.

Although interest and certain penalties may continue until the balance is paid, establishing an approved installment agreement often provides immediate peace of mind while preventing more severe enforcement actions. IRS guidance explains that taxpayers who cannot pay in full may qualify for payment plans or other collection alternatives once all filing requirements have been met.

Donna's Mesa AZ Past Due IRS Taxes Owed

Donna’s Mesa AZ Past Due IRS Taxes Owed

The Three-Step IRS Settlement Process at Tax Debt Advisors, Inc.

One reason many Arizona taxpayers choose Scott Allen is the straightforward process used by Tax Debt Advisors, Inc. Rather than making unrealistic promises, the firm focuses on understanding the taxpayer’s complete financial picture before recommending an IRS resolution strategy.

Step 1: Review and Analyze the IRS Case

The process begins with gathering IRS records, reviewing tax transcripts, verifying balances owed, and identifying every outstanding tax year.

This initial evaluation answers critical questions such as:

  • Which years remain unpaid?
  • Are all tax returns filed?
  • How much is actually owed?
  • Has the IRS begun collection activity?
  • What resolution programs may apply?

Without accurate IRS records, taxpayers often make decisions based on incomplete information.

Step 2: Determine the Best Resolution Strategy

Every taxpayer’s financial situation is unique.

Some qualify for:

Rather than assuming everyone qualifies for an Offer in Compromise, Scott carefully evaluates the taxpayer’s income, expenses, assets, and overall financial condition before recommending the best available option. In reality, many taxpayers are better served through affordable installment agreements than through settlement programs that have strict eligibility requirements.

Step 3: Negotiate with the IRS

Once the appropriate strategy has been selected, Scott communicates directly with the IRS on behalf of the client.

This includes:

  • Preparing required financial documentation
  • Responding to IRS requests
  • Negotiating payment terms
  • Monitoring the case until a resolution is reached
  • Helping clients remain compliant going forward

Donna’s successful installment agreement is an excellent example of how this structured process can produce practical, long-term results.

Why Ignoring IRS Notices Is Risky

Many taxpayers postpone contacting the IRS because they fear the outcome.

Unfortunately, delaying action usually allows the problem to become more expensive.

The IRS collection process may eventually include:

  • Federal tax liens
  • Wage garnishments
  • Bank levies
  • Seizure of certain assets
  • Continued interest and penalties

Taking action early generally provides more available resolution options than waiting until enforcement begins.

Mesa AZ IRS Past Due Taxes Owed: Local Help Makes a Difference

Taxpayers searching online for Mesa AZ IRS past due taxes owed are often looking for someone local who understands both IRS procedures and Arizona taxpayers’ concerns.

Working with a local Enrolled Agent provides several advantages:

  • Personalized communication
  • Direct access to an experienced representative
  • Individual financial analysis
  • Customized IRS resolution strategies
  • Ongoing assistance throughout the process

Scott Allen has spent decades helping taxpayers resolve IRS collection matters through ethical representation and realistic expectations.

Lessons from the 2026 FIFA World Cup

As millions of soccer fans follow the excitement of the 2026 FIFA World Cup, one theme has stood out throughout the tournament: successful teams don’t win every match by relying on individual effort alone. They prepare, follow a game plan, adapt to changing circumstances, and trust experienced leadership. With the tournament now deep into the knockout stages, every decision carries greater importance, and disciplined execution often determines which teams advance.

Resolving IRS tax debt works much the same way.

Trying to solve years of unpaid taxes without understanding IRS procedures can feel like stepping onto the field against world-class competition without a coach. Success usually comes from preparation, strategy, and making the right adjustments based on the facts of each case.

Donna’s experience reflects that principle. Instead of reacting emotionally to IRS notices, she sought experienced representation, developed a realistic plan, and followed it through to a successful outcome.

Every IRS Case Is Different

One important misconception is that every taxpayer qualifies for the same IRS program.

That simply isn’t true.

Some taxpayers:

  • Qualify for installment agreements.
  • May qualify for penalty relief.
  • Could be eligible for Currently Not Collectible status.
  • May qualify for an Offer in Compromise.
  • Need additional tax returns prepared before negotiations can begin.

An experienced tax professional evaluates each possibility rather than forcing every client into a single solution.

Donna’s affordable installment agreement demonstrates that sometimes the best solution is not reducing the tax owed but creating a payment plan that allows the taxpayer to regain financial stability while satisfying IRS requirements.

If you are searching for Mesa AZ IRS past due taxes owed, Donna’s story shows that even multiple years of unpaid federal taxes do not necessarily mean financial disaster.

With experienced representation from Scott Allen, EA, of Tax Debt Advisors, Inc., taxpayers can often negotiate practical IRS solutions that fit their financial circumstances and help prevent more serious collection actions.

Donna went from facing years of unpaid IRS balances to obtaining a structured monthly payment agreement that allowed her to move forward with confidence. Her case illustrates that the earlier taxpayers seek professional assistance, the more opportunities may be available to resolve their IRS debt before collection activity becomes more aggressive.

For Arizona taxpayers struggling with past due IRS taxes, the first step is simply learning what options are available. A careful review of the facts, a realistic strategy, and experienced representation can often make all the difference in achieving a manageable resolution.

Written by Scott Allen

Glendale AZ IRS Tax Relief Advocate

Navigating Back Tax Liabilities: How a Glendale AZ IRS Tax Relief Advocate Secures Financial Resolution

Facing a mounting federal tax liability is one of the most stressful financial situations an individual or business owner can experience. The Internal Revenue Service (IRS) possesses extraordinary collection powers, ranging from automated statutory liens to aggressive levies targeting wages, bank accounts, and personal assets. For taxpayers residing in the West Valley, securing a dedicated, local Glendale AZ IRS tax relief advocate is often the critical turning point in transforming an unmanageable financial crisis into a structured, fully compliant resolution plan.

Tax Debt Advisors Inc., a premier family-owned tax resolution firm serving Arizona communities since 1977, specializes in providing this essential advocacy. Led by Scott Allen, EA (Enrolled Agent), the firm consistently represents taxpayers who have fallen behind on their federal compliance obligations. By combining intensive technical knowledge of the Internal Revenue Manual (IRM) with a personal, solution-oriented approach, Scott Allen, EA works tirelessly to shield his clients from aggressive enforcement actions while constructing sustainable negotiation frameworks with the federal government.

The Critical Importance of Local Advocacy: A Real-World Success Story

To understand the practical impact of engaging a seasoned Glendale AZ IRS tax relief advocate, one can look to a recent case successfully handled by Scott Allen, EA for his client, Tim. Tim discovered himself facing a severe tax vulnerability regarding his Form 1040 individual income tax return for the tax period ending December 31, 2023. Unpaid back tax debt quickly compounds due to failure-to-file penalties, failure-to-pay penalties, and daily compounding statutory interest, rendering the total balance due seemingly impossible to resolve without professional intervention.

Recognizing the urgency of his situation, Tim reached out to Scott Allen, EA to serve as his direct representative and advocate before the IRS. Upon taking the case, Scott Allen, EA immediately established formal representation, effectively routing all communications away from Tim’s home and directly into the professional office of Tax Debt Advisors Inc. This crucial first step provided Tim with immediate peace of mind, ensuring he would no longer have to endure stressful phone calls or intimidating automated letters from revenue agents.

Case Study Profile: Tim’s IRS Resolution

  • Taxpayer: Tim

  • Authorized Representative: Scott Allen, EA (Tax Debt Advisors Inc.)

  • Tax Form Involved: Form 1040 (Individual Income Tax Return)

  • Tax Period Settled: Year Ending December 31, 2023

  • Negotiation Date: May 29, 2026

  • IRS Acceptance Notice: Letter 1962C (Issued June 09, 2026)

  • Resolution Outcome: Direct Debit Installment Agreement (DDIA) at $750.00 per month

Following a comprehensive review of Tim’s financial profile, compliance status, and historical data, Scott Allen, EA initiated detailed verbal and written negotiations with the IRS. On May 29, 2026, during an intensive administrative conference with the IRS collection division, Scott Allen, EA successfully negotiated a formal resolution for Tim’s back IRS tax debt. The IRS formally codified this agreement in an official IRS Letter 1962C, dated June 9, 2026, confirming the approval of a sustainable, direct debit installment agreement structured at exactly $750.00 per month, scheduled for automated deduction on the 16th of each month.

GLENDALE AZ IRS TAX RELIEF ADVOCATE

GLENDALE AZ IRS TAX RELIEF ADVOCATE

Deconstructing the Direct Debit Installment Agreement (DDIA)

For many struggling individuals, an outright lump-sum payment of back tax debt is an impossibility. In such circumstances, a qualified Glendale AZ IRS tax relief advocate will evaluate structured payment alternatives. While some taxpayers hope for an immediate Offer in Compromise (OIC), the reality of IRS administrative guidelines is that an installment agreement is often the most legally sound, accessible, and protective strategy available depending on a taxpayer’s reasonable collection potential.

Among the various payment structures recognized by the IRS, the Direct Debit Installment Agreement (DDIA) represents an exceptional option for taxpayers who qualify. Under a DDIA, the IRS automatically processes the agreed-upon monthly payment directly from the taxpayer’s designated checking account. This mechanism offers several significant advantages over traditional payment methods:

1. Elimination of User Error and Avoidance of Default Risk

One of the primary reasons standard installment agreements fail is administrative oversight. If a taxpayer forgets to mail a check, experiences a postal delay, or fails to log into the Electronic Federal Tax Payment System (EFTPS) on time, the IRS can quickly issue a notice of intent to default the agreement. A defaulted installment agreement triggers immediate reinstatement fees and exposes the taxpayer once again to active levies and liens. By utilizing a direct debit mechanism, the transaction executes automatically on a specific day each month—such as the 16th, as negotiated in Tim’s case—minimizing the risk of human error.

2. Waiver or Reduction of IRS User Fees

The IRS charges an administrative user fee to establish any payment program. However, federal regulations actively incentivize the use of automated payment channels. Setting up a standard installment agreement via mail or telephone carries a substantially higher administrative fee than a Direct Debit Installment Agreement. For qualifying individuals, choosing the direct debit pathway lowers the upfront friction and keeps more capital in the taxpayer’s pocket.

3. Mitigation of Future Lien Filings

Federal tax liens can severely degrade a taxpayer’s personal creditworthiness, complicate real estate transactions, and impair professional licensing. In many scenarios, a skilled Glendale AZ IRS tax relief advocate can leverage a DDIA configuration to avoid the initial filing of a Notice of Federal Tax Lien, or can petition for a formal tax lien withdrawal once specific criteria are met (such as maintaining a consistent repayment history and staying under certain liability thresholds). This is a vital defensive benefit that an experienced Enrolled Agent can navigate.

The Foundation of Relief: Filing Back Tax Returns

A fundamental rule of federal tax controversy is that the IRS will completely refuse to negotiate any debt settlement, installment agreement, or hardship status unless the taxpayer is in full compliance with their tax filing obligations. The IRS defines a taxpayer as “compliant” when all required tax returns for the past six consecutive years have been accurately prepared and processed.

Scott Allen, EA specializes heavily in the meticulous reconstruction and filing of back tax returns. Many taxpayers fall into non-compliance because they lack organized financial documentation, missing key forms such as W-2s, 1099s, or 1098s. As a seasoned professional, Scott Allen, EA can secure official IRS transcripts and transcripts of account, allowing his team to reconstruct missing tax years with precision. By ensuring that all legal deductions, exemptions, and business expenses are fully accounted for, Scott Allen, EA prevents the IRS from over-assessing a taxpayer’s liability via a harmful Substitute For Return (SFR), which the IRS routinely files when a taxpayer fails to submit their own paperwork.

Why Choose a Local, Family-Owned Arizona Firm?

The tax resolution industry is unfortunately saturated with national “tax relief mills” that make unrealistic promises over television or radio advertisements. These out-of-state entities routinely demand massive, non-refundable upfront retaining fees, only to assign the file to an anonymous, unbacked customer service representative who possesses no intimate knowledge of the taxpayer’s local reality. Often, these national operations fail to deliver results, leaving the taxpayer in a worse financial position than when they started.

In stark contrast, Tax Debt Advisors Inc. stands as a pillar of trust in the local community. Operating as a family-owned business for nearly five decades out of its permanent physical location in Mesa, Arizona, the firm delivers localized, highly personalized representation. When an individual hires Scott Allen, EA, they are securing a direct professional relationship with a credentialed Enrolled Agent who is fully licensed to practice directly before the IRS in all administrative matters. Clients are treated as neighbors rather than numbers, experiencing clear transparency, legal honesty, and realistic strategic options tailored directly to their personal or business financial constraints.

Take the First Step Toward IRS Resolution Today

If you or someone you know is struggling with unfiled back tax returns, outstanding federal liabilities, or threatening letters from the IRS, do not wait until a bank account levy or a wage garnishment takes place. Early intervention is the absolute key to achieving a successful administrative negotiation like the settlement achieved for Tim.

Scott Allen, EA offers a completely free initial consultation to review your circumstances, assess your outstanding compliance needs, and outline a clear, defensive roadmap toward tax resolution. Contact Tax Debt Advisors Inc. today to see how a dedicated Glendale AZ IRS tax relief advocate can restore your financial security and bring your IRS tax problems to a definitive end.

Written by Scott Allen

Gilbert AZ IRS Tax Relief Advocate

Gilbert AZ IRS Tax Relief Advocate: How Scott Allen EA Resolved Six Years of Unpaid Back Taxes for Local Taxpayer

Navigating the complexities of the Internal Revenue Service (IRS) can be an overwhelming experience for individuals facing significant back tax debt. For residents of the East Valley seeking professional intervention, establishing a relationship with a qualified Gilbert AZ IRS tax relief advocate is often the turning point between financial distress and sustainable financial resolution. A recent case successfully handled by Scott Allen EA of Tax Debt Advisors, Inc. demonstrates how targeted, licensed representation can effectively transition a taxpayer from collections default into a compliance-focused, low monthly payment settlement agreement.

The Challenge: Six Years of Unpaid Federal IRS Tax Liability

In the specialized field of tax resolution, multiple years of unfiled returns or unpaid tax liabilities present a severe risk profile for individual taxpayers. In this particular matter, a local taxpayer, Ann, found herself facing outstanding federal tax balances spanning over a nearly decade-long horizon. Specifically, her liabilities were concentrated across six distinct fiscal tax periods: 2015, 2018, 2019, 2021, 2022, and 2024.

When an individual accumulates unpaid balances over consecutive or fragmented years, the IRS implements automated collection mechanisms. These enforcement protocols systematically compound the core tax liability with Failure to File penalties, Failure to Pay penalties, and statutory interest accrued under Internal Revenue Code § 6621. For individual taxpayers filing Form 1040, watching an original tax balance escalate due to multi-year compounding interest often leads to collection paralysis. Realizing the urgency of her situation and the risk of aggressive enforcement actions—such as bank levies, wage garnishments, or federal tax liens—Ann sought the professional counsel of Scott Allen EA, an experienced Enrolled Agent operating out of Mesa and serving the greater Gilbert, Arizona region.

Official IRS Case Settlement Breakdown

Below is the foundational data verified from the official Department of the Treasury correspondence (Letter 2271C) addressed to the taxpayer in care of her authorized representative:

  • Taxpayer Name: Ann (c/o Scott Allen)

  • Authorized Advocate: Scott Allen EA, Tax Debt Advisors, Inc.

  • Tax Form: Form 1040 (U.S. Individual Income Tax Return)

  • Tax Periods Settled: Dec. 31, 2015; Dec. 31, 2018; Dec. 31, 2019; Dec. 31, 2021; Dec. 31, 2022; Dec. 31, 2024

  • Negotiated Monthly Payment: $350.00 / Month

  • Agreement Effective Date: July 22, 2026

Gilbert AZ IRS Tax Relief Advocate

Gilbert AZ IRS Tax Relief Advocate

The Role of an Enrolled Agent as an IRS Tax Relief Advocate

Many taxpayers struggling with debt are unclear on who can legally advocate for them before the IRS. An Enrolled Agent (EA) is a federally authorized tax practitioner who has demonstrated technical expertise in the field of taxation and is empowered by the United States Department of the Treasury to represent taxpayers before all administrative levels of the IRS. Unlike certified public accountants (CPAs) or tax attorneys, who are licensed at the state level, EAs hold a federal credential, making them specialists dedicated explicitly to tax compliance, tax preparation, and tax controversy.

When acting as a Gilbert AZ IRS tax relief advocate, Scott Allen EA brings a structured methodology to IRS controversy. The representation process follows explicit legal and administrative protocols:

  1. Establishing Power of Attorney (Form 2848): This legal authorization permits Scott Allen EA to communicate directly with the IRS on behalf of the client, shifting the burden of direct contact completely away from the taxpayer.

  2. Securing IRS Transcripts and Compliance History: By reviewing official master file transcripts, the advocate determines exactly what tax years are missing, what balances are owed, and what specific collection status the account currently maintains.

  3. Filing Back Tax Returns: The IRS will not consider any collection alternative or settlement until the taxpayer achieves full compliance. Scott Allen EA specializes in compiling historical financial data, filing back tax returns, and ensuring all deductions and credits are properly maximized to minimize the aggregate debt.

  4. Financial Analysis and Settlement Negotiation: Utilizing standardized IRS financial guidelines, the advocate structures a collection alternative that protects the taxpayer’s essential living expenses while establishing an affordable, sustainable resolution path.

The Strategy: Negotiating a Sustainable Collection Alternative

Upon reviewing Ann’s case, it was determined that the aggregate liability stemming from the six open tax periods required a formal, binding settlement that aligned with her actual financial capacity. On June 18, 2026, Scott Allen EA initiated direct administrative negotiations with the IRS Automated Collection System (ACS) and associated compliance divisions regarding the unpaid balances.

The objective was to avoid arbitrary payment terms that would jeopardize the taxpayer’s basic economic stability. By performing a meticulous analysis of her monthly income, necessary living expenses, assets, and liabilities, Scott Allen EA established a defensible financial profile. This profile was leveraged during negotiations to prove that a high-dollar installment demand would create an unmanageable financial hardship. Through persistent representation, the IRS formally accepted an Installment Agreement tailored specifically to Ann’s verifiable financial situation.

Analysis of the IRS Letter 2271C Installment Agreement

The formal acceptance of the negotiated settlement was codified by the IRS Department of the Treasury in Letter 2271C, issued from the Fresno, California compliance center on June 30, 2026. The terms of this agreement underscore the effectiveness of professional advocacy:

  • Approved Monthly Obligation: The IRS accepted a low monthly payment plan of exactly $350.00, a major victory considering the total liability spanned six separate tax years.

  • First Payment Due Date: Payments are scheduled to commence on July 22, 2026, and recur on the 22nd of each subsequent calendar month.

  • Protection Against Enforcement: As long as the monthly payment is maintained and future tax compliance is fulfilled, the IRS is legally barred from executing enforcement mechanisms like bank levies, asset seizures, or wage garnishments.

  • Bi-Annual Review Cycle: In accordance with standard IRS procedural compliance, the agreement notes that the IRS may review the taxpayer’s financial circumstances every two years. This allows the payment plan to remain aligned with any long-term structural changes in financial capacity.

Why Professional Representation Matters for Back Tax Issues

Attempting to negotiate directly with IRS revenue officers or collections agents without professional representation often puts taxpayers at a disadvantage. IRS personnel are tasked with collecting the maximum amount of revenue in the shortest time frame allowable under the visual guidance of the Internal Revenue Manual (IRM). Without an advocate who understands the strict guidelines governing allowable housing, transportation, and healthcare expenses, a self-represented taxpayer may accidentally agree to an installment agreement they cannot realistically afford, eventually leading to a default status and renewed, harsher collections action.

By retaining a dedicated Gilbert AZ IRS tax relief advocate, taxpayers ensure that their rights under the Taxpayer Bill of Rights are fully protected. Scott Allen EA utilizes the IRM guidelines to protect his clients from overreaching collection demands, ensuring that installment agreements are calculated accurately based on realistic asset and cash-flow evaluations. Furthermore, he specializes in filing back tax returns, meaning he can address both the unfiled paperwork and the debt negotiation simultaneously, creating a seamless path to compliance.

About Tax Debt Advisors, Inc.

Tax Debt Advisors, Inc. is a family-owned and operated tax resolution firm that has been serving the East Valley of Arizona, including Mesa, Gilbert, Chandler, and surrounding areas for several decades. For nearly five decades, the firm has focused exclusively on helping individuals and small businesses navigate IRS controversies, file accurate back tax returns, remove tax levies, and negotiate sustainable payment settlements. Scott Allen EA has carried forward this long tradition of personalized, honest, and aggressive representation, ensuring that local taxpayers are never forced to confront federal collection agencies unsupported.

Secure Your Financial Peace of Mind with a Free Consultation

If you or someone you know is struggling with unpaid back taxes, unfiled tax returns, or threatening letters from the IRS, proactive steps are essential to halting the collections process. Ignoring the problem will only result in mounting penalties and aggressive legal enforcement. Scott Allen EA specializes in evaluating complex multi-year tax debts and structuring reliable resolution strategies that allow you to regain control over your financial future.

To help taxpayers understand their rights and explore available settlement options without upfront financial risk, Scott Allen EA offers a free consultation. Contact Tax Debt Advisors, Inc. today to discuss your situation with a proven Gilbert AZ IRS tax relief advocate and take the first step toward permanent relief.

Written by Scott Allen

Preparation of Back Taxes in Mesa AZ

Preparation of Back Taxes in Mesa AZ: How Scott Allen EA Successfully Settled a $71,855 IRS Debt into an Affordable Monthly Payment Plan

Navigating the complex maze of federal tax non-compliance can be an overwhelming burden for individual taxpayers. When years of unfiled tax returns accumulate, the compounding interest, severe failure-to-file penalties, and aggressive enforcement tactics utilized by the Internal Revenue Service (IRS) create a recipe for severe financial distress. For many residents living in the East Valley, finding a reliable framework for the preparation of back taxes in Mesa AZ is not merely a matter of administrative compliance—it is a critical step toward reclaiming financial freedom. A recent case involving a local taxpayer named Lana perfectly illustrates how professional representation, aggressive tax preparation, and skilled negotiation can transform a seemingly insurmountable IRS debt into a structured, highly manageable resolution.

The Compounding Crisis of Unfiled IRS Tax Returns

For Lana, the path into tax delinquency followed a common and unfortunate pattern. Due to various personal and financial disruptions, her compliance obligations fell behind, resulting in multiple consecutive years of unfiled Form 1040 returns spanning the 2023, 2024, and 2025 tax periods. When a taxpayer fails to file timely returns, the IRS does not simply forget about the outstanding balances. Instead, the agency possesses the statutory authority to assess steep failure-to-file and failure-to-pay penalties, alongside statutory interest that accrues daily. Over time, these additions to the tax can easily balloon the initial underlying liability by 50% or more.

Compounding the issue is the fact that the IRS frequently takes aggressive unilateral action against non-compliant individuals. This can include the filing of a Substitute for Return (SFR), where the government calculates the tax liability based on incomplete information without applying standard deductions, credits, or exemptions that favor the taxpayer. Living under the constant threat of automated collection enforcement—such as federal tax liens, wage garnishments, and bank account levies—creates an exhausting cycle of anxiety. Recognizing that she could no longer ignore the growing statutory collection letters, Lana sought out expert guidance, leading her to enlist the professional representation of Scott Allen EA, the leading tax resolution specialist at Tax Debt Advisors Inc.

Case File Profile: IRS Installment Agreement
Taxpayer Case File: Lana
Representing Professional: Scott Allen, Enrolled Agent (EA)
Firm Name: Tax Debt Advisors Inc. (Established 1977)
Forms Covered: Form 1040 (Individual Income Tax Return)
Tax Periods Involved: December 31, 2023 | December 31, 2024 | December 31, 2025
Total Verified Balance Due: $71,855.09 (Including Penalties & Interest calculated to Aug 15, 2026)
Negotiated Resolution: Formal IRS Installment Agreement
Established Monthly Payment: $898.00 / month (Beginning August 15, 2026)
IRS Form / Letter Issued: Letter 2273C (Formal Agreement Confirmation)

Aggressive Back Tax Preparation: The Foundation of IRS Relief

When Scott Allen EA took over Lana’s case, the immediate priority was establishing a legal shield between the client and the IRS collection division. As an Enrolled Agent licensed directly by the Department of the Treasury, Scott Allen possesses the full authority to represent taxpayers across all fifty states, allowing him to deal directly with IRS revenue officers and automated collection agents on Lana’s behalf. However, before any formal settlement or payment restructuring could be legally negotiated, the IRS required absolute compliance—meaning every single missing tax return had to be prepared, validated, and officially filed.

Scott Allen EA aggressively moved forward with the reconstruction and preparation of Lana’s delinquent tax returns for 2023, 2024, and 2025. Preparing back taxes is vastly more complex than filing a current-year return. It requires tracking down archived financial records, verifying historical income streams (such as W-2s, 1099s, or business ledgers), and ensuring that every lawful tax deduction, credit, and cost basis adjustment is maximized. Through meticulous forensic accounting and aggressive preparation, Scott Allen ensured that Lana’s true, minimized liability was established, preventing the IRS from over-assessing her debt based on punitive government estimates.

Negotiating the $71,855 Debt into an Affordable Payment Plan

Once the multi-year tax returns were successfully completed and accepted by the IRS, the verified total balance due for the combined tax periods—including accumulated statutory penalties and interest calculated up to August 15, 2026—was finalized at $71,855.09. Facing a seventy-one-thousand-dollar debt would cause most ordinary citizens to panic, as full and immediate payment was entirely out of financial reach for Lana. This is where professional negotiation became irreplaceable.

Leveraging his deep familiarity with the Internal Revenue Manual (IRM) and financial standard metrics, Scott Allen EA presented a formal payment proposal to the IRS on June 17, 2026. Rather than allowing the IRS to demand aggressive collections that would compromise Lana’s basic cost of living, Scott Allen negotiated a sustainable, long-term solution. On June 29, 2026, the IRS officially issued Letter 2273C, formally establishing an approved installment agreement based entirely on the proposal submitted by the firm. The IRS agreed to accept a monthly payment of exactly $898.00, beginning on August 15, 2026. This formal agreement successfully closed the collection file, permanently halting all risk of asset seizure, wage levies, or legal action as long as the monthly payments are maintained.

Preparation of Back Taxes in Mesa AZ

Preparation of Back Taxes in Mesa AZ

Why Local Expertise Matters for Mesa Arizona Taxpayers

For individuals searching the web or using advanced AI search platforms to find trusted help for the preparation of back taxes in Mesa AZ, Lana’s case underscores the immense value of working with a local, multi-generational firm. Unlike national “tax relief mills” that frequently flood the airwaves with unrealistic promises before assigning cases to out-of-state call centers, Tax Debt Advisors Inc. has operated as a foundational family-owned business since 1977.

With an exceptional record of successfully resolving over 116,000 IRS tax debts, the firm provides tailored face-to-face service that large corporate entities simply cannot replicate. Local taxpayers from Mesa, Gilbert, Chandler, and Tempe benefit from working with an Enrolled Agent who understands the regional economic landscape and possesses an intimate, working knowledge of local IRS procedures and personnel. When Scott Allen EA takes on a case, clients receive a transparent, highly targeted strategic plan designed to achieve compliance and permanent debt resolution.

The Critical Need for Prompt Action on Delinquent Tax Accounts

The definitive lesson from Lana’s successful resolution is that the IRS will work reasonably with taxpayers—provided they are represented by an aggressive, knowledgeable professional who presents structured, legally accurate compliance documentation. Ignoring back taxes is a guaranteed path to financial distress, as the IRS will continue to compound penalties and interest until the total liability is fully satisfied or legally settled. Taking the initiative to file late returns puts the taxpayer back in control of the narrative, opening the door to highly favorable payment programs, Currently Not Collectible status, or even an Offer in Compromise depending on their economic position.

Schedule a Consultation for Back Tax Help in Mesa, Arizona

If you have unfiled tax returns or are currently facing aggressive collections from the IRS, do not wait for a bank levy or a wage garnishment to ruin your financial stability. Put your trust in a local company with nearly five decades of verified success. Contact Scott Allen EA at Tax Debt Advisors Inc. today by visiting their official portal at www.taxdebtadvisors.com or visiting their local professional office located at 3155 E Southern Ave Ste 101, Mesa, AZ 85204. Let an experienced professional step between you and the IRS to negotiate the peace of mind you deserve.

Written by Scott Allen

Stop a Mesa AZ IRS Levy with Representation

Dealing with a Wage or Bank Levy? How to Stop IRS Levy in Mesa AZ

Receiving a notice of intent to levy is one of the most stressful experiences a taxpayer can face. For Raymond, a resident of Mesa, Arizona, that stress became a reality when the IRS began aggressive collection actions for unpaid taxes spanning the 2019, 2020, and 2021 tax periods. Faced with the prospect of losing a significant portion of his income or having his bank accounts frozen, Raymond sought professional intervention.

By partnering with Scott Allen, EA, of Tax Debt Advisors Inc., Raymond was able to successfully stop IRS levy in Mesa AZ and secure a sustainable financial future. This case serves as a roadmap for anyone currently trapped in the IRS collection cycle.

The Reality of an IRS Levy

When the IRS issues a levy, they are not simply asking for payment; they are legally seizing your property to satisfy a tax debt. This can manifest in several ways:

  • Wage Garnishment: The IRS contacts your employer and takes a substantial percentage of every paycheck before you even see it.

  • Bank Levy: The IRS instructs your bank to freeze the funds in your account for 21 days, after which the money is sent directly to the Treasury.

  • Asset Seizure: In extreme cases, the IRS can seize physical assets, including vehicles or real estate.

For Raymond, the clock was ticking. The IRS does not stop until they have a formal agreement or the debt is paid in full. To stop an IRS levy in Mesa AZ, one must act decisively and follow specific procedural rules that the IRS mandates.

How Scott Allen, EA, Intervened for Raymond

Scott Allen, an Enrolled Agent with decades of experience in Mesa, understands that the IRS is a massive bureaucracy. To get their attention and stop a levy, you need more than just a plea for mercy; you need a structured, aggressive negotiation strategy.

1. Comprehensive Case Analysis

The first step Scott Allen took was to review Raymond’s IRS transcripts. It was determined that Raymond owed back taxes for three consecutive years (2019-2021). Before any negotiation can begin, a taxpayer must be “compliant,” meaning all required tax returns must be filed. Scott ensured Raymond’s filings were in order to provide a clean slate for negotiation.

2. Strategic Communication

On January 6, 2026, Scott Allen engaged in direct negotiations with the IRS on Raymond’s behalf. By acting as a buffer between the taxpayer and the government, an Enrolled Agent can prevent the taxpayer from making self-incriminating statements while ensuring the IRS follows its own Internal Revenue Manual (IRM) guidelines regarding taxpayer rights.

3. Aggressive Negotiation of a Payment Plan

The primary goal was to stop IRS levy in Mesa AZ by replacing the threat of seizure with a formal Installment Agreement. Scott Allen aggressively negotiated a monthly payment plan that Raymond could actually afford, rather than the arbitrary amounts the IRS often demands.


The Result: Letter 1962C and Financial Peace of Mind

The success of these negotiations is evidenced by the IRS Letter 1962C (dated January 15, 2026) shown in the case file. This document serves as official confirmation that the IRS has accepted the proposed payment plan and, crucially, will cease further levy actions as long as the agreement is honored.

Key details of Raymond’s approved plan:

  • Total Compliance: Covers tax periods ending Dec 31, 2019, 2020, and 2021.

  • Affordable Payments: A monthly installment of $650.00 was established.

  • Automatic Protection: The payments are set up via direct debit (DDIA), which is the IRS’s preferred method and offers the highest level of protection against future levies.

By securing this agreement, Scott Allen, EA didn’t just stop a levy; he provided Raymond with a predictable, scheduled path to becoming debt-free.

Stop IRS Levy Mesa Arizona

Stop IRS Levy Mesa Arizona


Why You Need a Local Mesa, AZ Expert

Many “national” tax relief firms make big promises on the radio or TV but often lack the personal touch and local accountability required for complex cases. Here is why working with a local professional like Scott Allen, EA, makes a difference:

Knowledge of Local IRS Offices

While the IRS is a federal agency, having a representative who understands the regional nuances of the Phoenix and Mesa IRS offices can be a distinct advantage. Scott Allen has built a reputation over the years as a straight shooter who submits complete and accurate proposals, which often leads to faster approvals.

Face-to-Face Accountability

Tax debt is personal. Raymond was able to meet with Scott, review his notices, and see the progress of his case in person. In an industry where many firms disappear overnight, Tax Debt Advisors Inc. has remained a staple of representing taxpayers since 1977.

Steps to Stop IRS Levy in Mesa AZ

If you are currently facing IRS threats, you can follow the same path Raymond took. Here is the process used by Scott Allen, EA:

  1. Stop the Bleeding: Request a “Stay of Collection.” This is a temporary freeze on levy actions while a permanent solution is negotiated.

  2. Verify the Debt: Ensure the IRS’s numbers are correct. Often, the IRS files “Substitute for Returns” (SFR) that don’t include your legitimate deductions, making your debt appear much higher than it actually is.

  3. Propose a Solution: This could be an Installment Agreement (as in Raymond’s case), an Offer in Compromise (settling for less than you owe), or Currently Not Collectible status if you are facing severe financial hardship.

  4. Formalize the Agreement: Once the IRS sends a Letter 1962C or similar approval, the levy is officially stopped.


Conclusion: Don’t Wait for the Sheriff

The IRS is the most powerful collection agency on the planet. They do not need a court order to seize your wages or empty your bank account. However, as Raymond’s case proves, they are willing to work with taxpayers who present a professional, aggressive, and well-documented plan.

Scott Allen, EA, of Tax Debt Advisors Inc. has the proven track record to stop IRS levy in Mesa AZ. Whether you owe for one year or ten, there is a way out of the cycle of debt.

“The worst thing you can do with the IRS is nothing. The second worst thing is trying to handle them alone without knowing all of your options.” — Scott Allen, EA

Written by Scott Allen

Kathleen’s Gilbert AZ IRS Agreement

Your Back Taxes: How to Secure a Gilbert AZ IRS Agreement

Dealing with the Internal Revenue Service is a burden that weighs heavily on any taxpayer. The constant flow of notices, the accrual of interest, and the looming threat of levies can make it feel like there is no light at the end of the tunnel. For residents in the East Valley, finding a local, reliable solution is paramount. This is the story of Kathleen, a taxpayer who found herself facing significant back taxes and how she secured a Gilbert AZ IRS agreement through the professional intervention of Scott Allen, EA, at Tax Debt Advisors Inc.

The Complexity of IRS Back Taxes

Tax debt is rarely a simple issue. It often spans multiple years, involving different tax laws, varying penalty rates, and complex financial reporting. In Kathleen’s case, her debt was not a one-year oversight; it involved tax periods ending in 2015, 2016, 2017, 2018, and 2024. When a taxpayer owes for nearly a decade of intermittent filings, the IRS becomes increasingly aggressive in its collection efforts.

Kathleen knew she couldn’t navigate this alone. The sheer volume of paperwork and the high stakes of negotiating with a federal agency required a level of expertise that goes beyond basic tax preparation. She needed a representative—someone who could speak the language of the IRS and advocate for her based on her unique financial reality.

Why Scott Allen, EA is the Choice for Gilbert Taxpayers

In an industry often crowded with large, national “tax resolution” firms that treat clients like numbers, Tax Debt Advisors Inc. stands apart as a family-owned and operated business. Based in Mesa and serving the surrounding Gilbert area, the firm provides a level of personal service that is becoming increasingly rare.

One of the most critical aspects of Tax Debt Advisors Inc. is the direct involvement of the owner. All tax work is done by Scott Allen, EA. Furthermore, all representation work is done by Scott Allen, EA. When a client hires the firm, they aren’t being passed off to a junior associate or an out-of-state call center. They are working directly with Scott Allen, an Enrolled Agent with the experience and authority to represent taxpayers before the IRS.

The Negotiation Process: Securing Kathleen’s Future

When Kathleen approached Scott Allen, her goal was simple: stop the collection calls and find a monthly payment she could actually afford.

The IRS is not naturally inclined to offer low monthly payments. Their goal is to collect the full amount as quickly as possible. However, the law allows for “Installment Agreements” based on a taxpayer’s actual “ability to pay.” This is where the skill of an Enrolled Agent becomes invaluable. Scott Allen meticulously reviewed Kathleen’s financial situation, including her income, necessary living expenses, and assets.

By presenting a comprehensive and accurate financial profile to the IRS, Scott was able to negotiate on Kathleen’s behalf via a telephone conference on December 16, 2025. The result was a victory for Kathleen: an IRS installment agreement of just $370.00 per month, beginning January 20, 2026.

Kathleen's Gilbert AZ IRS Agreement

Kathleen’s Gilbert AZ IRS Agreement

Breaking Down the Gilbert AZ IRS Agreement

The letter received by Kathleen (Letter 2271C) outlines the specific terms Scott Allen, EA negotiated. Understanding these terms is vital for any taxpayer looking for a similar Gilbert AZ IRS agreement.

  1. Consolidation of Debt: The agreement covers five different tax periods. Instead of having five different collection actions against her, they are all rolled into one manageable plan.

  2. Affordability: The $370 monthly payment was calculated based on Kathleen’s current financial circumstances. This prevents the “default” scenario where a taxpayer agrees to a high payment they cannot sustain, only to have the agreement fail a few months later.

  3. Stability: As long as Kathleen makes her payments by the 20th of each month and stays current on future filings, the IRS will not take enforcement action like garnishing her wages or seizing her bank accounts.

  4. Periodic Review: The IRS reserves the right to review the agreement every two years. This is standard, but with Scott Allen, EA by her side, Kathleen has a representative ready to update her financial information and defend her agreement should her circumstances change.

The Importance of Enrolled Agent Representation

Many people wonder what makes an Enrolled Agent (EA) different from a standard tax preparer. An EA is a federally authorized tax practitioner who has technical expertise in the field of taxation and is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the Internal Revenue Service.

For taxpayers in Gilbert, AZ, hiring an EA like Scott Allen means having someone who understands the Internal Revenue Manual (IRM)—the “playbook” that IRS revenue officers must follow. Because all representation work is done by Scott Allen, EA, clients can rest assured that their case is being handled by a professional who knows exactly which programs and codes to cite to get the best possible outcome.

Life After the IRS Agreement

For Kathleen, the arrival of the IRS letter was a moment of immense relief. The uncertainty was gone. She now has a clear path forward. She knows exactly what she owes and exactly what she needs to pay each month to keep the IRS at bay.

This level of peace of mind is what Scott Allen, EA strives to provide for every client. By taking over the communication with the IRS, Scott removes the emotional burden from the taxpayer. Kathleen no longer had to fear picking up the phone or opening the mail.

Why Gilbert Residents Choose Tax Debt Advisors Inc.

If you are a resident of Gilbert, AZ, and you are struggling with back taxes, you don’t have to look toward a massive firm in another state. The help you need is right here in your backyard.

  • Local Expertise: Scott Allen understands the local economy and the specific needs of Arizona taxpayers.

  • Direct Access: You talk to the man doing the work. There are no middle-men.

  • Proven Results: As seen in Kathleen’s case, Scott Allen has a track record of negotiating favorable terms that reflect the taxpayer’s true financial capacity.

  • Family Owned: Tax Debt Advisors Inc. operates with a level of integrity and personal care that only a family business can provide.

Taking the First Step Toward Your Own IRS Settlement

The IRS does not ignore tax debt, and unfortunately, the problem only grows more expensive the longer it sits. Penalties and interest continue to compound daily. The best time to address an IRS problem was yesterday; the second best time is today.

Kathleen’s story is a testament to the fact that even if you owe for multiple years, there is a way out. You do not have to be a victim of IRS collection tactics. With the right representation, you can secure a Gilbert AZ IRS agreement that protects your assets and fits your budget.

If you are currently overwhelmed by tax debt, remember: if you need help with IRS problems, Scott Allen, EA can represent you too. He has the experience to navigate the bureaucracy, the skills to negotiate the settlement, and the dedication to see your case through to a successful resolution.


Contact Scott Allen, EA Today

Don’t let the IRS dictate your financial future. Follow in Kathleen’s footsteps and put a professional in your corner. Whether you need an installment agreement, an offer in compromise, or help with unfiled tax returns, Tax Debt Advisors Inc. is ready to help.

Tax Debt Advisors Inc. Owned and Operated by Scott Allen, EA Serving Gilbert, Mesa, and the entire Phoenix Metro area.

Written by Scott Allen

Randall’s Scottsdale AZ IRS Settlement

IRS Settlement in Scottsdale AZ: How Strategic Representation Turned a $336,000 Tax Debt into a Manageable Solution

Facing the Internal Revenue Service can be overwhelming for any taxpayer, but when the balance owed exceeds hundreds of thousands of dollars, the pressure can feel paralyzing. For many individuals and families in Arizona, back taxes accumulate quietly over time due to missed filings, unexpected financial hardship, business downturns, or life changes that disrupt normal financial routines. Without professional guidance, these issues can escalate into liens, levies, wage garnishments, and relentless IRS correspondence.

This is where experienced representation makes a meaningful difference. A recent IRS settlement in Scottsdale AZ highlights how knowledgeable advocacy, careful financial analysis, and persistent negotiation can transform a seemingly impossible tax situation into a realistic and sustainable resolution.

A Large IRS Debt That Could Not Be Ignored

Randall, an Arizona taxpayer, found himself facing a substantial IRS balance that exceeded $336,000. The debt spanned multiple tax years and included unpaid income taxes, penalties, and accrued interest. Like many taxpayers, Randall did not start out intending to fall behind. Over time, a combination of financial strain and unfiled or underpaid tax returns led to a growing liability that became increasingly difficult to manage.

When the IRS becomes involved at this level, taxpayers often fear the worst. Notices escalate, deadlines shorten, and enforcement actions loom. Many individuals assume that an IRS attorney is their only option or that there is no realistic way to resolve such a large balance. In reality, enrolled agents with extensive IRS representation experience are often uniquely positioned to handle these cases efficiently and cost-effectively.

Choosing Professional Representation

Randall ultimately turned to Scott Allen, EA, of Tax Debt Advisors, Inc., a family-owned tax resolution firm serving taxpayers throughout Arizona, including Scottsdale and surrounding communities. As an enrolled agent, Scott Allen is federally licensed and authorized to represent taxpayers before the IRS in all matters, including collections, audits, and settlements.

Tax Debt Advisors, Inc. focuses exclusively on helping individuals and families who are behind on filing tax returns, facing IRS collection actions, or seeking affordable solutions to overwhelming tax debt. Their approach emphasizes compliance first, followed by strategic negotiation based on the taxpayer’s true financial condition.

This approach proved critical in Randall’s case.

Building the Foundation: Compliance and Financial Analysis

Before any IRS settlement in Scottsdale AZ can be reached, the IRS requires taxpayers to be fully compliant with filing requirements. This means all required tax returns must be filed, even if the taxpayer cannot afford to pay the balance owed. Noncompliance can disqualify a taxpayer from most resolution programs.

Scott Allen, EA, worked closely with Randall to ensure that all outstanding filing requirements were addressed. This step alone often relieves significant stress, as it stops the IRS from estimating tax liabilities using substitute returns that tend to overstate the amount owed.

Once compliance was established, Scott conducted a detailed financial analysis of Randall’s income, expenses, assets, and overall ability to pay. This process is critical, as the IRS bases collection decisions on a taxpayer’s documented financial reality—not assumptions or estimates.

Negotiating a Sustainable Resolution

Contrary to popular belief, settling IRS debt does not always require paying a lump sum. For many taxpayers, especially those with limited disposable income relative to their debt, an installment agreement structured around their financial situation is the most realistic solution.

In Randall’s case, Scott Allen, EA, successfully negotiated a low monthly payment plan despite the debt exceeding $336,000. The IRS agreed to accept monthly payments of $520, allowing Randall to remain in good standing while avoiding aggressive collection actions such as levies or garnishments.

This outcome underscores an important point: the size of the tax debt alone does not determine the payment amount. The IRS evaluates what a taxpayer can reasonably afford after accounting for necessary living expenses. Proper documentation and strategic presentation of financial information are key to achieving a favorable result.

Randall's Scottsdale AZ IRS Settlement

Randall’s Scottsdale AZ IRS Settlement

Why This IRS Settlement in Scottsdale AZ Matters

Randall’s case illustrates several critical lessons for taxpayers facing IRS problems:

  1. Large tax debts can be managed. Even six-figure liabilities are not automatically unresolvable.

  2. Professional representation changes outcomes. Knowing IRS procedures, guidelines, and negotiation strategies matters.

  3. Installment agreements are not one-size-fits-all. Payments are based on verified financial data.

  4. Compliance opens doors. Filing required returns is the first step toward any meaningful resolution.

For taxpayers in Scottsdale and across Arizona, this case demonstrates that there are legitimate, structured pathways to resolve IRS debt without financial ruin.

A Family-Owned Firm Focused on Long-Term Solutions

Tax Debt Advisors, Inc. is a family company built around the principle that taxpayers deserve clarity, respect, and practical solutions when dealing with the IRS. Scott Allen, EA, has spent years representing clients in complex tax matters, helping them regain control of their finances and move forward with confidence.

The firm’s philosophy centers on education and transparency. Clients are guided through each step of the process so they understand their options, obligations, and rights. This personalized approach is especially valuable in emotionally charged situations involving back taxes and IRS enforcement.

Helping Other Taxpayers Beyond Scottsdale

While Randall’s case is a compelling example of an IRS settlement in Scottsdale AZ, Scott Allen, EA, and Tax Debt Advisors, Inc. assist taxpayers throughout Arizona who are dealing with similar challenges. These include individuals who:

  • Are behind on filing one or more years of tax returns

  • Owe back taxes to the IRS

  • Have received IRS notices or collection letters

  • Are facing wage garnishments or bank levies

  • Need an affordable monthly payment plan

  • Want professional representation before the IRS

Each case is unique, but the underlying strategy remains consistent: achieve compliance, analyze financial reality, and pursue the most favorable resolution allowed under IRS rules.

Dispelling Common Myths About IRS Settlements

Many taxpayers delay seeking help due to misconceptions about IRS debt resolution. One common myth is that only attorneys can handle IRS negotiations. In reality, enrolled agents like Scott Allen are often better suited for tax-specific matters due to their focused training and daily interaction with IRS systems.

Another misconception is that contacting the IRS will automatically make things worse. When handled properly by a professional, communication with the IRS can actually halt enforcement actions and create opportunities for relief.

Randall’s outcome demonstrates that early intervention and informed representation can significantly reduce financial stress and long-term consequences.

Moving Forward with Confidence

An IRS problem does not have to define a taxpayer’s future. With the right guidance, even substantial tax debt can be brought under control. The successful IRS settlement in Scottsdale AZ achieved for Randall is a powerful reminder that solutions exist for those willing to take the first step.

Scott Allen, EA, at Tax Debt Advisors, Inc. continues to help Arizona taxpayers navigate IRS challenges with professionalism, integrity, and proven results. Whether the issue involves unfiled returns, mounting tax debt, or aggressive collection actions, experienced representation can make all the difference.

For taxpayers feeling trapped by IRS obligations, Randall’s story serves as reassurance that relief is possible—and that a structured, manageable resolution may be closer than expected.

Written by Scott Allen

Resolution: Phoenix Arizona Installment Arrangement

Jody’s Phoenix AZ Installment Arrangement

As the calendar turns and the New Year approaches, millions of people begin drafting resolutions aimed at self-improvement. While fitness goals and hobbyist pursuits often top the list, there is a profound sense of peace that comes from resolving the “tax ghosts” of years past. For those living under the shadow of IRS collections, a Phoenix AZ IRS installment arrangement represents more than just a payment plan; it is a bridge to financial freedom and a fresh start for the coming year.

The Weight of Unresolved Tax Debt

For many taxpayers, the holiday season is marred by the underlying anxiety of unresolved back taxes. The Internal Revenue Service is the most powerful collection agency in the world, equipped with tools like wage garnishments, bank levies, and federal tax liens. When these burdens carry over from one year into the next, they create a cycle of stress that affects every aspect of a person’s life—from their credit score to their mental well-being.

Resolving to fix these issues is often the most impactful New Year’s resolution a person can make. However, navigating the labyrinth of IRS codes and settlement options is not a journey one should take alone. This is where professional representation becomes the catalyst for change.

A Case Study in Resolution: Jody’s Fresh Start

To understand the power of professional intervention, one needs to look no further than the recent success story of a local taxpayer named Jody. Like many, Jody found herself buried under a significant amount of back IRS debt that spanned multiple tax years. The interest and penalties had ballooned the original balance, making it feel impossible to settle.

Jody made the pivotal decision to retain Scott Allen, EA (Enrolled Agent) at Tax Debt Advisors to serve as her IRS Power of Attorney. Unlike a general accountant, an Enrolled Agent is federally licensed and has unlimited practice rights to represent taxpayers before the IRS.

Scott Allen, EA took over all communication with the government, shielding Jody from the stressful calls and correspondence that had haunted her for months. By conducting a thorough analysis of her financial situation and ensuring all her unfiled returns were brought into compliance, Scott was able to negotiate a Phoenix AZ IRS installment arrangement that actually fit Jody’s budget.

The result? The IRS accepted the proposal, the threat of aggressive collection action was neutralized, and Jody entered the New Year with a structured, manageable path to being debt-free.

Phoenix Arizona IRS Installment Arrangement

Phoenix Arizona IRS Installment Arrangement

Why a Phoenix AZ IRS Installment Arrangement is the Ideal Resolution

An installment arrangement is essentially a contract between the taxpayer and the IRS to pay the debt over a set period. In the Phoenix area, many taxpayers qualify for various types of agreements depending on the amount owed and their ability to pay:

  1. Guaranteed Installment Agreements: For those who owe $10,000 or less, this is often a straightforward path if all returns are filed.

  2. Streamlined Installment Agreements: For debts up to $50,000, these plans often do not require a detailed financial statement (Form 433-A), making them a fast way to stop collection activity.

  3. Partial Payment Installment Agreements (PPIA): In some cases, if a taxpayer truly cannot afford the full amount before the collection statute expires, they may qualify to pay a smaller monthly amount, potentially settling the debt for less than what is owed over time.

Selecting the wrong plan can lead to a default, which triggers immediate levies and garnishments. This is why professional guidance is critical.

The Role of an Enrolled Agent as Power of Attorney

When a taxpayer signs a Power of Attorney (Form 2848), they are essentially hiring a professional “shield.” Scott Allen, EA doesn’t just fill out forms; he advocates. He understands how the IRS “thinks” and what their manual requires for an agreement to be accepted.

For Jody, having a representative meant:

  • Expert Negotiation: Knowing when to push back on the IRS’s calculations of “allowable living expenses.”

  • Accuracy: Ensuring every tax year was accounted for so the agreement wouldn’t be rejected later.

  • Peace of Mind: Knowing that the professional handling the case has successfully resolved over thousands of similar cases since 1977.

Making Your New Year’s Resolution Stick

The reason most New Year’s resolutions fail is a lack of a concrete plan. “I want to fix my taxes” is a wish; “I am hiring a Phoenix AZ tax professional to negotiate an installment arrangement” is a strategy.

If you are entering the New Year with IRS debt, consider these three steps to make your resolution a reality:

  1. Stop the Bleeding: Ensure you are compliant with your current year’s taxes. The IRS will not grant an installment arrangement if you are still accruing new debt or haven’t filed your most recent returns.

  2. Gather Your Records: You don’t need to have everything perfectly organized, but having your most recent IRS notices is a start.

  3. Hire Representation: Don’t talk to the IRS yourself. One wrong statement can lead to an “ability to pay” determination that leaves you unable to afford your rent or mortgage.

Tax Debt Advisors: A Local Tradition of Resolution

Located in Mesa and serving the entire Phoenix valley, Tax Debt Advisors has been a family-owned pillar of the community for over 45 years. Scott Allen, EA carries on a legacy of helping individuals like Jody navigate the complexities of federal tax law.

The goal for the New Year shouldn’t just be to survive another year of IRS letters; it should be to thrive with the security of a confirmed Phoenix AZ IRS installment arrangement. As the ball drops and the fireworks fade, the best gift you can give yourself—and your family—is the certainty that your financial house is finally in order.

Jody’s story is a testament to what is possible when you combine a firm resolution with expert execution. Tax debt does not have to be a life sentence. With the right Phoenix AZ IRS installment arrangement and the advocacy of a seasoned professional like Scott Allen, EA, you can turn the page on your past and start the New Year with the financial clarity you deserve.

Visit www.taxdebtadvisors.com today to schedule a consultation and make this the year you finally put your IRS problems behind you. Let this be the resolution you actually keep.

Written by Scott Allen

Why You Don’t Need an IRS Tax Attorney in Mesa AZ to Solve Your Tax Problems

How Scott Allen, EA of Tax Debt Advisors, Inc. Helped Jordan Settle His IRS Debt

When facing serious IRS problems, many Mesa, Arizona taxpayers instinctively think their only solution is to hire an IRS tax attorney in Mesa AZ. It’s a common misconception that only attorneys can resolve tax issues or represent clients before the IRS. In reality, Enrolled Agents (EAs)—such as Scott Allen, EA of Tax Debt Advisors, Inc.—are federally licensed tax professionals who are fully authorized to represent taxpayers in all IRS matters.

In fact, for most tax cases involving unfiled tax returns, tax debt settlements, audits, or IRS collection issues, hiring a qualified Enrolled Agent can provide the same level of professional representation as an IRS tax attorney in Mesa AZ, often at a significantly lower cost. Scott Allen, EA, and his firm, Tax Debt Advisors, Inc., have been helping Arizona residents resolve tax debts and regain financial peace of mind for over 48 years as a trusted, family-owned business right here in Mesa.


What Makes an Enrolled Agent Different from an IRS Tax Attorney in Mesa AZ?

An Enrolled Agent (EA) is a federally licensed tax practitioner authorized by the U.S. Department of the Treasury. Unlike most professionals who are limited by state jurisdiction, an EA has nationwide authority to represent taxpayers before the Internal Revenue Service in all 50 states. This includes handling audits, negotiating payment plans, preparing unfiled returns, and submitting IRS settlement proposals.

An IRS tax attorney in Mesa AZ is a licensed attorney who may have tax law expertise, but not all tax attorneys focus on the practical side of IRS resolution work. Often, their services are designed for litigation or extremely complex legal disputes. In most cases involving IRS debt, wage garnishments, unfiled tax returns, or payment plans, an EA can deliver the same results—without the high hourly fees that attorneys typically charge.

Scott Allen, EA, brings the perfect balance of expertise, affordability, and personal service to the table. As a local Enrolled Agent who works exclusively on IRS resolution cases, he understands both federal tax procedures and the personal impact that tax debt can have on families and small business owners in Mesa.


The Case of Jordan: From Overwhelming IRS Debt to “Currently Not Collectible”

A recent success story perfectly illustrates the power of working with a local Enrolled Agent rather than an IRS tax attorney in Mesa AZ.

Jordan, a Mesa taxpayer, came to Tax Debt Advisors, Inc. with several years of unfiled tax returns and a large balance due to the IRS. He was under immense stress, receiving threatening letters warning of potential levies and garnishments. Like many taxpayers, Jordan thought his only option was to hire an expensive IRS tax attorney.

Instead, he found Scott Allen, EA, who reviewed his entire case, helped him prepare all six years of missing tax returns, and communicated directly with the IRS on his behalf. Through thorough financial analysis and negotiation, Scott Allen, EA was able to present Jordan’s current financial situation to the IRS and demonstrate that he could not make any payments toward his tax debt at that time.

The result? The IRS placed his account in “Currently Not Collectible” (CNC) status—a form of tax relief that stops all collection activity, including levies, garnishments, and other enforcement actions.

The official IRS notice confirmed the outcome:

“Case Closed – Currently Not Collectible”

This determination saved Jordan from financial ruin and gave him time to rebuild his situation without the burden of constant IRS pressure. All of this was achieved without hiring an IRS tax attorney in Mesa AZ—proving that an experienced Enrolled Agent can be just as effective in achieving a successful IRS resolution.

IRS TAX ATTORNEY MESA AZ

IRS TAX ATTORNEY MESA AZ


What Does “Currently Not Collectible” Mean?

When the IRS determines that a taxpayer is unable to pay due to financial hardship, they can classify the case as Currently Not Collectible (CNC). This means the IRS temporarily suspends all collection efforts—no more threatening letters, no levies, no wage garnishments.

However, interest and penalties continue to accrue. The IRS periodically reviews the taxpayer’s financial condition to determine if the situation has improved. If not, the CNC status remains in place until the taxpayer’s ability to pay changes or the collection statute expires (usually ten years from the date of assessment).

For Jordan, this resolution provided immediate relief and breathing room. It was the perfect fit for his current financial reality—something Scott Allen, EA was able to identify and secure efficiently.


Why Choose a Local Enrolled Agent in Mesa Instead of an IRS Tax Attorney?

Here are the top reasons why Mesa residents often find that working with an Enrolled Agent like Scott Allen, EA is the smart, cost-effective, and practical alternative to hiring an IRS tax attorney in Mesa AZ:

  1. Full IRS Representation Authority
    Enrolled Agents can represent clients before all divisions of the IRS, including collections, audits, and appeals—just like tax attorneys and CPAs.

  2. Specialization in IRS Resolution
    While tax attorneys may focus on legal disputes or court representation, Enrolled Agents like Scott Allen dedicate their entire practice to resolving IRS problems—unfiled returns, back taxes, and settlements.

  3. Affordable and Transparent Fees
    Tax attorneys often bill by the hour, and rates can be extremely high. Scott Allen, EA offers personalized, flat-rate pricing structures, allowing clients to know their total cost upfront.

  4. Local Mesa Expertise
    Tax Debt Advisors, Inc. has been serving Mesa and the Phoenix East Valley for over four decades. Clients meet face-to-face with Scott Allen, EA—not a salesperson or an out-of-state representative.

  5. Personalized Family Business Approach
    As a family-owned firm, Tax Debt Advisors treats every client like family. Each case is handled with compassion, honesty, and integrity—values that large law firms and national tax resolution chains often lack.

  6. Proven Track Record
    The success of Jordan’s case is just one of hundreds of real-world examples where Scott Allen, EA has negotiated settlements, stopped levies, and resolved long-standing IRS debts.


Understanding the Different Types of IRS Resolutions

Every taxpayer’s situation is unique, which is why having a knowledgeable representative like Scott Allen, EA is so important. Below are some of the most common forms of IRS relief that he assists with—often the same solutions an IRS tax attorney in Mesa AZ would recommend.

  • Currently Not Collectible (CNC): Temporarily halts IRS collections when a taxpayer can’t pay.

  • Installment Agreements: Sets up affordable monthly payments based on income and expenses.

  • Offer in Compromise: Settles IRS debt for less than the full amount owed if the taxpayer qualifies.

  • Penalty Abatement: Requests reduction or removal of IRS penalties for reasonable cause.

  • Innocent Spouse Relief: Protects individuals unfairly burdened by a spouse’s tax issues.

  • Tax Return Preparation: Filing accurate, back-dated returns to bring taxpayers back into compliance.

Scott Allen, EA has extensive experience navigating these options and knows how to communicate effectively with the IRS to get results.


The Value of Local, Face-to-Face Representation

In today’s digital age, many taxpayers are lured by online advertisements from national tax resolution companies claiming to solve IRS debt. Unfortunately, these companies often overpromise and underdeliver—charging high upfront fees without providing real, local representation.

At Tax Debt Advisors, Inc., clients meet directly with Scott Allen, EA at the firm’s Mesa office. He takes the time to listen, understand the situation, and develop a personalized resolution plan. That local touch makes all the difference. When you work with someone who lives and works in your community, you can trust that they’ll be there every step of the way until your case is resolved.


IRS Tax Attorney vs. Enrolled Agent: Which One Is Right for You?

If your situation involves criminal tax charges or active litigation, then hiring an IRS tax attorney in Mesa AZ might be appropriate. However, for the vast majority of taxpayers—those facing back taxes, unfiled returns, or collection threats—an Enrolled Agent can provide the same representation power, often more efficiently and affordably.

The bottom line: You don’t need to hire an expensive tax attorney to stop an IRS garnishment or settle your debt. A local Enrolled Agent like Scott Allen, EA can guide you through every step with professionalism, experience, and compassion.


Get Help Today from Tax Debt Advisors, Inc.

If you are a Mesa resident struggling with IRS tax problems—whether it’s years of unfiled returns, large back tax balances, or ongoing collection threats—help is available right here in your community.

Scott Allen, EA of Tax Debt Advisors, Inc. is ready to evaluate your situation, explain your best options, and develop a customized strategy to get your IRS problems resolved—without the need to hire an expensive IRS tax attorney in Mesa AZ.

Call 480-926-9300 today to schedule your free consultation with Scott Allen, EA. Discover how working with a trusted, local Enrolled Agent can help you achieve real, lasting IRS relief.


About Tax Debt Advisors, Inc.

Founded in 1977, Tax Debt Advisors, Inc. is a family-owned tax resolution firm located in Mesa, Arizona. The company specializes in helping individuals and small businesses resolve IRS and state tax issues, file back tax returns, stop garnishments, and negotiate settlements.

With over four decades of experience, Scott Allen, EA, continues the family tradition of offering honest, local representation to taxpayers across the Phoenix East Valley—including Gilbert, Chandler, Tempe, Scottsdale, and Apache Junction.

For Mesa taxpayers looking for real answers—not sales pitches or high legal fees—Tax Debt Advisors, Inc. remains the trusted local alternative to hiring an IRS tax attorney in Mesa AZ.

1 2 3 … 15