Written by Scott Allen

My Husband Left Me With IRS Tax Debt. Do I Need a Phoenix AZ IRS Tax Attorney?

Phoenix AZ IRS Tax Attorney or a licensed Enrolled Agent:

This situation is not a legal matter and does not require a Phoenix AZ IRS tax attorney.  The most common removal of the IRS tax debt is to file for innocent spouse relief.  Many wives find out that they owe large amounts of money to the IRS after their divorce or the death of their husband.

Often times the husband has not reported income or taken deductions that are disallowed by the IRS.  As long as the income was attributable to the actions of the husband and the wife did not benefit financially from this action, she can be relieved of the tax debt.  In other words, if the wife has a new car and a nice home from the bogus actions of her husband, she has benefited from his action and the wife would need to either sell the home or trade in her vehicle for a lower cost one to qualify for injured spouse status.

If the wife has been divorced or living apart for the last 12 months, the wife has 2 years to elect to file as married filing separately.  This allows the wife to be taxed only on the money she earned and not the income that was not reported to the IRS.

Scott Allen E.A. can help you sort through your scenario to see if you qualify for this tax procedure.  He is available for a free consultation at 480-926-9300.  Scott is not a Phoenix AZ IRS Tax Attorney but rather a licensed Enrolled Agent here in Arizona.

 

Written by Scott Allen

IRS Tax Settlement Options in Arizona: Free Consultation

Arizona IRS Settlement Options

Here is a quick checklist:

  • ·         A monthly payment plan
  • ·         Pay the debt off in full
  • ·         Let the statute of limitations run out
  • ·         File an Appeal
  • ·         Utilize an Audit Reconsideration
  • ·         File an Offer in Compromise
  • ·         Seek relief as an innocent spouse
  • ·         Qualify for a non collectible status
  • ·         Discharge the taxes in bankruptcy
  • ·         Penalty abatement

There are pros and cons to each of these options.  Each has the opportunity to settle your tax debt.  Call today for a free initial confidential consultation to determine what your next step should be.  My office is conveniently located near Lindsey and Southern Avenue.

Scott Allen, E.A. – Tax Debt Advisors, Inc

IRS Tax Settlement Options in Arizona:  Free Consultation

Mesa, Apache Junction, Avondale, Buckeye, Carefree, Cave Creek, Chandler, El Mirage, Fountain Hills, Gila Bend, Gilbert, Glendale, Goodyear, Komatke, Litchfield Park, Luke AFB, Paradise Valley, Peoria, Phoenix, Queen Creek, Scottsdale, Sun City, Sun Lakes, Surprise, Tempe, Tolleson, Waddell, Whitman, Wickenburg, Youngstown, Flagstaff, Tucson, Payson, Winslow, Sierra Vista, Page, Prescott, Globe, Yuma, AZ

Apache County, Cochise County, Coconino County, Gila County, Graham County, Greenlee County, La Paz County, Maricopa County, Mohave County, Navajo County, Pima County, Pinal County, Santa Cruz County, Yavapai County, Yuma County

 

Written by Scott Allen

Will the IRS accept payments on my IRS tax debt? From Tax Debt Advisors, Inc.

IRS Tax Debt Payments

If you cannot pay the IRS off in full, you are allowed to make monthly payments called an Installment Arrangement.  I will tell you before any contact is made with the IRS what amount the IRS will accept on a monthly basis.  Approximately 30% of my clients qualify to make NO payment—called a non-collectible status.  Approximately 15% of my clients will discharge their taxes in a Chapter 7 Bankruptcy and pay nothing.  Almost 100% of the clients are surprised at the settlements I am able to get representing them before the IRS.  I don’t claim to have any special talent other than knowing the law and following through for you!

Call for a free confidential consultation to see what you qualify for.  I will speak with you personally.

Scott Allen, E.A. – Tax Debt Advisors, Inc

www.TaxDebtAdvisors.com

 

Written by Scott Allen

Local IRS offices in California: IRS help from Tax Debt Advisors, Inc

Are you in need of locating the most convenient IRS office?  Below is a list of all IRS office addresses and phone numbers in California. For other local IRS office locations click here.

Bakersfield IRS Office:  4825 Coffee Rd #200  Bakersfield, CA  93308  Phone:  844-545-5640

Camarillo IRS Office:  751 Daily Dr  Camarillo, CA  93010  Phone:  844-545-5640

Carpinteria IRS Office:  1145 Eugenia Pl #201 Carpinteria, CA 93013  Phone:  844-545-5640

El Centro IRS Office:  2345 S Second St  El Centro, CA  92243  Phone:  844-545-5640

El Monte IRS Office:  9350 East Flair Dr  El Monte, CA  91731  Phone:  844-545-5640

Fresno IRS Office:  2525 Capitol St  Fresno, CA  93721  Phone:  844-545-5640

Laguna Niguel IRS Office:  24000 Avila Rd  Laguna Niguel, CA  90802  Phone:  844-545-5640

Long Beach IRS Office:  501 W Ocean Blvd  Long Beach, CA  90802  Phone:  844-545-5640

Los Angeles IRS Office:  300 N Los Angeles St #1259  Los Angeles, CA  90012  Phone:  844-545-5640

Modesto IRS Office:  1700 Standiford Ave Modesto, CA 95350  Phone:  844-545-5640

Oakland IRS Office:  1301 Clay St  Oakland, CA  94612  Phone:  844-545-5640

Palm Springs IRS Office:  556 S Paseo Dorotea  Palm Springs, CA  92264  Phone:  844-545-5640

Redding IRS Office:  850 Industrial St  Redding, CA  96002  Phone:  844-545-5640

Sacramento IRS Office:  4330 Watt Ave  Sacramento, CA  95821  Phone:  844-545-5640

Salinas IRS Office:  928 East Blanco Rd #121  Salinas, CA  93901  Phone:  844-545-5640

San Bernardino IRS Office:  290 North D St  San Bernardino, CA  92401  Phone:  844-545-5640

San Diego IRS Office:  880 Front St  San Diego, CA  92101  Phone:  844-545-5640

San Francisco IRS Office:  450 Golden Gate Ave  San Francisco, CA  94102  Phone:  844-545-5640

San Jose IRS Office:  55 S Market St #100  San Jose, CA  95113  Phone:  844-545-5640

San Marcos IRS Office:  1 Civic Center Dr  San Marcos, CA  92069  Phone:  844-545-5640

Santa Ana IRS Office:  801 Civic Center Dr W  Santa Ana, CA  92701  Phone:  844-545-5640

Santa Barbara IRS Office:  1332 Anacapa St  Santa Barbara, CA  93101  Phone:  844-545-5640

Santa Maria IRS Office:  2384 Professional Parkway  Santa Maria, CA  93455  Phone:  844-545-5640

Santa Rosa IRS Office:  777 Sonoma Ave  Santa Rosa, CA  95404  Phone:  844-545-5640

Stockton IRS Office:  4643 Quail Lakes Dr  Stockton, CA  95207  Phone:  844-545-5640

Van Nuys IRS Office:  6230 Van Nuys Blvd  Van Nuys, CA  91401  Phone:  844-545-5640

Visalia IRS Office:  5300 W Tulare St  Visalia, CA  93277  Phone:  844-545-5640

Walmut Creek IRS Office:  185 Lennon Ln  Walnut Creek, CA  94598  Phone:  844-545-5640

Tax Debt Advisors, Inc – Scott Allen, E.A.

3155 E Southern Ave  Ste 101  Mesa, AZ  85204  Phone:  480-926-9300 

 

Written by Scott Allen

Arizona State tax debt

Arizona State Tax Debt

Debts owe to the State of Arizona are handled by the Arizona Department of Revenue.  Settlements and are handled very much the same way as they are with the IRS.  There are some important differences.  I advise clients to first file and settle with the IRS and then file and settle with the Arizona Dept. of Revenue (AZDOR) in most cases.  If you are filing old returns from prior years, Arizona will often wait until the IRS accepts the federal return before accepting a return filed with them for the same year.  Also, the State of Arizona is much more aggressive on collecting taxes on smaller amounts owed than the IRS is on larger amounts owed.

It is best to make your decisions on settlement once you know what you will owe to both the IRS and AZDOR and your ability to make payments on your combined tax debt.  There are some situations when settling up with the State before settling with the IRS makes more sense.  A consultation with a professional representative will help avoid painting yourself in a corner on one tax debt and leave you vulnerable to serious financial troubles in dealing with the other.

Scott Allen E. A.

Tax Debt Advisors, Inc

www.stopIRSaction.com

 

Written by Scott Allen

Will the IRS reinstate my payment plan if I default?

IRS, Please reinstate my payment plan

Yes, if it is the first time you have defaulted and you contact them as soon as you can after failing to make your payment.  In most cases you will have to bring yourself current on the payment due and the payment missed to be reinstated.

If you have defaulted more than once, and you are an employee, the IRS will likely garnish your paycheck for the monthly amount.   If you have defaulted and are several months behind, the IRS will likely require new financial information to verify the amount they want you to send in each month.  This can be a good thing.  If you have been unable to make your monthly payment because your income has gone down or an allowable expense has increased, the IRS will reduce your monthly payment accordingly.

There are some situations when strategically defaulting on a payment plan should be done to reduce your payment.  If you are considering this, you should make sure your actions will improve your resolution of the tax debt.  This would be a good time to have a consultation with a resolution specialist. Scott Allen EA is located in Mesa Arizona and you can schedule an in person or phone appointment to discuss your specific situation.

Scott Allen E. A.

Tax Debt Advisors, Inc

www.stopIRSaction.com

 

Written by Scott Allen

Can I adjust my monthly payment plan with the IRS?

Monthly Payment Plan with the IRS

The answer is yes.  If you want to send in more, just send the addition amount you want to  send.  The IRS will always accept more and will not adjust your monthly requirement just because you start paying more.  However, remember that no matter how much you send in, you still have to pay the minimal amount due each month.  You do not build up any “credit” towards future payments by sending in more.

If you situation has changed and you want to lower your monthly payment plan with the IRS commitment.  That is possible too, but it will require a “strategic default.”  Before you default on making your payment, you should have a good idea what your new monthly amount the IRS will expect.  We advise our clients what their new amount will be ahead of the strategic default.  When the default notice comes, we are prepared ahead of time to immediately call the IRS and renegotiate a new payment plan before any levy action is taken against our client’s wages or bank accounts.

There are probably other strategies that you are unaware of that can reduce you monthly payment plan even lower that what you are seeking.  If you do not have medical insurance or need a new vehicle you can get your payment plan reduced and improve you living standards as well.  If you need help to reduce your monthly payment plan with the IRS, call me for a consultation at 480-926-9300.

Scott Allen E. A.

Tax Debt Advisors, Inc

www.stopIRSaction.com

 

Written by Scott Allen

WHAT CAUSED MY IRS PAYMENT PLAN TO DEFAULT?

IRS Payment Plan Default

When you default on an installment arrangement there is no explanation.  The most common reasons are:

  • You didn’t send in your payment or your payment was late.  If you call immediately upon receiving the notice, you can usually be reinstated as soon as your payments are current.  Don’t depend on the IRS vouchers as a reminder to make your payment.  Vouchers can come to you after the due date or not at all.  Have a note on your calendar to make your payment whether or not the voucher shows up.  If you send in a payment without a voucher, include your social security number, the tax year to apply the payment (2020-1040) and have your phone number on the check.
  • You filed your return late or did not pay your taxes in full when you filed your return.  One of the conditions of having a payment plan with the IRS is that you don’t get behind on filing or paying in the future.  Again, the IRS will likely reinstate the agreement if you can bring your payments current and you contact them immediately after receiving the notice of default.  To prevent this from happening in the future make sure your estimated taxes are paid timely if you are self employed or that your withholdings are sufficient if you are an employee.

If you default and you have to renegotiate your payment plan with the IRS it is unlikely you will get the same payment amount.   If your financial situation has worsened, your payment amount will be reduced.  Likewise, if your financial situation has improved, your payment amount will go up.  Rather than just go back into another installment arrangement, I advise our clients to reevaluate to see if there is another settlement option that would be better now that their situation has changed.

There are legitimate situations where I advise clients to strategically default on purpose so that a better settlement can be reached with the IRS.  This should only be done with the help of a professional representative who can guide you through the renegotiation process. Our company has over 45 years of tax preparation and IRS negotiation experience.

Scott Allen E. A.

Tax Debt Advisors, Inc.

Written by Scott Allen

WAGE GARNISHMENT AND IRS LEVY

Ways to stop Wage Garnishment and IRS Levy

When clients contact us about a garnishment or levy by the IRS on their wages they want it removed as quickly as possible. I understand that, but it is also prudent to make sure that any “posturing” that will help the situation long term is done first.

The IRS will allow reasonable amounts for living expenses before considering what amount is available for one’s historical tax debt. Before agreeing to a monthly payment plan to get the levy released, there are a number of posturing items to resolve as quickly as possible.

First, make sure your withholdings on your pay check is correct. If you are claiming too many exemptions, correct you W-4 form immediately so that you will not owe any taxes when you file the current year return. Every additional dollar you have withheld will reduce your monthly payment by exactly the same amount.

Second, if you have a car that needs to be replaced or one that you own free and clear, you may want to consider getting a new or newer vehicle. Once you are locked in on a monthly payment amount, the IRS will file a tax lien and the lien will make it next to impossible to get a car loan. If you have an old vehicle that you own free and clear and you turn it in for a newer car, the payments you make will reduce the amount you have to pay on your historical tax debt dollar for dollar up to a certain amount. Right now that amount is $588.

Thirdly, if you don’t have health insurance consider getting a policy. Again, you reduce your monthly payment to the IRS on your past tax debt dollar for dollar on the cost of your insurance premiums. If you want health insurance instead of making a higher monthly payment to the IRS you will need to do this before the installment arrangement is entered into.

It is not possible in a short blog to list all of the items one needs to consider. Posturing can lower the amount the IRS will consider for an Offer in Compromise. It can qualify you for non-collectible status, and it can make it possible for you to discharge your taxes in bankruptcy and make no payment at all to the IRS on your past debt. Remember that these suggestions are not universal and need to be reviewed with a professional after making your representative knowledgeable of your financial affairs. Call and speak with Scott today do discuss the best settlement option for you.

Scott Allen E.A. – President

Tax Debt Advisors, Inc. – Since 1977

Mesa AZ IRS Installment Payment Plan

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