Resolving Over $380,000 in IRS Debt: How Scott Allen EA of Tax Debt Advisors, Inc. Helped One Arizona Taxpayer Get a Fresh Start

When faced with overwhelming IRS debt, many taxpayers feel like there’s no way out. Collection notices, wage garnishments, and levies can make daily life feel like a financial prison. Fortunately, for those in Gilbert, Arizona, there’s a reliable, family-owned business that’s been helping individuals resolve their tax problems since 1977—Tax Debt Advisors, Inc., led by Scott Allen, EA.

One recent success story involves a client named Darrell, who owed the IRS more than $380,000 for multiple years of unpaid taxes. Through a personalized approach, expert tax resolution strategies, and an in-depth understanding of IRS procedures, Scott Allen successfully negotiated a “Currently Not Collectible” (CNC) status on Darrell’s behalf, essentially halting all IRS collection activity.

This case not only highlights the complexity of large IRS debts but also the value of working with a seasoned local expert. Here’s how it all unfolded—and what others struggling with tax debt can learn from Darrell’s journey.

The Client: Darrell’s IRS Nightmare

Darrell, a taxpayer residing in Gilbert, Arizona, was facing IRS collections for unpaid taxes across 14 separate tax years, dating from 2009 through 2022. His tax debt ballooned to $381,962.32, including back taxes, interest, and penalties. For years, the IRS had the power to garnish his wages, seize his bank accounts, and intercept any potential federal refunds.

After countless sleepless nights, Darrell decided it was time to take action. He made a call that would change the trajectory of his financial life—he contacted Tax Debt Advisors, Inc. and spoke with Scott Allen, EA.

The Resolution: Currently Not Collectible (CNC) Status

Following a detailed financial analysis and submission of necessary documentation, Scott Allen was able to secure a Currently Not Collectible (CNC) determination from the IRS on Darrell’s behalf. This is a crucial IRS designation for taxpayers who cannot afford to make payments on their tax debt without causing significant financial hardship.

What is Currently Not Collectible (CNC)?

When the IRS places an account into Currently Not Collectible status, they essentially pause all collection efforts, including:

Wage garnishments
Bank levies
Property seizures
Collection letters and phone calls

However, this does not mean the debt disappears. The IRS continues to assess penalties and interest, and any future tax refunds may still be intercepted. But most importantly, CNC status gives taxpayers breathing room and prevents further damage to their financial stability.

In Darrell’s case, this status was not granted lightly. The IRS conducted a thorough review of his income, assets, and necessary living expenses. Scott Allen, using his decades of experience, strategically prepared and submitted a financial hardship package that proved Darrell’s inability to pay.

The Value of Local Expertise

Darrell’s success story is a testament to the importance of choosing a trusted, local tax professional rather than falling victim to misleading advertisements from out-of-state tax resolution firms.

Why Choose Tax Debt Advisors, Inc.?

Local Family-Owned Business Since 1977: Tax Debt Advisors, Inc. has been serving the East Valley—including Gilbert, Chandler, Mesa, and Tempe—for nearly 50 years. Founded by the Allen family, the business is now led by Scott Allen, EA, an Enrolled Agent licensed by the IRS to represent taxpayers in all 50 states.
One-on-One Personalized Service: Unlike national firms that treat clients like just another case number, Scott Allen meets face-to-face with each client to thoroughly evaluate their situation and tailor the best solution.
No Gimmicks, No Pressure: Many national firms charge thousands of dollars upfront, promising unrealistic “pennies on the dollar” settlements. Scott Allen offers an honest assessment and clear expectations—no hidden fees or false promises.
Experience You Can Trust: Having resolved thousands of IRS problems for Arizona residents, Scott knows the ins and outs of the IRS bureaucracy and how to navigate it effectively.

Beware of Out-of-State “IRS Help” Firms

Taxpayers seeking IRS debt help in Gilbert, Arizona are often targeted by aggressive marketing from national tax relief companies. These firms may appear professional on the surface, but many are notorious for:

Making false guarantees of settlements
Overcharging clients
Outsourcing cases to inexperienced staff
Failing to provide local, personalized support
Disappearing once the retainer is paid

Darrell, like many others, had seen these ads but wisely chose a local expert. His choice paid off.

If you’re considering hiring someone to help with IRS debt, ask yourself:

Can I meet this person face-to-face?
Do they have a physical office in Arizona?
Are they licensed to represent me before the IRS?
Do they have a track record of success in my community?

With Tax Debt Advisors, Inc., the answer to all those questions is a resounding yes.

IRS Debt and Unfiled Returns: A Common Combination

Many clients, like Darrell, not only have IRS debt but also unfiled tax returns. The IRS won’t consider any type of resolution—whether it’s a payment plan, offer in compromise, or CNC status—until all missing returns are filed.

Scott Allen, EA and his team at Tax Debt Advisors, Inc. offer complete support, including:

Filing past-due returns
Verifying IRS transcripts for accuracy
Identifying overstated IRS balances
Determining the best course of action (payment plan, CNC, or settlement)

They specialize in helping Gilbert, Arizona residents clean up years of IRS mess and get a fresh financial start.

A Brighter Future for Darrell

Although Darrell still technically owes the IRS $381,962.32, he now lives free from the daily pressure of aggressive collections. With his account placed into Currently Not Collectible status, he has time to rebuild his finances and focus on his future.

Under IRS rules, if the statute of limitations on collection expires (typically 10 years from the date of assessment) while in CNC status, the debt may eventually be wiped out. Until then, Darrell remains in compliance and in control—thanks to the expert guidance of Scott Allen and the team at Tax Debt Advisors, Inc. See his IRS settlement approval below.

Help with Gilbert AZ IRS Debt

Final Thoughts: Help is Closer Than You Think

If you or someone you know is struggling with IRS debt or unfiled tax returns, don’t wait for the IRS to take action. Help is available—and it’s right here in your backyard.

Scott Allen EA of Tax Debt Advisors, Inc. offers a no-cost initial consultation to assess your situation. Whether it’s negotiating a payment plan, filing years of back taxes, or securing a Currently Not Collectible status like Darrell’s, Scott is here to help.

Contact Tax Debt Advisors, Inc. Today

Location:
3155 E Southern Ave Ste 101
Mesa, AZ 85204-5520

Phone: (480) 926-9300
Website: www.TaxDebtAdvisors.com

Don’t Face the IRS Alone

Choose a local expert with nearly five decades of experience helping Arizona families just like yours. Choose Tax Debt Advisors, Inc. 480-926-9300