Mesa AZ IRS Settlement in 2025!
Mesa AZ IRS Settlement Help – How Scott Allen EA Helped Olivia Find Relief from Back Taxes
Dealing with the IRS is one of the most intimidating challenges a taxpayer can face. From unfiled back tax returns to threatening collection notices, the stress can feel overwhelming—especially if the balances owed seem impossible to overcome. Fortunately, for taxpayers in Mesa, Arizona, there is real, local help available. For decades, Tax Debt Advisors, Inc., a family-owned business since 1977, has been guiding Arizona residents through these difficult situations. Under the direction of Scott Allen, EA, countless individuals and families have been able to file their back taxes, resolve their IRS debts, and finally get the IRS off their backs.
This is exactly the story of Olivia, a Mesa taxpayer who turned to Scott Allen EA for help with her overwhelming IRS problem. After years of tax debt piling up, Olivia hired Tax Debt Advisors, Inc. to file her unfiled returns and negotiate directly with the IRS. The result: her case was officially closed as “Currently Not Collectible”—a powerful form of IRS settlement that protected her from collections on a debt of more than $64,000.
Olivia’s Struggle with IRS Debt
Like many taxpayers, Olivia’s tax problems didn’t start overnight. A combination of unfiled tax returns and unpaid balances from prior years had built up into a debt that she simply could not pay. By the time she sought professional help, the IRS was tracking liabilities from multiple years: 2016, 2017, 2021, and 2023. The total balance, including penalties and interest, had ballooned to $64,077.41.
The IRS had already sent Olivia notices and warnings about potential collection actions. Without resolution, she faced the risk of:
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Wage garnishments
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Bank account levies
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Liens on personal property
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The constant stress of IRS enforcement
Olivia knew she couldn’t navigate this alone. That’s when she reached out to Scott Allen EA at Tax Debt Advisors, Inc., right here in Mesa, AZ.
Why Olivia Chose a Local Mesa IRS Settlement Expert
When searching for help with IRS debt, taxpayers are often bombarded by advertisements from large, out-of-state tax resolution companies promising to settle debts for “pennies on the dollar.” Unfortunately, many of these companies operate as call centers, making unrealistic promises and charging thousands of dollars without ever delivering meaningful results.
Olivia wanted something different—someone local, trustworthy, and experienced. She found that in Tax Debt Advisors, Inc., a family business that has been serving the Mesa community since 1977. Led by Scott Allen EA, the firm specializes in:
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Filing back tax returns
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Negotiating directly with the IRS
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Securing settlements such as payment plans, offers in compromise, and Currently Not Collectible (CNC) status
Most importantly, Olivia knew that Scott Allen EA would personally represent her before the IRS as her Power of Attorney (Form 2848). Unlike the faceless call centers, she would meet with him face-to-face, get clear answers, and know exactly what was happening every step of the way.
Filing Back Tax Returns: The First Step
The IRS will not negotiate a settlement until all required tax returns are filed. Scott Allen EA’s first task was to get Olivia caught up on her unfiled back tax returns. This meant preparing accurate returns for the missing years and making sure they were properly submitted.
This step is critical for two reasons:
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IRS Compliance Requirement – Without all returns filed, the IRS refuses to negotiate.
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Accuracy of Debt – Sometimes the IRS files a substitute return (SFR) on behalf of the taxpayer. These returns often exaggerate the liability because they don’t include deductions, credits, or filing status advantages. By filing correct returns, Scott Allen EA ensured that Olivia’s debt was accurate—and not artificially inflated.
After completing the filings, Scott had a clear picture of Olivia’s actual IRS debt, allowing him to move forward with the settlement process.
Negotiating a “Currently Not Collectible” (CNC) Settlement
Once the returns were filed, the focus shifted to the settlement strategy. Olivia’s financial reality made it impossible for her to make monthly payments toward her $64,000 debt. Through a detailed financial analysis—reviewing her income, living expenses, and assets—Scott Allen EA was able to demonstrate to the IRS that Olivia simply could not pay.
The IRS agreed. On September 3, 2025, the IRS issued official confirmation that Olivia’s account was placed into “Currently Not Collectible” status. This is one of the most effective forms of IRS settlement help for taxpayers in Mesa AZ who genuinely cannot afford to pay their tax debt.
What Does “Currently Not Collectible” Mean?
Many taxpayers are unfamiliar with the term “Currently Not Collectible” (CNC). Here’s what it means and why it mattered for Olivia:
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Collection Stopped – The IRS halted all collection activities, including levies and garnishments.
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Time Bought – Olivia gained peace of mind knowing that as long as her financial situation remained the same, the IRS would not pursue her for payment.
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Debt May Expire – IRS debt does not last forever. There is a 10-year statute of limitations on collections. If the debt is not collected within that period, it legally expires.
Although the IRS will continue to send annual reminder notices and apply future tax refunds to the balance, Olivia now has the breathing room she desperately needed. Most importantly, she no longer lives under the daily threat of IRS enforcement.
The Importance of Professional Representation
Olivia’s case illustrates why professional representation matters. The IRS is not sympathetic to taxpayers who approach them unprepared. Without the right strategy, she might have been pushed into a high monthly payment plan she could not afford, leading to default and renewed collection actions.
By working with Scott Allen EA, Olivia had:
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A licensed Enrolled Agent negotiating directly with the IRS
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A representative who knew the local Arizona IRS offices and revenue officers
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Someone who took the time to explain every option in plain English
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The assurance that her case was being handled correctly the first time
Why Mesa Taxpayers Choose Tax Debt Advisors, Inc.
There are several reasons why Tax Debt Advisors, Inc. has been the trusted name for IRS settlement help in Mesa AZ for nearly five decades:
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Local Expertise – Serving Mesa and surrounding communities (Phoenix, Gilbert, Chandler, Tempe, Scottsdale, Queen Creek) since 1977.
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Family-Owned Integrity – A second-generation business built on reputation and personal trust.
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Face-to-Face Service – Clients meet directly with Scott Allen EA, not a salesperson or out-of-state call center employee.
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All IRS Settlement Options – From payment plans to Offers in Compromise to CNC status, Scott evaluates every option to find the best solution.
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Experience with Back Tax Returns – Preparing accurate returns is often the key to reducing inflated IRS balances.
Lessons from Olivia’s IRS Settlement Success
Olivia’s case provides valuable lessons for any taxpayer in Mesa AZ struggling with IRS debt:
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Don’t Wait Too Long – IRS penalties and interest add up quickly. The sooner you take action, the better.
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File All Returns – Settlement cannot begin until you are in compliance with your filings.
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Explore All Options – Every taxpayer’s financial situation is unique. CNC, payment plans, or offers in compromise may all be options depending on the case.
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Hire Local Help – A local representative like Scott Allen EA understands the nuances of the Arizona IRS offices and provides direct, personal service.
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Peace of Mind is Possible – Even with large debts, there are solutions that can stop collection activity and bring relief.
Moving Forward: Olivia’s Future with the IRS
Now that Olivia is in CNC status, she can move forward without the fear of bank levies or wage garnishments. While she still technically owes the debt, she has time to stabilize her financial situation. If her circumstances improve, she can revisit settlement options like an Offer in Compromise. If not, she may eventually see the debt expire with the IRS’s statute of limitations.
Most importantly, Olivia can now focus on staying compliant with her future tax filings, avoiding the mistakes that led to her IRS problem in the first place.
Final Thoughts – Mesa AZ IRS Settlement Help You Can Trust
Olivia’s story is just one of many. Every year, Tax Debt Advisors, Inc. helps taxpayers across Mesa and the Phoenix area find relief from overwhelming IRS debt. Whether it’s filing years of back returns, negotiating payment arrangements, or securing CNC status, Scott Allen EA brings the experience, knowledge, and local trust that national firms simply cannot match.
If you are facing IRS problems, don’t face them alone. You don’t need to gamble with out-of-state companies making unrealistic promises. You deserve local, professional IRS settlement help in Mesa AZ from a family-owned firm that has been serving your community since 1977.
If you or someone you know is struggling with unfiled back tax returns or IRS debt, contact Scott Allen EA at Tax Debt Advisors, Inc. today. Schedule a confidential consultation to discuss your options and take the first step toward peace of mind.
Mesa AZ IRS Settlement Help is only a phone call away.










