Offer in Compromise

Settle your tax debt for less than you owe

An Offer in Compromise (OIC) is an agreement with the IRS to settle your tax debt for less than the full amount — when paying in full would create genuine financial hardship. You've seen the ads promising miraculous settlements. Here's the honest version: the IRS accepts a minority of offers, and the math is unforgiving.

That's exactly why you want a CPA's read first. If you qualify, we build the strongest possible offer. If you don't, we point you at the option that actually works — instead of taking your money for a doomed application.

• Brutally honest pre-qualification — the same financial math the IRS will run
• If you qualify: the offer prepared, documented, and submitted
• Handling of IRS questions and counter-proposals during review
• If you don't qualify: a clear recommendation of what will actually work
• No application fees wasted on offers that were never going to be accepted

How it works

1. Free consultation — the story behind the debt and a first look at the numbers.
2. Pre-qualification — we run the IRS's own formula against your finances.
3. Decision point — green light means we build the offer; red light means we pivot to a better option, honestly.
4. Submission — the offer package, documented to IRS standards.
5. Negotiation — we handle the back-and-forth until there's a decision.