Possible IRS Solutions
Possible IRS Solutions
Non-Disclosure Installment Agreement
A Non-Disclosure Installment Agreement is a confidential arrangement between a taxpayer and the IRS that allows the taxpayer to pay off their tax debt in monthly installments. Unlike standard agreements, the specific terms and existence of the agreement are not publicly disclosed, typically to protect sensitive personal or business information.
Definition: A Non-Disclosure Installment Agreement (NDIA) is a formal arrangement where a taxpayer agrees to pay off owed taxes over time, with an understanding that certain details of the agreement will not be publicly disclosed.
Confidential Terms: The specific terms, such as the amount owed, the payment schedule, and any penalties, may be kept confidential to protect taxpayer privacy.
Eligibility: Installment agreements are available to ALL taxpayers who owe less than $100,000 in tax debt to the IRS.
Taxpayer’s Rights: Under this agreement, taxpayers retain their legal rights and protections while still making regular payments. They can appeal or modify terms if they face changes in circumstances.
Duration & Payment Terms: The agreement specifies the payment duration (usually monthly) and the total amount, which may include interest and penalties. Payments must be made in a timely manner to avoid default.
Enforcement & Penalties: If the taxpayer fails to uphold the terms, the IRS can revoke the NDIA, subject the taxpayer to public disclosure, or take legal action to recover the owed taxes.
Non-Collectible Agreement
An IRS Non-Collectible Agreement, also known as Currently Not Collectible (CNC) status, temporarily halts IRS collection actions when a taxpayer is unable to pay due to financial hardship. While in CNC status, the debt remains, and interest and penalties continue to accrue, but no payments are required unless the taxpayer’s financial situation improves.
Definition: A Non-Collectible agreement, or Currently Not Collectible (CNC) status, is when the IRS temporarily suspends collection efforts on a taxpayer’s debt because they are experiencing significant financial hardship and cannot afford to pay.
Eligibility: Taxpayers must demonstrate that their income and assets are insufficient to cover basic living expenses (like food, shelter, and healthcare). The IRS will review the taxpayer’s financial situation to determine eligibility.
No Collection Actions: While in CNC status, the IRS will stop aggressive collection actions, such as wage garnishments, bank levies, or liens, and will not demand immediate payments on the outstanding balance.
Temporary Status: CNC status is not permanent. It is typically reviewed annually or when the taxpayer’s financial situation changes. If the taxpayer’s ability to pay improves, the IRS may reinstate collection efforts or move the taxpayer to another repayment plan.
Interest & Penalties Continue: Even though collection actions are suspended, interest and penalties continue to accrue on the unpaid balance during the CNC period, which means the amount owed will increase over time.
Duration: CNC status generally lasts for a maximum of 10 years, the statute of limitations on IRS collections. After this period, the IRS may write off the debt, but this depends on the taxpayer’s situation at that time.
Partial Pay Installment Agreement
A Partial Pay Installment Agreement is an IRS payment plan that allows a taxpayer to make monthly payments on a tax debt that they cannot fully pay before the collection period expires. The remaining balance may be forgiven once the statute of limitations runs out, provided the taxpayer stays in compliance with the agreement..
Definition: A Partial Pay Installment Agreement (PPIA) allows a taxpayer to pay off their IRS debt in monthly installments for a set period, with the understanding that they may not be able to fully pay the total amount owed before the statute of limitations expires.
Eligibility: PPIAs are typically offered to taxpayers who can demonstrate an inability to pay the full tax liability. The IRS will assess the taxpayer’s financial situation, including income, expenses, and assets.
Lower Monthly Payments: Under a PPIA, the taxpayer agrees to pay a reduced amount each month, which is less than the full balance owed. However, the remaining balance is forgiven once the statute of limitations on collections (generally 10 years) expires.
Statute of Limitations: The agreement is structured around the IRS’s 10-year collection period, meaning the taxpayer’s debt may be forgiven if they make regular payments over the term, even if the balance isn’t fully paid off.
Review of Financials: The IRS regularly reviews the taxpayer’s financial situation to ensure they are still eligible for the reduced payments. If the taxpayer’s financial situation improves, the IRS may increase the monthly payment amount.
Default & Penalties: If the taxpayer fails to meet the payment terms or does not remain in compliance, the IRS can terminate the agreement, and the full balance owed will become due immediately. Penalties and interest will continue to accrue.
IRS Offer in Compromise
An IRS Offer in Compromise allows a taxpayer to settle their tax debt for less than the full amount owed, based on their financial inability to pay the full balance. If accepted, the taxpayer must meet all terms of the agreement and stay compliant with tax obligations for five years.
Definition: An Offer in Compromise (OIC) is a program that allows taxpayers to settle their tax debt for less than the full amount owed, based on their ability to pay, income, and assets.
Eligibility: Taxpayers must demonstrate that paying the full tax debt would cause financial hardship or that there is doubt about the collectability of the debt. The IRS evaluates the taxpayer’s financial situation, including income, expenses, and assets.
Types of Offers: There are three types of OIC:
Doubt as to Liability: The taxpayer believes they don’t owe the full amount of taxes.
Doubt as to Collectibility: The taxpayer cannot pay the full amount due to financial hardship.
Effective Tax Administration: The taxpayer can pay but doing so would cause undue hardship or financial difficulty.
Application Process: The taxpayer must submit a detailed application with the IRS, including IRS forms (like Form 656 and Form 433-A), and a non-refundable application fee. The taxpayer must also make an initial payment, depending on the offer terms.
IRS Review & Acceptance: The IRS will review the offer and may accept, reject, or make a counteroffer. Acceptance typically requires the taxpayer to adhere to specific payment terms. If accepted, the taxpayer is required to pay the offer amount in a lump sum or through installments.
Consequences of Acceptance: Once an OIC is accepted, the taxpayer’s tax liability is settled, and the remaining debt is forgiven. However, the taxpayer must remain compliant with all future tax filings and payments for a period of five years, or the IRS may revoke the agreement.
Frequently Asked Questions
1. What makes the Fresh Start Blueprint Protocol™ different from “tax relief” companies I see online?
Most “tax relief” firms are marketing companies — not licensed tax representation.
They scare people into signing retainers before even reviewing their IRS data.
The Fresh Start Blueprint Protocol™ is the opposite.
We start with a verified IRS Transcript Deep Dive™, where we decode your actual IRS records and build a Resolution Map™ based on facts, not fear.
It’s structure, not sales. Clarity, not confusion.
2. How does the process work, step-by-step?
Every client follows the same 4-stage system:
- Transcript Deep Dive™ — We pull your official IRS records and translate them into plain English.
- Resolution Map™ — You receive a personalized plan outlining every legal option available.
- Protection Layer™ — We immediately stop collections, garnishments, and levies.
- Fresh Start Execution™ — We file, negotiate, and finalize your case until you’re 100% resolved.
This system ensures every step moves you closer to closure — no surprises, no chaos.
3. How much does it cost to resolve my tax issue?
Every case is different, but the initial IRS Resolution Map™ is free (normally $1,650 value).
After that, you’ll know your exact situation, strategy, and estimated cost before committing to anything.
We believe in transparency before transaction — no upfront retainers for “maybe” work.
4. What if I owe less than $25,000? Can you still help?
Absolutely.
Many “tax relief” firms turn you away if you owe under $25K because your case isn’t “profitable” for them.
Our system is built to find the most efficient path — regardless of balance.
If your issue can be resolved quickly or internally, we’ll show you exactly how — even if that means you don’t need us long-term.
5. How quickly can you stop collection calls or wage garnishments?
In many cases, within 24–48 hours of engagement.
The Protection Layer™ is designed to stop the bleeding first — by communicating directly with the IRS on your behalf, halting wage garnishments and levies while we finalize your resolution plan.
6. What happens during my Fresh Start Blueprint Session™?
You’ll meet 1:1 with a licensed professional (not a sales rep).
They’ll walk you through your IRS transcript, identify available programs (like Offers in Compromise or hardship status), and map out your next steps using our proprietary system.
By the end of the session, you’ll know three things:
- Exactly where you stand
- Which programs you qualify for
- What it will take to reach full resolution
No jargon. No pressure. Just clarity.
7. Is my information secure and confidential?
Yes — absolutely.
We’re federally authorized tax professionals and operate under IRS Circular 230 confidentiality standards.
Your information is protected by both legal and technical safeguards, including encrypted document handling.
8. Will this hurt my credit?
In most cases, resolving your IRS issue actually protects your credit.
Liens, levies, and wage garnishments are what damage your score — the faster we stabilize your file, the better.
The Tax Peace Protocol™ is designed to remove those threats quickly.
9. What if I’ve already worked with a “tax relief” company that failed?
You’re not alone.
Many clients come to us after paying thousands for empty promises.
The good news: once we pull your IRS transcript, we can salvage your case — often reopening closed files, reinstating lost protections, and completing what others never started.
We call this Resolution Recovery™ — and it’s part of your Fresh Start Execution™ phase.
10. Who will actually handle my case?
Every client is represented by a licensed EA (Enrolled Agent) or Tax Attorney — not a salesperson.
Our team handles communication directly with the IRS from start to finish, so you never have to deal with IRS calls, letters, or confusion again.
11. How long does the process take?
Most clients reach stability (no active IRS threats) within 1–2 weeks.
Full resolution can take anywhere from 30–120 days, depending on complexity.
You’ll always know your stage inside the Fresh Start Blueprint Dashboard, so you’re never left guessing.
12. What’s my next step?
Simple —
Book your free Fresh Start Blueprint Session™ today.
We’ll pull your IRS transcript, review it with you in plain English, and build your personalized IRS Resolution Map™.