Free help from licensed tax pros. Not the IRS.Licensed tax pros in all 50 statesEspañol

Behind on taxes? Get real help

Free call back from a licensed tax pro. No upfront promises.

  • Licensed tax prosTax pros
  • Text confirmed requestsText code
  • Not the IRSNot the IRS
  • Free to useFree
Rideshare driversRideshare driver in his 40s leaning on his clean sedan at a curb, phone in hand

By the numbers

13.1 millionIRS accounts past due at the end of FY2025IRS Data Book
4.87 milliontaxpayers on an IRS payment planIRS Data Book
339,137IRS levies on banks, pay and more in FY2025IRS Data Book
About 1 in 7IRS offers accepted in FY2025 (5,464 of 38,797)IRS Data Book
Ways to get help

Real paths out of tax debt

Not sure which fits? A tax pro can tell you.

Man in his 50s shaking hands with a tax pro across a desk, both smiling, natural office light
Can't pay in full

Offer in compromise

Ask the IRS to take less than you owe. Hard to get.

See offer in compromise
Young woman setting up an automatic payment on a laptop at a cafe counter, relaxed
Can pay over time

Payment plan

Pay what you owe a little each month.

See payment plan
Older man in a cardigan reading a book in an armchair by a window, calm
Can't pay at all

Not collectible

The IRS pauses collection while money is too tight.

See not collectible
Couple in their 40s high fiving gently at their kitchen counter, laptop open
Hit with penalties

Penalty relief

Ask the IRS to remove late filing or late payment penalties.

See penalty relief
Woman in her 40s walking her dog on a tree lined street at sunrise, head up, light smile
Joint filers

Innocent spouse

Relief from tax your spouse caused on a joint return.

See innocent spouse
Man in work clothes leaving a bank, putting his card back in his wallet, small smile
Bank or pay seized

Levy release

Stop a levy on your bank account or other property.

See levy release
All help types

Results depend on your situation. Not every case qualifies.

IRS letters

Where your IRS letter fits

IRS bills come in order. Find yours.

  1. 1. CP14First bill for unpaid tax
  2. 2. CP501First reminder you still owe
  3. 3. CP503Second reminder you still owe
  4. 4. CP504Notice of intent to levy
  5. 5. LT11 or Letter 1058Final notice of intent to levy and your right to a hearing

Letters can come in a different order. Read your own letter. The code is in the top right corner.

Notice CP14Amount due
What it meansYou have a balance due.
Your options
  • Pay in full
  • Set up a payment plan
  • Call the IRS if it looks wrong
Decode my letter

Built around your work

Paid on a 1099? No tax taken out? We get it.

Self employedNo withholding means the tax bill comes all at once.Gig worker in a hoodie with a delivery bag on a bike at a city cornerGig workersApp pay is taxable, 1099 or not.Rideshare driversMiles matter when the 1099 comes.Delivery driver carrying a box up porch steps, brown jacket, smilingDelivery driversDelivery pay, no withholding.Owner operatorsYour own truck, your own Form 2290.Woman truck driver climbing into the cab of her rig, thermos in handTruck driversCompany W-2 or 1099 loads, taxes differ.Freelance writer in her 20s working on a laptop at a sunny cafe windowFreelancersClient pay comes in whole. Tax comes later.ContractorsCrew payroll is where tax debt hits hardest.Construction worker in a hard hat and vest carrying lumber on a sunny siteConstructionSeasonal work, 1099 pay, tax gaps.Electrician in a tool belt checking a panel in a new build, headlamp offElectriciansSide jobs count. So does the tax.
All jobs

Got an IRS letter or levy?

Find your situation. See the next step.

All situations
CP14 noticeYour first IRS bill for a balanceCP504 noticeThe IRS says it may levyLT11 or Letter 1058This letter comes with hearing rightsCP2000 noticeThe IRS thinks income was missedAudit letterThe IRS wants to check a returnPassport at riskBig tax debt can block a passportRefund takenYour refund can pay old tax debtSocial Security levyThe IRS can take part of benefits

Your life stage

In your 20sIn your 30sIn your 40sIn your 50sOver 60RetireesNewlywedsDivorcedWidowedSingle parentsNew parentsVeteransFirst year self employedNew business ownersSpanish speakers

How it works

1

Tell us what's going on

What you owe, who you owe and any letters. No Social Security number.

2

Confirm your phone

We text you a 6 digit code. It proves the number is yours, so nobody else can sign you up.

Your code is 481 207. Reply STOP to opt out.
481207
3

Talk to a tax firm

A tax firm looks at your situation, then calls you back. Say no any time.

TFTax firmCalling about your request
Can you call after 5? I'm on a job site.
No problem. Talk at 5:15.

Example screens. Your code and firm will be different.

What a tax pro may do

Ways a tax pro may help

Each path has IRS rules. A pro checks which fit you.

A payment plan

Pay over time. Owe $50,000 or less and filed all returns? You can apply online.

Penalty relief

A first time or reasonable cause request can take off some penalties.

Offer in compromise

Pay less than the full amount. Only about 1 in 7 offers were accepted in FY2025.

Not collectible status

Can't pay because of hardship? The IRS may delay collection for now.

Levy and garnishment help

A pro can ask the IRS to release a levy in some cases.

Unfiled returns

Get old returns filed, so more options open up.

Results depend on your situation. Not every case qualifies. Source: IRS payment plans · Source: IRS penalty relief · Source: IRS hardship delay · Source: IRS levy release · Source: IRS Data Book

Woman in her 30s opening an envelope at the mailbox at the end of her driveway, calm expression
We never askfor your SSN, bank info or IRS login.
Stay safe

Is that call really the IRS?

The IRS starts most contact by mail. Check what you owe at irs.gov.

  • We are not the IRS or any government agency
  • You can see your balance free in your IRS online account
  • Never pay anyone who calls and says they are the IRS
IRS online account

Source: IRS

IRS payment plan fees

The setup fee the IRS charges. Penalties and interest keep adding until you pay in full.

Low income? The IRS can waive or lower the fee.

PlanOnlinePhone or mail
Short term, 180 days or less$0$0
Long term, direct debit$29$107
Long term, other ways to pay$69$178

Source: IRS payment plans, checked Oct 29, 2026.

Where we work

Tax help in all 50 states

Each state has its own tax rules. We wrote them in plain words.

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutCTDelawareDEAll statesall 50 states

More ways to get help

Lien helpGet a tax lien released, withdrawn or moved off a home sale.Wage garnishmentThe IRS takes part of every paycheck until you act.Unfiled returnsCatch up on old returns before the IRS files for you.Audit helpKnow what an audit is, what to send and your rights.Payroll tax debtUnpaid payroll taxes can become your personal debt.State tax debtState tax debt has its own rules, deals and clocks.
Good to know

Questions people ask us

Straight answers. Not here? Check our guides.

All answers
Is TaxTruce the IRS?

No. TaxTruce is a free service that connects people with private tax resolution firms. We are not the IRS, a state tax agency or any government agency. You can contact the IRS yourself for free at irs.gov.

Does it cost anything to use TaxTruce?

No. Asking for help is free. If you hire a tax firm, it must tell you its fees in writing first. Firms that work with us pay us for referrals.

Why do you text me a code?

The code proves the phone number is really yours. That keeps strangers from typing in your number, so only you get the call back.

Who will contact me?

If you agree on the form, a tax resolution firm that works with TaxTruce may call or text you. Each firm says it has an attorney, CPA or enrolled agent who handles IRS work. You can tell them to stop at any time.

Can you settle my tax debt for less?

We can't promise that, and no one honest can before they see your numbers. The IRS accepted 5,464 of 38,797 offers in fiscal year 2025. Results depend on your situation. Not every case qualifies.

Will you ask for my Social Security number?

No. We never ask for your Social Security number, bank or card numbers, or your IRS login. A tax firm may ask for some of this later, once you hire it.

What if my paycheck or bank account is being taken?

Tell us on the form. We mark it urgent so a tax firm calls you back fast. The IRS must release a levy in some cases, like hardship or a payment plan.

Can I fix this with the IRS myself?

Often, yes. Many people set up a payment plan online at irs.gov. The IRS also has a free offer pre-qualifier tool. A tax firm can help if it is complex.

Do you have Spanish speaking help?

Yes. Pick Español on the form and we will ask for a firm that speaks Spanish.

Which states do you cover?

We work with tax firms that serve all 50 states and Washington, DC.

More ways to start

Not ready to talk yet?

Free tax tools

Penalty and payment plan math with real IRS rules.

Open

Plain answers

102 short guides, each one checked against public sources.

Open

How it works

Who calls you, how we are paid, and how to say stop.

Open

See your options

A few questions. A tax pro calls you back.

Free tools: penalty calculator, 10 year clock, IRS offer data

Free to use. Not the IRS or any government agency. Results depend on your situation. Not every case qualifies.