---
title: Tax Debt Help for Store Owners: 2026 Guide | TaxTruce
url: https://taxtruce.com/jobs/retail-store-owners
updated: 2026-10-29
---

# Tax debt help for store owners

Sales tax and payroll, sorted.

Updated October 8, 20262 sources[Fact checked](/editorial-standards)

[### Self employment tax calculator

Your profit in. Your quarterly number out.

Open](/jobs/retail-store-owners/calculator) [### Penalty calculator

See what late filing and late paying add.

Open](/tools/penalty-calculator)

## Why it matters

Store owners collect sales tax for the state and withhold payroll tax for the IRS. Both are money held for others.

See our small business guide for payroll rules and your state page for sales tax.

A tax pro can help.

* Taxes you withhold from workers are trust fund taxes. You hold their money until you deposit it.
* Late payroll deposits cost 2% (1 to 5 days late), 5% (6 to 15 days) or 10% (over 15 days). It rises to 15% after an IRS demand.

## What a tax pro may ask you

Have these ready. Clear answers help a tax firm see what fits you.

* Which tax years you have not filed
* The notice code in the top right corner of any IRS letter

## Common questions

Can a tax pro stop IRS collection?

They can ask the IRS for a payment plan, a hold, penalty relief or an offer, based on your facts. Results depend on your situation. Not every case qualifies.

## Ways to get help

[**Offer in compromise: Ask the IRS to take less than you owe. Hard to get.**](/coverage/offer-in-compromise)[**Payment plan: Pay what you owe a little each month.**](/coverage/installment-agreement)[**Not collectible: The IRS pauses collection while money is too tight.**](/coverage/currently-not-collectible)[**What happens if I owe the IRS and can't pay?**](/answers/what-happens-if-i-owe-the-irs-and-cant-pay)[**What happens if I owe back taxes?**](/answers/what-happens-if-i-owe-back-taxes)[**I owe the IRS money. What do I do first?**](/answers/owe-irs-what-to-do-first)

Results depend on your situation. Not every case qualifies.

## Sources

1. [IRS: Employment taxes and the Trust Fund Recovery Penalty](https://www.irs.gov/businesses/small-businesses-self-employed/employment-taxes-and-the-trust-fund-recovery-penalty-tfrp)
2. [IRS: Failure to deposit penalty](https://www.irs.gov/payments/failure-to-deposit-penalty)

Other jobs

## We help a lot of jobs

[**Self employed**No withholding means the tax bill comes all at once.](/jobs/self-employed)[**Gig workers**App pay is taxable, 1099 or not.](/jobs/gig-workers)[**Rideshare drivers**Miles matter when the 1099 comes.](/jobs/rideshare-drivers)[**Delivery drivers**Delivery pay, no withholding.](/jobs/delivery-drivers)[**Owner operators**Your own truck, your own Form 2290.](/jobs/owner-operators)

Run the numbers with our [free tax tools](/tools), like the penalty and payment plan math.