Let’s be honest: owing money to the IRS isn’t just about numbers on a page—it can take a serious toll on your mental health. If you’ve ever received a notice like a CP504, CP90, CP91, LT1058, or LT11, you know the feeling: your stomach drops, your heart races, and suddenly even simple tasks feel impossible. We’ve all heard stories like: “I got a letter from the IRS saying I owe $18k… interest and fees piled up, doubling the amount. The kicker? I’m broke. I feel completely ove

Too Broke for the IRS? How Current Not Collectible Status Can Give You a Breather Let’s cut to the chase: IRS tax debt can feel like a weight you just can’t shake, especially if money is already tight. Between bills, rent, groceries, and everyday expenses, the thought of paying the IRS can feel impossible. That’s where Current Not Collectible (CNC) status comes in—it’s a lifeline for taxpayers struggling to make ends meet. What CNC Status Actually Does Here’s the real deal:

Are you one of the 27 million self-employed Americans? If so, and if you’ve earned over $400 in self-employment income in any given year, the federal government requires you to pay Self-Employment Tax. This tax is essential—it funds both Medicare and Social Security, ensuring that self-employed individuals and small business owners contribute their fair share to these programs. Paying self-employment tax isn’t optional. Without it, you risk losing future Social Security benef

I have time, plenty of time. This is not true. You are always “on the clock”. Some people think they can outsmart the IRS or just go for years without filing. Some think they have even gotten away with not paying their taxes because a few years have passed. Rest assured the IRS’ clock has just started counting.  The Collection Statue Expiration Date (CSED) is the period in which the IRS has the legal authority to collect taxes from you. The IRS generally has ten years from th

"I can’t pay my IRS tax debt because I need to make sure there’s food on my table first.”  If you’ve found yourself uttering these same words, you’re not alone. Look, groceries have never been higher. Wages have remained stagnant. Every day taxpayers are getting less for more everywhere they look. So, while many taxpayers file their tax returns on time, they often ignore the bill because other, seemingly more important expenses, need to get paid first.  But when the IRS inevi

Are you one of the 27 million self-employed Americans? If you’ve made over $400 in self-employment income in any given year, there’s a good chance you were required by the Federal Government to pay Self Employment Tax. And hopefully you did. Self-employment tax payments are used to fund Medicare and Social Security, and they are how self-employed and small business owners pay their share of this tax. You must pay this tax to qualify for Social Security, and no, you can’t opt

Ever open a letter from the IRS and feel your stomach drop? We get it. A lot of those notices boil down to something surprisingly simple: underreported income. It usually means the income you reported doesn’t match what someone else, like a client, your bank, or even PayPal  or eBay , reported on your behalf. When that happens, the IRS sends a CP2000  notice. It’s not quite an audit, but it’s not a letter you want to toss in a drawer either. Sometimes it’s just a missing 1099

The IRS collection process can seem overwhelming, but here's the thing: understanding how it works can help you navigate the chaos and find a way out.

Let's cut to the chase: the IRS is undergoing a significant transformation, and it's going to impact how you interact with them. We're...

How to Get a Break with Currently Not Collectible (CNC) Status Are you drowning in tax debt with no clear way out? The IRS offers a...