We can work on this together! Tell me what's going on with your IRS notice, and I’ll break it down — step by step. You’re not alone.
We can explore an Installment Agreement, an Offer in Compromise, or Currently Not Collectible status. When you’re ready, jump to Settle to generate draft PDFs for IRS forms.
Settle your Tax Debts
If you're an individual owing the IRS less than $50,000, and can pay off your debt in under 72 months, then you may qualify for a standard payment plan (known as an Installment Agreement).
Depending on your unique financial situation, you might qualify for a Streamlined Installment Agreement (IA), or a Partial Payment (IA). Feel free to click Chat to ask for more information, or speak with a qualified tax advisor. In the meantime, let's get you started by reviewing the Standard Installment Agreement request form.
You may be able to reach an agreement with the IRS to settle your tax liability for less than the full amount owed, if you're experiencing financial hardship and cannot afford to pay your full debt.
Before an Offer in Compromise (OIC) will be considered by the IRS, you must have filed all tax returns that are required. If you need help finding a tax professional to help with any past-due returns then send us a Chat. And when you're ready, let's dive into the OIC application package. Please note, it may seem intimidating, but we're always here to help!
Temporarily put a stop to IRS collection activity, and give yourself some time to breathe, by demonstrating that you cannot pay your tax debts without experiencing hardship.
Taxpayers may be able to delay collection activity through placement on Currently Not Collectible (CNC) status by proving that paying their debts would leave them unable to cover basic and necessary living expenses. It is not a permanent solution. To learn more about your relief options, Chat with us, and let's review one of the CNC forms to include in a request to the IRS.
How it Works
IRS debt AI guides you with a supportive, step-by-step chat. When you’re ready, the Settle area prepares draft PDFs with your inputs that you can review and file with the IRS.
- Ask questions in Chat — “You can do this!”
- Choose a path in Settle: Installment Agreement, Offer in Compromise, or Currently Not Collectible.
- Generate a PDF draft to review with your tax professional or submit yourself.
FAQs and Settlement Types
Do I need to have filed my tax returns?
Yes, all required federal tax returns must be filed in order to qualify for a settlement or payment plan with the IRS.
Can you be in an active bankruptcy proceeding?
No, if you are in an open bankruptcy proceeding then, in general, you would not be able to set up a new payment plan with the IRS or negotiate a settlement.
Payment Plan (Installment Agreement)
Make affordable monthly payments toward your balance. You pick a timeframe (often 6–72 months). Interest/penalties can continue during the plan.
Settlement Solutions (Offer in Compromise)
Ask the IRS to accept less than the full amount due if your reasonable collection potential is lower than what you owe. Based on income, allowable expenses, and asset equity.
Stop Collection Activity (Currently Not Collectible)
If allowable expenses meet or exceed income, the IRS may pause active collections. Balances remain due and can resume later if finances improve.
About
Contact Us
Meet the Team
Mathew Jedeikin: Founder, Lead Engineer, Marketing Technologist
With over twenty years of experience in marketing, technology, and taxes, Mathew Jedeikin is a proud husband, father, and the founder and sole employee of IRSdebtAI.
It's wild to me that thousands of Americans who are already in debt, then spend hundreds, if not thousands of dollars to hire a self-proclaimed 'tax professional' or 'tax attorney' to help settle their back taxes. Instead, I wanted to create a free option that leverages AI to help taxpayers in need of IRS debt relief.
Investors
If you would like more information on the opportunity to invest in IRSdebtAI, please email us, thanks.
For questions about potentially investing in IRSdebtAI, please contact: help@irsdebt.ai