Do you have a problem with the IRS? Before you call a big advertiser that makes bold promises, consider talking with a professional who will look at your actual situation. No one can guarantee a result, but you can learn what your options are.

Wage garnishment

The IRS may levy your wages for unpaid tax, usually after sending several notices. A levy generally continues until it is released, so it should be dealt with quickly.

Bank levies

A levy lets the IRS legally take property to pay a tax debt, including money in a bank account. If you receive a "Final Notice of Intent to Levy and Notice of Your Right to a Hearing," act right away, because you generally have 30 days to request a hearing.

IRS letters

Do not ignore them. Check the facts and the numbers, and look for the response date. If something is wrong, respond in writing and keep a copy.

Audit notices

An audit letter does not mean that you did anything wrong. Some exams end with no change, or even a refund. Note the deadlines and gather your records for the items in question.

Non-filing

If you do not file a required return, the IRS may file a substitute return for you. It may not include deductions and credits you could claim, so you may end up with a higher balance.

Offers in compromise

An offer in compromise lets some taxpayers settle for less than the full amount. The IRS generally will not accept one if it believes the debt can be paid in full.

Liens and seizures

A federal tax lien is the government's legal claim to your property when a tax debt is unpaid. A seizure is the actual taking of property, and it usually comes after multiple notices.

Innocent spouse relief

Spouses who file jointly are generally both responsible for the tax, even after a divorce. In some cases, you may qualify for innocent spouse relief, separation of liability or equitable relief.

Need help with your situation? Tax rules change and every situation is different, so please talk with a professional before acting on general information. Call Fajardo & Associates at 407-720-7220 to make an appointment.