Clear information before your next step

Why this site exists

An IRS notice can leave you with several different questions at once: what the balance means, how payments might work, whether a penalty needs review and what information the IRS uses to evaluate hardship. This site organizes the relevant public information and provides limited illustrations so you can prepare for a conversation or an application.

Who writes it

What the tools provide

The OIC worksheet illustrates collection potential under documented rules. The payment page compares supported repayment scenarios. The penalty page applies current rates across a selected span. The collection-statute page is a guide, not a date calculator. The router points to information without issuing an eligibility decision.

Sources, effective periods, known limitations and refresh instructions appear in methodology. An estimate can differ from an actual account because the IRS has information and procedures a small public worksheet does not.

How paid links work

If a configured paid partner link is shown, the disclosure appears beside it. Compensation does not change calculations. The debt threshold used to display a partner block is an advertising choice, not an IRS requirement. You can use the official IRS links without using a partner.

When to do it yourself and when to get help

You can read a notice, gather records and use the IRS's published application routes yourself. Consider an enrolled agent, CPA, tax attorney or Low Income Taxpayer Clinic when facts or deadlines are complicated. Verify qualifications and fees before hiring anyone.