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IRS Tax Resolution

Stop the stress, settle your tax issues, and regain peace of mind with expert guidance every step of the way.

Global clients around the world

20+

years of experience

800+

clients served

Millions

saved in taxes

8–15×

ROI based on average client results

Expert Help When You Need It Most

Dealing with the IRS can feel overwhelming, but you don’t have to face it alone. At ZMC & Associates, we simplify the process and advocate on your behalf to reach the best possible resolution.

Assess Your
Situation

We review your tax debt, penalties, and notices to understand your options.

Negotiate With
Confidence

We represent you in discussions with the IRS to find the most favorable outcome.

Scalable
Support

Our team helps you put systems in place to stay compliant and avoid repeat issues.

Led by Industry Expertise

Our founder is a former CFO with 15+ years in transportation and logistics, bringing insider knowledge to every client.

Proven Strategies

We evaluate your unique situation and recommend the best resolution option, from installment agreements to offers in compromise.

Focused on Relief

Our goal is to reduce your tax burden and help you resolve issues quickly and fairly.

Confidential Support

We handle sensitive matters discreetly, protecting your financial and personal interests.

Don’t Face the IRS Alone

Are you receiving IRS notices for back taxes, overdue payments, or interest charges? Have you been threatened with a tax lien and aren’t sure what steps to take next?

Whether you’re an individual or a business, unresolved tax issues can feel overwhelming. Our team is here to provide clarity and a clear path forward.

At ZMC & Associates, our tax resolution specialists — including Enrolled Agents, CPAs, and experienced tax professionals — know how to work directly with the IRS to protect your interests. We negotiate the best possible outcome on your behalf, drawing on a proven track record of success in reducing or eliminating fees, penalties, and improper charges.

Here are just some of the issues our IRS Tax Resolution Team can help resolve:

Here are just some of the issues our IRS Tax Resolution Team can help resolve:

  • Wage Garnishment

  • Bank Levy

  • IRS Threatening Letter

  • IRS Tax Lien

  • Unfiled Tax Returns

  • Penalty Abatement

  • Installment Agreements

  • Offer in Compromise

An IRS levy permits the legal seizure of your property to satisfy a tax debt. It can garnish wages, take money in your bank or other financial account, or seize and sell your vehicle(s), real estate and other personal property.

If you receive an IRS bill titled Final Notice of Intent to Levy and Notice of Your Right to A Hearing, contact us right away.

If you receive an IRS notice of levy against your employee, vendor, customer or other third party, it is important that you comply with the levy.

The IRS has the power and the will to carry through on their threats. For this reason, ignoring an IRS threatening letter is absolutely the worst thing to do. Instead, read carefully to check the facts in the letter. If there is anything amiss in their calculations or your liabilities or their assessment, write a polite letter back explaining the error or omission and see if they will remedy the situation. However, if they begin sending you threatening letters, more proactive action is needed to resolve the situation before the IRS become proactive themselves. You do not want this to happen. If you allow the IRS to take action before you do, the result will find you needlessly suffering at their hands. The IRS has considerable powers when it comes to collecting taxes and they are rarely if ever prone to taking the lightweight approach. The IRS sends out threatening letters when they know or think they know that you owe them money; beyond that, they have little interest in you.

Did you receive an audit letter from the IRS? – The first step is not to panic. The IRS uses letters to communicate with taxpayers about IRS audits. As with most IRS communication, there are deadlines associated with IRS audit letters. You will have time to review the items that are being contested and prepare your response. Selecting a return for examination does not always suggest that the taxpayer has either made an error or been dishonest. In fact, some examinations result in a refund to the taxpayer or acceptance of the return without change.

What if you fail to file? The IRS may file what is known as a substitute return for you. However, as you well know, the IRS will not be looking to save you any money. In fact, a substitute return will not include any of the standard deductions your accountant would typically include in your return. Case in point, a substitute return only allows one exemption: single or married filing separate, so you end up with a higher tax liability than if you would have just filed.

A federal tax lien arises when a tax return is filed and the tax isn’t paid after a demand for payment has been made. By law, the lien is in favor of the United States and is upon all property and rights to property of the person with the unpaid tax. It gives the IRS the authority to seize any proceeds from sales of real estate owned by a delinquent taxpayer. To protect the government’s right of priority against other parties who are owed money by the same person, the IRS will file a Notice of Federal Tax Lien, which puts other creditors on notice about the IRS’s claim.

One of the favorable financial resolutions that ZMC & Associates can negotiate for you with the IRS is an offer-in-compromise. You can reduce your IRS debt with an offer-in-compromise. Qualifying for an offer-in-compromise settlement can save you thousands of dollars in taxes, penalties, and interest. An offer-in-compromise is an agreement between a taxpayer and the IRS to settle the taxpayer’s tax liabilities for less than the full amount owed. Absent special circumstances, an offer will not be accepted if the IRS believes that the liability can be paid in full as a lump sum or through a payment agreement.

Many married taxpayers choose to file a joint tax return because of certain benefits this filing status allows. Both taxpayers are jointly and individually responsible for the tax and any interest or penalty due on the joint return even if they later divorce. This is true even if a divorce decree states that a former spouse will be responsible for any amounts due on previously filed joint returns. One spouse may be held responsible for all the tax due even if all the income was earned by the other spouse.

In some cases, a spouse will be relieved of the tax, interest, and penalties on a joint tax return. There are three types of relief available: Innocent spouse relief, Separation of liability, and Equitable relief.

If you were taken financial advantage by a spouse filing a joint return that resulted in IRS debt assigned to you, let our tax resolution team get to work. If the facts support it, we may be able to negotiate a reduction or elimination of your tax, interest, and penalties.

Real Results, Real Clients

Trusted by Business Owners Like You

Frequently Asked Questions

IRS tax resolution involves working directly with the IRS to address unresolved tax liabilities and compliance issues. A qualified tax professional reviews your records, files any missing returns, assesses the total amount owed and the causes of your debt, then negotiates the most appropriate relief option. These may include setting up an installment agreement, submitting an Offer in Compromise to settle for less than the full amount, applying for penalty abatement, or seeking a Currently Not Collectible status if you cannot pay. Throughout the process, your representative communicates with the IRS on your behalf to stop collection actions like wage garnishments and bank levies and to establish a clear plan for becoming current with your tax obligations.

We assist taxpayers with a broad range of federal and state tax issues. Common problems include unfiled or late tax returns, unpaid income or payroll taxes, balances with accruing penalties and interest, payroll tax problems, trust fund recovery penalties, tax liens and levies against your wages or bank accounts, wage garnishments, and audits. We also help with tax debts arising from retirement account distributions, self‑employment tax, and small business payroll liabilities. Whether you’re an individual, self‑employed, or a business owner, we will evaluate your circumstances, explain your options, and work with the IRS or state agency to resolve your liabilities and release liens or levies where possible.

  • The tax resolution process starts with a confidential consultation and comprehensive review of your tax account and financial situation. We identify any unfiled returns and bring you into compliance by preparing and submitting missing filings and correcting errors. Once we have an accurate picture of what you owe and your ability to pay, we will request a hold on enforced collections and communicate directly with the IRS or state authorities on your behalf. We then negotiate the most advantageous resolution strategy—this could involve an installment agreement, a Partial Pay Installment Agreement, an Offer in Compromise to settle for less than the full amount, penalty abatement, or requesting Currently Not Collectible status if you cannot pay right now. Throughout the process, we advocate for you, respond to IRS correspondence, and keep you informed until your case is resolved.

If you receive an audit notice from the IRS, don’t panic or ignore it. The IRS typically initiates audits through mailed letters that outline the tax year and items under review, and there are specific deadlines for your response. You should gather all relevant documentation and avoid contacting the IRS directly without professional guidance. Our team will review the notice, explain what is being questioned, and help you organize receipts, bank statements, and other records to substantiate your return. We will correspond with the auditor on your behalf, represent you at meetings or hearings, and negotiate the scope and outcome of the audit. When appropriate, we can challenge proposed adjustments or file an appeal. Throughout the process we aim to minimize additional taxes and penalties while protecting your rights.

If you haven’t filed one or more tax returns, the IRS may eventually file what’s called a Substitute for Return on your behalf using information from employers, banks, and other third parties. These substitute returns rarely include deductions, exemptions, credits, or filing statuses that could lower your tax liability, so the resulting tax due is often higher than it should be. Non‑filing can also lead to failure‑to‑file penalties, additional interest, and potential criminal enforcement in extreme cases. Our firm assists you in gathering missing records, reconstructing income and expenses, and preparing accurate returns for all unfiled years. Once your returns are filed, we work to reduce or remove penalties and arrange a suitable resolution for any balance due.

A federal tax lien arises when you neglect or fail to fully pay a tax debt after the IRS has made a demand for payment. The lien is a legal claim by the government against all property and rights to property you own, including real estate, vehicles, and financial accounts. It will also appear on your credit report and can make it difficult to sell or refinance assets. The lien remains in place until the tax debt, including interest and penalties, is paid in full or settled. We work with you to resolve the underlying tax liability through an installment agreement, Offer in Compromise, or other resolution program. Once the debt is satisfied or a settlement is accepted, we will request that the IRS releases or withdraws the lien. In certain circumstances we can also seek a lien subordination so you can refinance or sell property while still resolving your tax debt.

An Offer in Compromise (OIC) is a program that allows taxpayers to settle their tax debt with the IRS for less than the full amount owed when paying the full liability would create financial hardship. To qualify, you must demonstrate that you cannot pay the entire liability, that there is doubt as to the amount or collectability of the debt, or that requiring full payment would be unfair or inequitable. The IRS examines your income, expenses, asset equity, and future earning potential to decide whether to accept an offer.

Our team will review your financial situation to see if you meet the eligibility criteria. We prepare the required forms and documentation, such as Forms 656 and 433-A or 433-B, calculate a reasonable offer based on your ability to pay, and submit the application along with the filing fee and initial payment. We negotiate with the IRS throughout the review process, respond to requests for additional information, and advocate for acceptance of your offer. If an OIC is not the right fit, we’ll explain alternative options like installment agreements or currently not collectible status so you can choose the best strategy for resolving your tax debt.

Innocent Spouse Relief is a provision that can relieve one spouse from responsibility for tax, interest and penalties on a joint return when the other spouse understated or omitted income, claimed improper deductions or engaged in fraudulent activity. To qualify, you must show that you had no knowledge of the understatement and did not benefit from it, and that holding you liable would be unfair under the circumstances. In addition to classic innocent spouse relief, the IRS offers separation of liability (for divorced or separated taxpayers) and equitable relief for situations that do not meet all the strict requirements.

Our team will review your joint returns, financial records and personal circumstances to determine whether you qualify for any of these relief options. We prepare and submit Form 8857 along with supporting documentation, respond to IRS inquiries, and represent you throughout the determination process. If innocent spouse relief is not appropriate, we can advise you about alternative strategies such as an injured spouse claim or other tax resolution options to ensure you are not unfairly burdened by your spouse’s tax issues.

Resolve your IRS tax problem today

Dealing with the IRS can feel overwhelming, but you don’t have to face it alone.