IRS Programs
Five federal programs. One is right for you.
The right resolution depends on your total debt, your assets, and your monthly disposable income. IRIS evaluates all five against your numbers in real time.
ProgramDebt limitWhat it doesIdeal for
Offer in Compromise
OIC
No limit
Settle for less than you owe.
Limited assets + low income, genuine hardship.
Streamlined Installment
SIA
≤ $50,000
Pay in full across up to 72 months.
Can afford full payment over time.
Currently Not Collectible
CNC
No limit
Pause all IRS collection action.
Expenses match or exceed income.
Partial Pay Installment
PPIA
No limit
Smaller monthly payments that won't cover the full debt before CSED.
Can pay something but don't qualify for OIC.
Penalty Abatement
FTA
No limit
Remove failure-to-file/pay penalties.
Clean recent compliance or 'reasonable cause'.
Heads up · The 10-year clock
The IRS has a 10-year Collection Statute Expiration Date (CSED) on each tax debt. Filing an Offer in Compromise pauses that clock. If your CSED is close, filing an OIC can actually hurt you. IRIS checks this automatically.
These programs are applied across every vertical we handle
IRS tax debt relief →Back returns →Wage garnishment / levy →Payroll (941 / TFRP) →1099 / self-employed →Small business →Audit defense →State tax debt →
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