Back taxes · IRS notices
If there is an unopened envelope on your counter, you are not the first. Tell us what the notice says and we'll explain exactly where you stand.
Notice decoder
The code is printed in the upper-right corner of the notice. Find yours below. These are the real timeframes the IRS works from.
Balance due — the first bill
The IRS has assessed tax you have not paid. This is the opening notice in the collection sequence, not a levy.
Payment or a response is requested within 21 days of the notice date.
Notice of intent to levy
An unpaid balance has moved further into collections. The IRS states it may seize a state tax refund and begin the process of levying other assets.
Typically 30 days from the notice date before the IRS proceeds to the next step.
Final notice of intent to levy and right to a hearing
This is the final notice before wages, bank accounts, or other property can be levied. It also grants the right to request a Collection Due Process hearing.
30 days from the notice date to request a hearing, which generally pauses levy action.
Final notice — levy and hearing rights
Functionally the same standing as an LT11: a final levy notice carrying Collection Due Process appeal rights.
30 days from the notice date to file the appeal request.
Timeframes run from the date printed on the notice, not the date you opened it. If a deadline has already passed, options usually still exist.
Options
These are the real programs the IRS administers. Which ones apply depends on your filings, income, and assets. No outcome can be promised before that review.
Installment agreement
A formal monthly payment plan with the IRS. Interest and some penalties continue, but active collection generally stops while the agreement is in good standing.
Offer in compromise
A settlement of the liability for less than the full amount, based on documented income, expenses, and asset equity. Acceptance depends entirely on the IRS's own financial standards and many offers are rejected.
Currently not collectible status
If paying would leave you unable to cover basic living expenses, collection can be suspended. The debt remains and is reviewed again later.
Penalty abatement
Penalties — not the underlying tax — may be reduced or removed for first-time compliance history or documented reasonable cause.
Unfiled return compliance
Missing returns are prepared and filed. Most resolution options are unavailable until filings are current, so this is often the first step.
Fit
If none of these describe you, a call likely isn't worth your time.
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