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Worried the IRS will freeze your bank account? Stressed about wage garnishments? If you owe back taxes, the IRS is already preparing to take action.

Here’s what you might not know—you don’t have to pay the full amount. The IRS offers settlement programs that can reduce what you owe, stop collections, and protect your assets.

But here’s the catch: negotiating with the IRS isn’t easy. Most taxpayers who try to handle it alone get denied or end up with a terrible deal. The IRS won’t tell you the best option—you have to know what to ask for.

That’s where Demian and Associates, CPAs comes in. We don’t just help people with IRS settlements—we handle the entire process for you. From negotiating the lowest possible settlement to stopping collections before they start, we take over so you don’t have to deal with the IRS at all.

If you owe over $10,000 in back taxes, the time to settle is now.

Are You at Risk? Check These Warning Signs.

If you’ve experienced any of these, the IRS may be preparing to take action against you:

• You owe more than $10,000 in back taxes.
• You’ve received IRS collection letters demanding payment.
• Your paycheck is smaller due to a wage garnishment.
• Your bank account was frozen or drained due to an IRS levy.
• The IRS has placed a lien on your home or business.

If any of these apply to you, you need professional tax settlement assistance—before it’s too late.

How IRS Settlements Work—And Why You Need Professional Help

IRS tax settlements allow taxpayers to reduce or restructure their tax debt based on financial hardship.

Sounds simple, right? It’s not.

The IRS rejects most DIY settlement applications due to missing paperwork, incorrect information, or unrealistic offers. They won’t tell you the best option—you need an expert fighting for you.

That’s where Demian and Associates, CPAs steps in. We take over the entire process, negotiate with the IRS for you, and ensure you get the best possible settlement.

IRS Settlement Programs: Which One Is Right for You?

1. Offer in Compromise – Settle for Less Than You Owe - An Offer in Compromise is the best-case scenario for taxpayers struggling with IRS debt. If you qualify, you could pay significantly less than what you owe. The IRS reviews your income, assets, and overall ability to pay before approving an offer. However, approval is not guaranteed—only about 40 percent of Offer in Compromise applications are accepted. Most people who try to apply on their own get denied due to missing documents or making unrealistic settlement offers.One of our clients owed $45,000 in back taxes. We negotiated an Offer in Compromise, and the IRS settled for just $8,000. If you want to settle your IRS debt for pennies on the dollar, let Demian and Associates, CPAs handle your application the right way.
   
   
2. IRS Installment Agreement – Set Up an Affordable Payment Plan - If you can’t pay your tax debt in full, the IRS may allow you to set up an installment agreement, letting you spread payments over time. What they don’t tell you is that interest and penalties continue to accrue while you’re on a payment plan, making your total balance grow. Many taxpayers unknowingly agree to monthly payments they cannot afford, leading to default and even more financial trouble. Negotiating lower payments is possible, but most people don’t know how to do it effectively. Demian and Associates, CPAs ensures you get an installment agreement that is both affordable and structured in a way that won’t put additional strain on your finances.
   
   
3. Currently Not Collectible (CNC) Status – A Temporary Break from IRS Collections - If paying your tax debt would leave you unable to cover basic living expenses, the IRS may classify your account as Currently Not Collectible (CNC). Once granted CNC status, IRS collections stop—this means no wage garnishments, no bank levies, and no property liens. However, you must prove financial hardship to qualify. The IRS reviews CNC status annually, and if your income increases, collections may resume. We handle the entire application process, ensuring you provide the necessary documentation to keep the IRS off your back while you recover financially.
   
   
4. Penalty Abatement – Eliminating IRS Fines and Fees - IRS penalties and interest can double or even triple your original tax debt, making it nearly impossible to pay off. The IRS imposes various penalties, including failure-to-file, failure-to-pay, and accuracy-related penalties. However, if you have a reasonable excuse—such as an illness, job loss, or natural disaster—you may qualify for penalty relief. First-time penalty abatement is also available for taxpayers with a previously clean history. At Demian and Associates, CPAs, we fight to have your penalties removed, potentially saving you thousands of dollars and helping you regain financial stability.
   
   
5. Innocent Spouse Relief – Protect Yourself from a Spouse’s Tax Debt - If your spouse or ex-spouse made errors on a jointly filed tax return, you shouldn’t be held responsible for their mistakes. The IRS may remove your liability if you can prove that you had no knowledge of the tax issue when the return was filed. However, you must apply for Innocent Spouse Relief quickly after being notified of the debt to have the best chance of approval. We help clients file for Innocent Spouse Relief, ensuring that they are not unfairly burdened with a spouse’s tax obligations. If you’re in this situation, Demian and Associates, CPAs can protect your financial future and guide you through the process successfully.

Why You Should Never Try to Settle with the IRS Alone

Most taxpayers believe they can handle IRS negotiations on their own. Here’s why that rarely works.

• The IRS has one goal—collecting the full amount. They won’t offer you the best settlement unless you know how to fight for it.
• The IRS rejects most DIY settlement applications due to errors, missing documentation, or unrealistic offers.
• The IRS may push you into a bad payment plan—one that costs you more in the long run.

At Demian and Associates, CPAs, we take over the entire IRS negotiation process—so you don’t have to deal with the IRS at all.

Act Now—The IRS Won’t Wait for You to Take Action

Every day you wait, penalties and interest increase your debt. Every week that passes, the IRS gets closer to taking aggressive action.

But with the right strategy, you can settle for less, stop collections, and regain financial stability.

Demian and Associates, CPAs has helped hundreds of taxpayers reduce their IRS debt. Now it’s your turn.

Contact us now for a free consultation and find out how much you can save.

Schedule Your Free Consultation Today