IRS on Your Back?

Ralph Nelson, EA • May 13, 2025

If you owe back taxes to the IRS or have received a notice of a lien on your bank account or a levy against your property, call a tax resolution expert. He or she will negotiate on your terms and help you come to an agreement with the IRS that is manageable for you.

I’ve broken down the process to successful IRS debt resolution into three steps. Each step helps the client understand his or her financial picture, including what is owed to the IRS, what he or she can pay, and what the options are for ending a tax problem.


Step #1: Order IRS and FTB Transcripts

The first order of business is to have a client sign a Power of Attorney so I can manage his or her communications with the IRS. I order transcripts of records and debts from the IRS and Franchise Tax Board (the FTB is in charge of administering levies on a taxpayer’s bank account). If a client has any returns that need filing, we will know which ones. We will also know about any liens, levies, or collection actions that the IRS/FTB are pursuing against the client.


Step #2: Complete Analysis of the Client’s Finances and Recommendations for Resolution

I completely analyze my client’s financial picture. To do that, I need as much documentation as possible of mortgage payments, health insurance premiums, and other monthly expenses. I provide the client tools to calculate these items. It is then the client’s job to gather receipts and provide the necessary paperwork for proving assets and debts.

Once I determine which expenses are “allowable” by the IRS, I take into consideration a client’s extenuating circumstances and adjust the income and expense sheet accordingly. I then look at the client’s complete financial picture, couple it with his or her IRS picture, and come up with a recommendation for a resolution and next steps.


Step #3: Prepare the Client’s Case and Negotiate with the IRS

Once I know a client’s financial state, I start to build a case for the IRS. Negotiated settlements with the IRS include such things as a properly structured installment agreement; an Offer in Compromise; or being placed into “Currently non-Collectible” status. I will know which resolution method is best after I analyze a client’s financial picture and tax problems.

I am certified to represent clients at every level of the IRS, so if a case goes to appeal, I manage the appeals process at every step. The client never has to talk to the IRS again.


I have helped many clients and I can help you too. With tax resolution expertise, you can save time and get the IRS off your back. Contact me today.


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