Jose’s Tax Service | Trusted. Transparent. Tax-Smart.
Opening your tax return and seeing a balance due to the IRS can be scary — especially if you don’t have the money to pay it right now.
But don’t panic. Don’t ignore it. And don’t go it alone.
At Jose’s Tax Service, we’ve helped dozens of clients resolve IRS debt, avoid penalties, and regain peace of mind — even when they thought they had no options.
First: File On Time, Even If You Can’t Pay
The failure-to-file penalty is 10x worse than the failure-to-pay penalty.
Filing on time (or filing an extension) helps you avoid the 5% per month penalty — and shows the IRS that you’re cooperating in good faith.
Even if you owe more than you can afford, file anyway and we’ll help you with the rest.
Your Options If You Can’t Pay in Full
1. Short-Term Extension (120 Days)
The IRS gives you up to 120 days to pay in full — no setup fee, just regular interest/penalties.
2. Installment Agreement (Monthly Plan)
You can set up a payment plan that spreads your balance over several months or years.
Jose’s Tax Service can:
– Negotiate the monthly amount
– Set up direct debit to stay compliant
– Reapply if your financial situation changes
3. Offer in Compromise (OIC)
In some cases, the IRS accepts less than you owe if you qualify based on income, expenses, and hardship.
These are complex and require strong documentation — we help clients submit offers the right way.
4. Currently Not Collectible (CNC)
If your income is too low to pay anything, the IRS may pause collections temporarily.
You won’t owe monthly payments — but must requalify annually.
Don’t Ignore IRS Letters
Each IRS notice is important. Ignoring them can lead to:
– Wage garnishments
– Bank account levies
– Tax liens on your credit
– Additional interest and penalties
We offer IRS letter review and response for all clients — and we can often reduce the pressure fast.
How Jose’s Tax Service Supports You
– IRS account review to check balances, notices, and deadlines
– Help setting up payment plans or requesting hardship relief
– Filing missing returns to get current
– Negotiating with the IRS on your behalf
– Long-term tax strategy to prevent future debt
Real Results, Real Clients
“I owed over $12,000 and had no idea what to do. Jose helped me set up a payment plan I could afford, and I finally feel in control again.”
— R. Wallace, Construction Worker, CT
Behind on Taxes? Don’t Wait.
📞 Call 475-254-9373
📍 Based in New Haven, CT – Serving Clients Nationwide
🌐 Get help now at Josestaxservice.com