Your options
What a tax professional may review with you
The IRS has several official ways to resolve tax debt. Which ones fit depends on your income, expenses, assets and filing history.
Payment plans
Paying over time in monthly installments, which can help stop many collection actions.
Penalty relief
Having some penalties removed if you qualify, for example as a first-time penalty or for a reasonable cause.
Offer in compromise
Settling for less than the full amount. The IRS only accepts it when you can't realistically pay in full.
Hardship status
Collection paused if paying would leave you unable to cover basic living expenses.
Filing past-due returns
Getting unfiled years filed, which is often the first step before any other option.
Levy and garnishment help
Working with the IRS or your state to release a levy or garnishment, where your situation allows.
Your specialist will tell you which options may fit after reviewing your case.
What to expect
Real help, without the runaround.
No pressure and no gimmicks. Just a clear look at where you stand and what you can do about it.
Your review is free
Finding out where you stand costs nothing, and there's no obligation to continue.
Clear costs upfront
If you decide to move forward, your specialist explains any costs and payment options before you commit.
Honest answers
Your specialist looks at your actual situation and tells you what's realistic, not just what you want to hear.
Your info stays private
Your details go to one specialist team, never passed around to dozens of companies, so your phone won't ring off the hook.
Common questions
Is Harbor Tax Help part of the IRS?
No. Harbor Tax Help is a private service and isn't affiliated with the IRS or any state tax agency.
Is this really free?
Yes. Your review is free and there's no obligation. If you choose to get professional help, your specialist will walk you through any costs first.
Do I need my Social Security number or tax documents?
No, not to get started. It helps to have any IRS or state letters nearby when the professional calls.
Will this affect my credit?
No. Answering the questions doesn't involve a credit check and has no effect on your credit score.
Can my tax debt be reduced?
It depends on your situation. Options like payment plans, penalty relief or a settlement depend on your finances and IRS rules. Your specialist will tell you what's realistic for you.
What if I owe less than $10,000?
Many people with smaller balances can set up a payment plan directly with the IRS at IRS.gov/payments, often without needing professional help.
Who will call me, and when?
A tax specialist, usually within minutes of finishing the questions. The call may come from a number you don't recognize, so keep your phone nearby.
