Better Tax Relief
Tax Resolution · Tax Settlement

Settle. Pause. Reduce. We’ll find the right path.

“Tax settlement” isn’t one program - it’s a category of resolutions that includes Offer in Compromise (paying less), Partial Pay Installment Agreement (paying less over time), and Currently Not Collectible (pausing payment). The right one depends on what your finances actually look like.
Plain English

What “settlement” actually means.

A settlement is any IRS resolution that ends the case for less than the full amount owed - either by reducing the principal (Offer in Compromise), reducing what you pay over the collection period (Partial Pay IA), or running out the 10-year collection statute under Currently Not Collectible.

All three are real, all three are codified IRS programs, and none of them are magic - each requires specific eligibility, specific paperwork, and direct IRS negotiation. Pick the wrong one and you waste months. Our job is the triage.

The three settlement paths

Which settlement type fits your situation?

Each path resolves your IRS debt differently. We review your finances and recommend the one with the strongest chance of approval.

Offer in Compromise (OIC): pay a lump sum or short-term plan that is less than your total debt, based on your financial situation
Partial Payment Installment Agreement (PPIA): make affordable monthly payments that may not cover the full debt over time
Currently Not Collectible (CNC): temporarily pause IRS collections during financial hardship, with no payments required until your situation improves
How we triage a settlement case

Right path, first time.

01

Full financial picture

Income, expenses, assets, equity, retirement, dependents - every input that affects the IRS calculation.

02

Path modeling

We run the math for OIC, PPIA, and CNC against your numbers to project likely outcomes and approval odds.

03

Documentation

Whichever path wins - 656 + 433-A for OIC, 9465 + 433-A for PPIA, 433-F for CNC - we prepare every supporting document.

04

Negotiation

We file and work the case with the assigned IRS officer until approval, escalating to Appeals when needed.

Why bring BTR in

Settlement triage is where most engagements go sideways.

The wrong path means months of rework and lower approval odds. We model all three before picking - and we pick based on what the IRS will actually approve, not what sounds most appealing.

Path modeling

We project the realistic outcome for OIC, PPIA, and CNC before recommending one. No promises we can't back with math.

Approval-rate honesty

If your numbers don't support an OIC, we'll tell you on the first call and recommend the path that does.

IRS-facing reps

CPAs and EAs handling negotiation directly with the assigned IRS officer.

End-to-end coverage

One engagement covers full triage and final resolution - even if we pivot from OIC to PPIA mid-case.

Why choose BTR

Why choose Better Tax Relief for tax settlement help?

Credentialed professionals

Our team includes CPAs, enrolled agents, and tax attorneys who handle your case with the expertise it deserves.

Personalized approach

We tailor every settlement plan to your unique financial situation rather than forcing a one-size-fits-all option.

Proven success

We have helped thousands of clients reduce their tax debt through strategic settlements.

Comprehensive services

From tax preparation to IRS installment agreements, we cover all of your tax needs under one roof.

Client-centered care

We prioritize your peace of mind, keeping you informed and supported every step of the way.

Common questions

Tax settlement FAQs.

What is a tax settlement?+
A tax settlement is an agreement that lets qualifying taxpayers pay less than the full amount of tax debt owed, through programs like Offer in Compromise or other relief options. It is designed for those unable to pay their full liability due to financial hardship.
Which settlement type fits my situation?+
Offer in Compromise settles the debt for less than the full balance, a Partial Pay Installment Agreement spreads an affordable monthly payment over time, and Currently Not Collectible pauses collections during hardship. We review your finances and recommend the path that fits.
How do I know if I qualify for any of these?+
The IRS uses formulas (Reasonable Collection Potential for OIC, IRS allowable expenses for IA/CNC). We run those formulas with your numbers before recommending a path.
What if my settlement is denied?+
We appeal. If the appeal also fails, we pivot to the next-best path - typically as part of the same engagement. Most denials trace back to documentation issues we can fix.
Will the IRS try to collect during the settlement process?+
No - filing an OIC or being approved for an IA/CNC pauses active collection. Existing garnishments and levies get released.

Related programs we negotiate.

Let's figure out the right settlement path.

Free, confidential review. We'll run all three settlement options against your finances and recommend the one with the strongest chance of approval.

See my options →
or call (866) 562-1216 · Mon–Fri · 8:00am–5:00pm PT