Behind on Taxes? Here’s What to Know — and What to Do Next
Owing back taxes can feel overwhelming. Maybe you couldn’t pay when you filed. Maybe you didn’t file at all. Whatever the reason, that balance doesn’t go away on its own — and interest and penalties make it worse over time.
But here’s the good news: the IRS offers several programs designed to help people get back on track. The key is knowing your options and acting before things escalate.
Why People Fall Behind
Most people don’t get into tax trouble on purpose. It happens because:
- Self-employed income wasn’t reported or taxed properly
- Too little was withheld from paychecks
- Major life events like illness, divorce, or job loss changed everything
- Filing was put off, and it snowballed from there
Sound familiar? If so, you’re not alone — and there’s help available.
What the IRS Can Do If You Ignore It
When back taxes go unresolved, the IRS can take serious actions, including:
- Garnishing your wages
- Freezing your bank accounts
- Filing tax liens against your property
- Charging steep penalties and daily interest
Fortunately, most of these actions can be avoided — or reversed — if you reach out in time.
Your Best Options for Resolving Back Taxes
Depending on your financial situation, one of these may apply:
Installment Agreement – A payment plan that allows you to pay off your balance in manageable monthly payments.
Offer in Compromise – Settle your tax debt for less than the full amount if you meet hardship qualifications.
Currently Not Collectible – The IRS temporarily halts collections due to financial hardship.
Penalty Abatement – Reduce or eliminate penalties if you’ve got a good reason for falling behind.
How Protection Tax Helps
We’ll assess your full situation, communicate with the IRS on your behalf, and fight for the best possible outcome. You don’t need to handle this alone — and you don’t need to fear the IRS once you’ve got a plan in place.
Let’s review your options and build a strategy that works. The sooner you act, the more control you have.
