EXPERT TAX REPRESENTATION FOR TAX PROBLEMS & TAX DEBT RESOLUTION
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EXPERT TAX REPRESENTATION FOR IRS TAX PROBLEM RESOLUTION & TAX DEBT SETTLEMENT SERVICES
If you have Tax Problems or Owe Back Taxes to the IRS and or State, we can Help. We provide Expert Tax Representation. We can Help with IRS|State Tax Notices, Unfiled Back Year Returns, IRS/State Audits, and Help suspend IRS|State Enforcement|Collection activity including wage garnishments, liens and levies. If you Owe Back Taxes to the IRS|State, we have options to Help. We will review your case and can negotiate, settle and resolve your Tax Debt|Deliquency to get you back on track.
The IRS contacting you can be stressful. When you have a tax problem, you need to take action, and you can count on us to do it. For issues big and small, you can get help from an Expert CPA Tax Professional to work with the IRS for you.
We Provide a Free Consultation and Price Quote. We specialize in Tax Problem Resolution and Tax Debt Settlement services and are local Philly Metro area Experts. You will need a knowledgeable CPA Tax Representative in your corner.
CONTACT US TODAY FOR A FREE INITIAL CONSULTATION ASSESSMENT: Make your appointment with a CPA today! Call or use the make appointment button below. When you make your appointment kindly provide us answers to a series of questions that we will need prior to contacting you to assist us in assessing your situation. We are experienced Local CPA’s that will represent and work your case through the tax resolution process with the IRS and Tax authorities to provide you the best outcome. Get Tax Help Today!
IRS Tax Problems or owe Back Taxes ? Call us or Book your FREE Consult & Price Quote
Call Our Office 215-995-0457
We work with the IRS so you don’t have to and take immediate action to address any IRS issues. We will investigate and assess your case to provide you the best resolution and outcome.
Want to End your Tax Nightmare? Contact Us We can Help!
We are Tax Services Professionals. Our Tax Services Expertise includes Representing Clients before the IRS and State/City/Local Tax Authorities at all administrative levels (Collections, Audits, Appeals) for Tax Audits, Tax Problem and or Tax Debt Resolution services.
We’re a qualified, licensed representatives that know the appropriate procedures to help you with your tax issues. We know the ins and outs of working with taxing authorities.
How We Represent and Can Assist Individuals and Small Businesses:
A CPA Certified Public Accountant and or EA Enrolled Agent is a person who has the practice privilege and authority of representing taxpayers with the required knowledge and skills to properly assist you before the Internal Revenue Service or other Tax Authority.
As Your Representative we handle your tax debt or tax problem so you don't have to...
- We will work directly with the IRS on your behalf
- We will keep you updated throughout the process
- We handle all types of tax problems and debt – any size, from simple to complex
- If its an IRS Audit we represent taxpayers during an IRS Tax Audit
We will take immediate action to help address your tax problems or tax debt...
- Get a break from IRS threatening notices and letters
- Take immediate action to suspend collection activities
- Request a hold on active wage garnishments and bank levies
We will find a resolution plan and negotiate on your behalf...
- You will have a dedicated Tax Rep who will act fast to help
- We will request a hold on all colleciton activities to help protect assets.
- We will prepare and submit your resolution package
- If it is an IRS Audit we well defend your case as best as possible.
- We will work on your behalf to get you the best possible outsome.
Our service promise to our clients
We treat every client with compassion and caring concern for their best interest. We always are upfront about our fees, our process, procedures, and will always return your calls. Most importantly, once we begin working together we promise always to represent and defend your rights.
TYPES OF TAX PROBLEMS AND TAX REPRESENTATION AND/OR TAX DEBT RESOLUTION SERVICES WE CAN PROVIDE YOU ARE DISCUSSED BELOW
This content is for general informational purposes only and should not be construed as professional tax or financial advice for any specific individual tax situation. Taxpayers should always consult a qualified professional for individual guidance. This information constitutes a solicitation under the Treasury Department’s Circular 230.
A CPA Certified Public Accountant and or EA Enrolled Agent is a person who has the practice privilege of representing taxpayers before the Internal Revenue Service or other Tax Authority.
Tax Problems & Payment PlansTax Levies, Tax Liens & Asset SeizuresWage GarnishmentUnfiled Back Tax Returns
Tax & Audit Representation
Innocent | Injured Spouse
Offers in Compromise
IRS Back TaxesPenalty ReductionCurrently Not CollectibleBusiness Restructuring
And more Read Below
We’re a qualified, licensed representative that knows the appropriate procedures to help you with your tax issues. We know the ins and outs of working with taxing authorities. NAPOLI TAX OFFICE specializes in multiple IRS debt reduction programs to make your tax resolution as smooth as possible.
We pride ourselves on discrete and affordable tax resolution for individua’ls and businesses. We will put an end to the misery that comes from IRS tax problems and get you the peace of mind you deserve. Our methods are timely and affordable, so Contact us Today!
Expert Professional Tax Representation: We can Help Resolve your IRS issues
Tax Representation, Common Tax Problems and Terms | IRS Audits & Tax Notices
Delinquent Tax Returns | Unfiled Back Returns
Tax returns filed after the tax deadline for a particular tax year. Usually, the IRS requires that you file delinquent tax returns for the past six years.
What is Tax Debt and How Can it be Settled ?
When you forget to pay or file your taxes, there is a mistake on your taxes, or the IRS wants to change your taxes, and the IRS says you owe money as a result, you’ve incurred tax debt. However you accrued the debt, it’s your job to make sure it’s paid off or gets settled.
How can I settle my Tax Debt? If you cannot pay your tax debt in full there are many tax relief options that taxpayers can qualify for based on their financial situation and hardships. Four of the most common resolution options are: Fresh Start Installment Agreement, Partial Payment Installment Agreement, an Offer in Compromise, and Currently Not Collectable.
IRS Fresh Start Program
The IRS Fresh Start program began back in 2011 and it expanded the Offer in Compromise program with more flexible terms.
This expansion focuses on the financial analysis used to determine which taxpayers qualify for an OIC. These changes also enable some to resolve their tax problems in as little as two years compared to four or five years in the past.
In certain circumstances, the changes include:
• Revising the calculation for the taxpayer’s future income.
• Allowing taxpayers to repay their student loans.
• Allowing taxpayers to pay state and local delinquent taxes.
• Expanding the Allowable Living Expense allowance category and amount.
Call us today (215) 995-0457 to set up your free consultation. During your consultation we will be able to determine if you might qualify.
Offer in Compromise
An agreement with the IRS to pay less than what is owed, because a taxpayer cannot pay the full amount due to financial hardship. Offer in Compromise is a settlement you may qualify for as it relates to your IRS or State liability. There are three types of offers in compromise: Doubt as to Collectible Offer In Compromise – This offer will be based on your ability to pay a monthly fee. There will also be concerns in calculation of your liquidity in assets. NAPOLI TAX OFFICE knows many clients who unfortunately offer the IRS a flat settlement amount without regard to their income,expenses or equity in assets. Contact us to see if you qualify for an offer in compromise. Effective Tax Administration – This offer is based on hardships. The IRS still requires you fill out a full 433-A, however, we will argue that while the client has the ability to pay in full, doing so would burden the taxpayer. The ETA offers are rare and again circumstantial evidence, health concerns, or the age of the taxpayer are some of the factors to be considered when applying for this offer. Doubt as to Liability – Have you been assessed by the IRS wrongfully? Has there been an assertion that a liability someone else is responsible for has been given to you? The Doubt as to Liability Offer is based on fact versus financial status. If you feel you were wrongfully asserted, please contact NAPOLI TAX OFFICE today to see if you qualify.
What is this Payment Plan that is called an Installment Agreement ?
If a taxpayer is unable to pay their tax due immediately, the IRS may allow the taxpayer to make monthly payments through what is known as an installment agreement, or “IA.” For most taxpayers, this is the most realistic option for settling a tax debt that cannot be paid in full. There are three basic types of IAs, which have varying requirements. Streamlined installment agreement The streamlined installment agreement allows a taxpayer with less than $25,000 of debt to pay their tax debt over the course of 72 months. Staggered installment agreement The staggered installment agreement has all of the same benefits and requirements as the streamlined installment agreement. The only difference is the added benefit of starting out with a lower monthly payment, which then would step up to a higher payment after a certain amount of time, usually 1 year. Fresh Start installment agreement The Fresh Start installment agreement is an IRS initiative launched several years ago in order to help taxpayers whom do not qualify for the normal streamlined IA due to a balance in excess of $25,000. Contact Napoli Tax Office to find out if an IA is right for you.
Currently Not Collectible | CSED
Currently Not Collectible status is applied to taxpayers when the IRS temporarily suspends levies, threatening letters and collection enforcement until your current financial situation improves.
Collection Statute Expiration Date know as CSED is the date on which the IRS has to forgo any future collection of taxpayer’s unpaid debt, 10 years from when the debt|penalty was assessed.
The IRS or State may reduce the overall liability you owe by way of a penalty reduction or “abatement”. There are several reasons why people may qualify for an abatement of which are as follows; death in the family, sickness in the family, absence from work, unable to work, natural disaster, wrong advice from a competent tax advisor, wrong advice from IRS personnel, etc. As your tax resolution representation, NAPOLI TAX OFFICE will look into every reasonable cause you may have fallen behind both personally and through your business. Don’t be fooled by promises to abate interest and penalty. The IRS and State will review serious requests and so will we. We have an array of options concerning how to go about requesting a reduction in penalties. Contact us for assistance.
First Time Penalty Abatement: An abatement or reduction of tax-related penalties for one tax period, for taxpayers who have incurred tax debt for the first time. If any penalties are reduced, the related interest associated with the penalties is also reduced.
Reasonable Cause Penalty Abatement: Relief from tax penalties due to reasonable cause or hardship during the time the penalties were accrued. If any penalties are reduced, the related interest associated with the penalties is also reduced.
IRS penalties for underpayment: If you didn’t pay your taxes, or if something went wrong with your return, you may have outstanding tax debt. There are two types of underpayment penalties. The first happens with the filing of your tax return because you did not prepay enough taxes through withholding or estimated tax payments This penalty is calculated by multiplying the quarterly underpayment amount by the federal treasury rate for that quarter.The second, and largest, type of underpayment penalty occurs when you don’t pay your taxes by the due date of your tax return. This penalty increases each month until the tax debt is paid. The penalty can be as much as 25 percent of the taxes owed, and is part of the monthly amount that is subject to interest and compounded. The IRS can take your tax refund each year to help reduce the amount owed. The IRS can issue claims on your property and/or assets, or even take money directly from your paycheck.
Innocent Spouse | Injured Spouse Relief
Innocent spouce: Many married taxpayers choose to file joint tax returns due to certain benefits this filing status allows. When filing jointly, both taxpayers are jointly and severally liable for the tax and any additions to tax, interest, or penalties that arise from the joint return even if they later divorce. Joint and several liability means that each taxpayer is legally responsible for the entire liability. Thus, both spouses on a married filing jointly return are generally held responsible for all the taxes due, even if one spouse earned all the income or claimed improper deductions or credits. This is also true even if a divorce decree states that a former spouse will be responsible for any amounts due on previously filed joint returns. In some cases, however, a spouse can get relief from joint and several liability. Let our office guide you through your best options for this tax resolution.
Innocent spouse – Someone whose spouse or former spouse has made an error on their jointly filed return, who feels their spouse should be financially responsible for the debt. A request to relieve you of responsibility for paying tax, interest, and penalties if your current or former spouse improperly reported items or omitted items on your joint tax return.
Injured spouse – Someone whose spouse has past-due tax debt, who feels their spouse should be wholly financially responsible for this debt. A request to get back your part of a tax refund from a joint tax return in cases where the IRS has applied the refund to a tax debt, or other eligible debt, owed by your spouse but not by you.
Innocent Spouse Program:
If you filed jointly, but weren’t aware of something your spouse (current, former, or separated) did wrong on your return To request relief under this provision, you would need to show that you did not know your spouse failed to report some income, reported it improperly, or claimed deductions or credits that weren’t allowed. There are three types of relief.
- Innocent Spouse Relief: This relieves you of the responsibility for paying taxes, interest, and penalties on what your spouse did wrong on the tax return.
- Relief by separation of liability: Essentially, this relief allows you to divide the taxes, interest, and penalties due (because of an understatement made by one spouse on a joint return) between you and your spouse (or former spouse).
- Equitable tax relief: Don’t qualify for one of the other two? This relief may still be an option, but there are many conditions to meet. The most important thing you should know: you can only get equitable relief from an understatement of tax or an underpayment of tax.
Tax audit representation, also called audit defense, is a service in which a tax or legal professional stands in on behalf of you, the taxpayer during an IRS or state income tax audit. During an income tax audit or examination, the IRS and all states allow the taxpayer to have an authorized representative. That representative must have permission to practice before the IRS or state, and specific credentials are required. As a licensed tax representative, NAPOLI TAX OFFICE develops a strategy to defend your position. We will assist you in preparing all documents requested by the taxing authority, attend all meetings and handle correspondence on your behalf. Contact us to find out more…
Levy & Liens
The IRS has a variety of options to satisfy delinquent debts owed by taxpayers. Some of its more infamous options include federal liens, wage garnishment, refund offsets, and levies.
What is a tax Levy? A levy is a legal seizure of a taxpayer’s property to satisfy a tax debt. When a levy is issued against a taxpayer —typically due to failure to collect on unpaid debt— the IRS is legally allowed to seize assets including individual wages, bank accounts, social security benefits, retirement income, and personal property like cars, boats, and real estate. Levies typically represent one of the last steps available to the IRS to collect a debt, and multiple checkpoints must be passed before a levy can be issued.
How long does it take for the IRS to issue a tax levy?
Issuing a levy is a very serious event and never occurs as a first step of the collection process. The IRS will only issue a levy after these three requirements are met in full:
- The IRS assessed the tax and sent the taxpayer a Notice and Demand for Payment (a tax bill).
- The taxpayer neglected or refused to pay the tax.
- The IRS sent the taxpayer a Final Notice of Intent to Levy and Notice of Your Right to A Hearing (levy notice) at least 30 days before the levy. The IRS may give this notice in person, leave it at the taxpayer’s home or business, or send it to their last known address by certified or registered mail, return receipt requested. If a taxpayer has moved and neglected to notify the IRS about a change of address, they are considered to have correctly sent the 30 days notice if it is sent to the last address.
In cases where the IRS levies a taxpayer’s state tax refund, they may receive a Notice of Levy on a State Tax Refund (Notice of Your Right to Hearing after the levy.) In addition to property directly owned by the taxpayer, the IRS also has access to property held by others in which the taxpayer may have a partial ownership stake. This potentially includes businesses, life insurance, bank accounts, rental income, and much more.
What does it take for an IRS tax levy to be released? The quickest and most effective way for an IRS levy to be released (for good) is to pay the amount owed in full. However, most people dealing with an IRS levy are either unable or uninterested in paying the amount in full. Short of full payment options for partial relief exist. However, the release of a levy is not the equivalent of the dismissal of the debt. Even after a levy is released, the taxpayer is still responsible for the total amount owed. If that debt is not paid in full, a new levy may be issued at a future date. The IRS is only required to release a levy if the following requirements are met:
- The total amount owed is paid
- The period for collection ended prior to the levy being issued
- Releasing the levy will help the taxpayer pay their taxes
- An Installment Agreement is accepted and the terms of the agreement don’t allow for the levy to continue
- The levy creates an economic hardship, meaning the IRS has determined the levy prevents the taxpayer from meeting basic, reasonable living expenses
- The value of the property is more than the amount owed and releasing the levy will not hinder the IRS’ ability to collect the amount owed
Four ways to stop an IRS tax levy. The IRS has a 10-year statute of limitations from the date a debt is assessed to collect it. Unless the debt is suspended, extended, or a payment plan is enacted, once the statute of limitations expires the debt can no longer be collected. If the taxpayer is within the statutory period and is unable to pay the debt, other options exist to help manage the unpaid debt and potentially remove the levy. These include the following:
- Appeal the Levy: Appealing the levy stops the process for 30 days while an appeal is considered. This solution is temporary and may not end in the taxpayer’s favor, however, it does provide additional time to get documents and representation in place. To file an appeal, the IRS requires that Form 9423 be completed. Jackson Hewitt Tax Debt Specialists are familiar with this process and ready to assist in filing and potentially winning the appeal.
- Request a Payment Plan: A payment plan is an agreement to pay the debt back over a specific period of time. The IRS has both short-term and long-term payment plans that taxpayers can apply for. The short-term plan is complete in 120 days or less and the long-term plan covers up to 60 months (five years). Each plan has separate requirements and approval is not guaranteed.
- Prove That the Levy is Causing Economic Hardship: The purpose of an IRS Levy is to secure valuable assets that can be sold to cover a taxpayer’s unpaid debt. If a taxpayer can show that their assets have little to no value, such as a home with no equity, the IRS may consider releasing the levy on these items. This is especially true if the levy creates severe economic hardship for a household, as the IRS is legally required to leave taxpayers with enough money to cover immediate household expenses.
- Offer in Compromise (OIC): An OIC allows debt to be settled for less than the amount owed. After assessing a taxpayer’s income, expenses, asset equity, and ability to pay, the IRS may accept or reject an OIC offer. An OIC will be rejected if Form 433-A/B is not filed before the offer is submitted. Additionally, an open bankruptcy proceeding is also an automatic disqualifier. To learn more about the OIC process and its requirements, see IRS Form 656.
Tax Levy Release | Wage Garnishment
When the IRS issues a notice that it intends to levy and seize your assets you have 30 days to challenge the levy. You need to attempt tax resolution or pay the amount due. If you cannot pay the tax debt in full before the IRS is scheduled to seize your assets, you may be able to remove the levy anyway with proper tax resolution by setting up an installment plan with the IRS or by making other arrangements. But the best course of action is to work out a mutually agreeable solution with the IRS – and avoid the levy altogether. If your tax problem is too complex, you don’t have to go it alone. Contact us we can help you.
Wage Garnishment: An IRS wage garnishment is part of the IRS levy process and permitted by the Internal Revenue Code. When a taxpayer ignores the IRS notices about taxes owed, the IRS can levy property included wages. The levy notice is sent to the employer and monies are withheld from the taxpayer’s paycheck and sent directly to the IRS. A federal tax levy must leave the taxpayer with some income for living expenses, many state’s tax levies do not.
Tax Lien Removal
The IRS is far from perfect, and does make mistakes. There are a few perfectly legitimate ways to remove a tax lien if you know where to start. A lien can be removed with tax resolution on appeal if:
- The tax debt has already been paid in full.
- The lien was filed in error.
- The lien was filed in error and the IRS made a processing error with your return.
- The IRS did not follow proper procedures.
- You were going through bankruptcy when the lien was filed.
- You weren’t given a chance to dispute the amount assessed by the IRS.
- You wish to make spousal defenses by claiming that your spouse should be liable for the lien.
- You want to discuss collection options, like through the Fresh Start Initiative.
- The statute of limitations of 10 years on collecting the tax debt has passed.
- On the notice of the lien, you are given the option to request a Collection Due Process hearing with the Office of Appeals. This request for an appeal must be made within 30 days after the fifth day of the lien being filed, or by the date indicated on the notice.
NAPOLI TAX OFFICE can deal with the IRS and provide assistance with filing an appeal, or requesting a lien withdrawal.
Passport Revocation or Denial for Severe Tax Debt
Having delinquent tax debt can have harsh consequences. This makes it important for you to understand the consequences and how to resolve these issues. One of those consequences is the government can stop you from getting, or seize, your passport.
Since 2018, anyone with seriously delinquent tax debt can be certified by the IRS to the State Department. This allows the State Department to deny a passport application or revoke a current passport.
What qualifies as severe tax debt? The IRS defines serious delinquent tax debt as a taxpayer’s unpaid, legally enforceable federal tax debt totaling more than $54,000, after all administrative remedies or levies(legal seizure of one’s property) have been exhausted.
How do I know if I have severe tax debt? If you have severe tax debt, you will receive a CP508C Notice from the IRS. It is important that you open the letter right away. It will tell you why you are receiving the letter and what steps you can take to resolve your debt. It is extremely important that you address the situation quickly. Remember, scammers often try to hide behind the IRS. If you are contacted via anything other than a letter (phone call, email, and social media are high fraud examples), it may be fraud and requires additional verification.
The State Department will give you 90 days before denying your passport so you can fix any certification issues, fully pay the tax debt, or reach a payment agreement with the IRS.
Tax debt situations that the IRS will not submit to the State Department: There are many types of tax cases the IRS does not certify to the State Department. These include taxpayers who are:
- In bankruptcy
- A victim of tax-related identity theft as identified by the IRS
- Someone who has an account the IRS has determined is not collectible due to hardship
- Living in a federally declared disaster area
- Someone who has a pending installment agreement request with the IRS
- Serving in a designated combat zone or participating in a contingency operation
For other reasons you may be disqualified please, the IRS provides a more in-depth list.
What to do if your passport has been denied or revoked due to severe tax debt:
If your passport has been denied or revoked because of your severe tax debt, you have options to address your debt. You can quickly fix the issue by paying in full or make an alternative payment plan, an Offer in Compromise, or a settlement agreement. You also have three different options if you are an innocent spouse looking to be absolved under Innocent Spouse Relief.
Your certification will be reversed if your tax debt is completely satisfied, legally unenforceable, the tax debt is not seriously delinquent, or if the certification is incorrect.
However, getting your tax bill under $54,000 will not automatically reverse your certification. You must also enter into an agreement with the IRS to become compliant. This means a payment program, offer in compromise, or other qualifying arrangement is also required.
What if the certification was made in error? If you think that the certification was made in error or the tax amount was inaccurate, you should call the number at the top right of your notice. If you have already paid, proof of the payment needs to be sent to the address on your notice.
How will I know if my certification has been reversed? If your certification is reversed you will receive a CP508R Notice. This means the State Department has been notified of the reversal, and you do not need to respond. However, it is important that you keep this notice in your records, continue to make your payments on time, and meet all the requirements of any installment agreements or offers in compromise that you agreed to.
How long will it take to get my passport after the certification is reversed? As soon as you have resolved your tax issue with the IRS, they will reverse the certification to the State Department within 30 days.
Trust Fund Recovery | Payroll Tax Problems
When you are running your business, it’s not uncommon for things to fall through the cracks. Unfortunately, employment taxes are often one of those things. If you’ve failed to pay employment taxes when they are due, you are at high risk for a Trust Fund Recovery Penalty. TFRP involves the collection of employment taxes by the IRS from the owners of a business that’s failed to pay employment taxes. This penalty allows the government to reach parties otherwise shielded from tax liability. If penalized, you should begin taking action immediately because The IRS views failing to pay payroll taxes as the cardinal sin of tax delinquency since a large portion of the payroll taxes are your employees’ withholdings. Not paying your company’s payroll taxes is tantamount to stealing your employees’ money in the eyes of the IRS. As a result, penalties for failing to pay your payroll taxes and filing your payroll tax returns on time are much more severe than other types of penalties. They can drastically multiply the amount you owe in a very short time. If you are behind on paying payroll taxes for your company, WATCH OUT!!! The IRS is extremely aggressive pursuing collection of this type of tax. If you are behind on your payroll taxes, DO NOT meet with the IRS on your own. How you answer their initial questions COULD determine whether you stay in business or not. It is critical you hire a Tax Representative who knows how the IRS operates. NAPOLI TAX OFFICE can help get your business out of this sticky situation. Contact us to discuss this penalty further…
NAPOLI TAX SERVICES LLC
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12 PENNS TRAIL
NEWTOWN PA 18940
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