IRS Offer in Compromise (OIC): Settle Tax Debt for Less
Settle your IRS back taxes for less than the full amount owed when full payment would create financial hardship.
An Offer in Compromise lets qualifying taxpayers settle federal tax debt for a fraction of the balance. Gullia Filing prepares Forms 656 and 433-A (OIC), calculates Reasonable Collection Potential, and negotiates directly with IRS Offer Examiners.
6 to 12 months from submission to written decision. Collection activity is generally suspended while the offer is pending.
Flat $2,495 including Form 656, 433-A (OIC), financial analysis, and up to three rounds of negotiation.
Accepted offers commonly settle for 10 to 40 percent of the balance owed, depending on Reasonable Collection Potential.
Eligibility Requirements
- All required tax returns filed and current on estimated payments
- Not in an open bankruptcy proceeding
- Total assets and future income cannot pay the full balance within the collection statute
- Received a bill for at least one tax debt included in the offer
Our 5-Step Process
Here is exactly how Gullia Filing handles your IRS Offer in Compromise case, from intake to resolution.
Financial discovery and RCP analysis
We collect bank statements, pay stubs, and asset records to calculate Reasonable Collection Potential using IRS national and local standards.
Form 656 and 433-A (OIC) preparation
We prepare the Offer in Compromise application, supporting financial statement, and all schedules for lump-sum or periodic-payment offers.
Submission and $205 application fee
We file the offer package with the correct IRS processing center and submit the required initial payment or low-income certification.
Negotiation with the Offer Examiner
We respond to information requests, dispute unreasonable asset valuations, and argue effective tax administration when hardship applies.
Acceptance and five-year compliance
Once accepted, we monitor your five-year compliance period so a single missed return does not default the settlement.
Documents We Need From You
Frequently Asked Questions
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Get Free IRS Case Review
Talk to a licensed Enrolled Agent or Chartered Tax Adviser. We review your notices, transcripts, and options with no obligation.