Back Taxes & Debt Settlements Made Manageable

09/01/2025

Falling behind on taxes can feel like a nightmare you can’t wake up from. Every time you check the mailbox, there’s another letter from the IRS. Every time the phone rings, you worry it’s about your taxes. For many individuals and small businesses, back taxes and debt settlements are a serious source of stress—but you don’t have to face it alone. At Pivot Tax, we specialize in guiding clients through the process of resolving back taxes, negotiating settlements, and regaining financial peace of mind.

Why Back Taxes Accumulate

Back taxes don’t happen overnight. For most people, they’re the result of small issues that snowball into major problems. Common reasons include:

  • Missed Tax Returns – Delays or skipped years add up quickly.


  • Unexpected Life Events – Divorce, illness, or job loss can disrupt tax obligations.


  • Business Challenges – Quarterly payments, payroll withholdings, and deductions often cause confusion.


  • Underpayment – Even small mistakes can leave you with a balance due.

Once unpaid, the IRS adds penalties and interest, sometimes doubling or tripling the original balance.

Options for Resolving Back Taxes

The good news, you have options. At Pivot Tax, we help clients evaluate and pursue strategies such as:

  • Installment Agreements – Manageable monthly payments.


  • Offer in Compromise – Settle for less than what’s owed if you qualify.


  • Currently Not Collectible Status – Pause collections when finances are tight.


  • Penalty Abatement – Reduce or eliminate costly penalties.

How Pivot Tax Helps

Our process is structured and clear:

  • Consultation – Review notices, records, and concerns.


  • IRS Transcript Analysis – Identify exactly what the IRS has on file.


  • Customized Plan – Match you with the right relief options.


  • Representation – We handle IRS communication for you.


  • Resolution – Put solutions in place and protect against repeat issues.

We’re not here to judge—we’re here to help you move forward.

Why Acting Quickly Matters

Delays can trigger serious enforcement actions:

  • Wage Garnishment – Taking a portion of your paycheck.


  • Bank Levies – Freezing or seizing funds from your account.


  • Tax Liens – Claims against property that block sales or refinancing.


Taking action now protects your finances and your peace of mind.

Conclusion


If you’re struggling with back taxes or IRS debt settlements, you don’t have to face it alone. Pivot Tax has the knowledge and persistence to guide you toward relief.