10/14/2026
Cannot pay your tax bill? Delaying your tax return can add another problem.
Filing your return and paying your IRS balance are separate obligations. Even if you cannot pay in full, file an accurate return by your applicable deadline and pay what you can to help reduce additional interest and late payment penalties.
If you owe the IRS, potential tax debt relief options include:
• IRS payment plans to pay your balance over time.
• Penalty relief if you meet the requirements.
• A temporary collection delay if financial hardship prevents payment.
• An Offer in Compromise to settle for less than the full balance, if eligible.
These options are not automatic. Your tax balance, income, necessary expenses, assets, and filing history help determine what may be available. A temporary collection delay does not erase your debt, and interest and penalties generally continue.
Before choosing an IRS program, gather your notices, confirm the years and amounts owed, and identify any unfiled tax returns.
Tina Hall, Enrolled Agent and Certified Tax Resolution Specialist, and the Hall & Associates Tax Relief team help individuals and business owners understand their IRS resolution options.
Cannot pay the IRS? Email [email protected] to schedule a consultation.