Can You Really Settle Tax Debt for Less? The Truth About Offers in Compromise
June 13, 2025

If you’ve seen ads claiming you can “settle your IRS tax debt for pennies on the dollar,” you might be skeptical—and you should be. But the reality is, the IRS does offer a program that lets qualified taxpayers settle for less. It’s called an Offer in Compromise (OIC)—and it can be life-changing when done right.

At Total IRS Relief, we specialize in getting legitimate offers approved—even when other firms said it couldn’t be done.

How an Offer in Compromise Works

An OIC allows you to pay a reduced amount to fully settle your IRS debt if:

  • You can’t afford to pay the full amount

  • Doing so would cause financial hardship

  • You’ve filed all required returns and are compliant

The IRS reviews your income, expenses, assets, and future earning potential to determine your eligibility.

Why Most Offers Are Rejected

The IRS denies the majority of self-submitted offers because:

  • They’re not supported by proper documentation

  • The proposed offer is too low

  • The taxpayer isn’t fully compliant

That’s why working with a knowledgeable firm matters.

Our Proven Approach

Total IRS Relief handles every part of the process:

  • Full eligibility analysis

  • Strategic offer structuring based on your finances

  • All documentation and back-and-forth with the IRS

  • Appeals if necessary

Want to find out if you really qualify? Let Total IRS Relief give you honest answers—and the best chance of success.