Truckers keep America moving, but when it comes to taxes, many find themselves stuck in a financial jam. Whether you’re an owner-operator or a company driver, tax issues can sneak up on you fast. If you’ve fallen behind on your taxes, it’s crucial to address the situation before the IRS takes action. Here’s what you need to know about truckers and tax debt—and how to fix it.

Why Truckers Fall Into Tax Debt

Truckers face unique tax challenges that make it easy to fall behind. Some of the most common reasons include:

• Self-Employment Taxes – Owner-operators are considered self-employed and must pay both the employer and employee portions of Social Security and Medicare taxes.
• Irregular Income – Seasonal work and fluctuating paychecks can make it hard to set aside enough for taxes.
• Failure to Make Quarterly Payments – Independent truckers must pay estimated taxes four times a year. Missing these payments leads to penalties and growing debt.
• Confusing Deductions – Fuel, maintenance, meals, lodging, and per diem expenses can lower tax liability, but improper record-keeping leads to missed deductions or IRS audits.
• Payroll Tax Issues – Trucking businesses with employees must withhold and remit payroll taxes. Falling behind on these payments can result in severe penalties.

What Happens If You Owe Taxes?

If tax debt isn’t addressed, the IRS can take serious action, including:

• Wage Garnishment – The IRS can take a portion of your earnings directly from your paycheck or bank account.
• Tax Liens – A lien on your property can damage your credit and make it difficult to get financing.
• Seizure of Assets – In extreme cases, the IRS can seize business assets, including trucks and equipment.
• Revocation of CDL – Unresolved tax debt can sometimes lead to issues renewing your commercial driver’s license.

How Truckers Can Resolve Tax Debt

If you owe back taxes, there are options to get back on track:

1. File Any Missing Tax Returns – Even if you can’t pay what you owe, filing your taxes is the first step to preventing additional penalties.
2. Set Up an Installment Agreement – The IRS allows taxpayers to pay off their debt over time with monthly payments.
3. Offer in Compromise (OIC) – If you can’t afford to pay your full debt, you may qualify for a settlement with the IRS for a lower amount.
4. Request Penalty Abatement – If you have a valid reason for falling behind, the IRS may reduce or remove penalties.
5. Seek Professional Help – Dealing with the IRS alone can be overwhelming. A tax resolution expert can help you negotiate the best possible outcome.

Don’t Let Tax Debt Take You Off the Road

Ignoring tax debt won’t make it go away—it will only get worse. If you’re a trucker struggling with IRS debt, Total IRS Relief can help you navigate the process, reduce your debt, and protect your livelihood. Contact us today to discuss your options and get back on the road with peace of mind.