DIY Tax Resolution vs. Hiring a Tax Relief Firm
Taxpayers can contact the IRS directly to set up a payment plan or request relief, or hire a tax relief firm to negotiate on their behalf — a decision that involves weighing cost against expertise and time.
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DIY Tax Resolution
The taxpayer contacts the IRS directly to set up an installment agreement, request penalty relief, or explore other options without hiring outside representation.
- Avoids professional service fees entirely
- Direct communication can avoid miscommunication through a third party
- Requires understanding IRS procedures and forms independently
- No professional advocacy if the situation is complex or contested
- Can be time-consuming and stressful without guidance
Hiring a Tax Relief Firm
A firm — staffed by attorneys, CPAs, or enrolled agents — manages communication with the IRS, prepares documentation, and negotiates a resolution on the taxpayer's behalf.
- Handles complex paperwork and IRS communication
- Experience navigating specific programs like an Offer in Compromise
- Fees can be substantial regardless of outcome at some firms
- Quality and legitimacy vary significantly between firms
- Marketing claims of guaranteed settlements should be treated skeptically
Which one makes sense for you?
Straightforward cases — like setting up a standard payment plan on a modest balance — can often be handled directly with the IRS at no professional cost. More complex cases involving liens, large balances, or negotiated settlements often benefit from professional representation, though it's worth vetting any firm's credentials and fee structure carefully before hiring.
Key cost factors.
- Complexity of the tax situation and number of years involved
- Comfort level navigating IRS forms and procedures independently
- Total amount owed relative to potential professional fees
- Whether wage garnishment, liens, or levies are already in place
Before you decide.
- Is my situation simple enough to handle directly, or does it involve real complexity?
- What specifically does the firm's fee cover, and is any portion refundable?
- Does the firm employ licensed attorneys, CPAs, or enrolled agents who can actually represent me?
Frequently asked questions.
Are tax relief firms regulated?
The professionals within them — attorneys, CPAs, and enrolled agents — are individually licensed and regulated, but firms themselves vary in oversight, so checking a firm's specific credentials and complaint history matters.
All figures on this page are illustrative examples for general education, not quotes, appraisals, or guarantees of actual pricing. Actual costs vary by provider, location, project scope, and market conditions — always get a specific quote before making a purchasing decision.
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