You've heard the radio ads — "settle for pennies on the dollar." Here's the truth: an OIC is a formula, not a plea. The IRS accepts an offer when it equals or beats what they could collect from your equity and future income. When your numbers fit that formula, an offer is powerful. When they don't, no firm on earth can make it work — and the honest ones say so upfront.
How the IRS decides
- Reasonable Collection Potential — your net asset equity plus a multiple of your monthly ability to pay, computed under IRS expense standards.
- Compliance — all returns filed and current-year obligations being met; non-negotiable.
- Documentation — every figure proven: statements, pay stubs, valuations. Offers die on sloppy paperwork.
Our process
- Qualification analysis first — we run the IRS's own math before you spend a dollar chasing an offer that can't succeed.
- Positioning — legitimate timing and expense decisions that affect the formula, made before filing.
- A bulletproof package — complete, documented, consistent; built to survive an offer examiner's scrutiny.
- Defense and follow-through — examiner questions answered, appeals filed if needed, and the five-year compliance period after acceptance protected.
The best offer candidates almost never know they qualify. The worst are certain they do. Ten minutes with your numbers tells us which you are.