Can I Get Tax Relief Without Hiring a Professional?

Facing tax debt and wondering if you need to hire someone to help? This article applies to U.S. federal tax law and explores whether you can pursue IRS tax relief on your own — and when professional help might be worth it. TaxRise has guided thousands of Americans through the complex IRS system, but we also believe in transparency about your DIY options.

Yes, you can apply for tax relief programs on your own — but it requires a thorough understanding of IRS rules, financial documentation, and strict compliance procedures.

What This Means

The IRS doesn’t require you to hire a representative to apply for tax relief. If you feel confident navigating IRS paperwork, understand the qualifications for tax relief, and can communicate effectively with the IRS, you can pursue options like:

• Installment Agreements
• Offer in Compromise (OIC)
• Currently Not Collectible (CNC) status
• Penalty Abatement

However, these programs involve complex forms and strict financial analysis. Mistakes can lead to delays, denials, or missed deadlines.

Why Hiring a Tax Professional Is Beneficial

Many taxpayers assume that only professionals can deal with the IRS, but that’s not true. The IRS provides public access to forms, instructions, and even call center support. But the IRS does not offer personalized strategy, advocacy, or help filling out forms.

Because tax relief involves negotiations and in-depth financial review, some taxpayers prefer expert support to avoid costly errors and long IRS wait times.

Who Can Negotiate With the IRS Directly?

• People who are comfortable with paperwork and detailed IRS forms
• Taxpayers with relatively simple financials or low balances
• Individuals who want to minimize costs but are willing to invest time
• Anyone willing to research IRS programs thoroughly

DIY tax relief is possible — but it’s not for everyone. If your financial situation is complicated or the IRS is already taking enforcement action, you may want backup by relying on a tax professional.

What You Can Do to Get Tax Relief

If you're planning to pursue tax relief on your own, here are some steps to get started:

• Visit IRS.gov: Access free tools to apply for a payment plan, download Form 656 (Offer in Compromise), and check your balance.
• Gather Financials: You’ll need to document income, assets, expenses, and debts to qualify for most tax relief options.
• Stay Compliant: Make sure all required tax returns are filed — the IRS won’t consider a tax settlement if you’re not up to date.
• Use the OIC Pre-Qualifier Tool: This online calculator estimates whether you qualify to settle for less based on your income and assets.

Be cautious: Incomplete or incorrect applications can result in automatic denials and additional penalties. The IRS may even continue collections during the review period if paperwork isn’t in order.

How Taxrise Can Help You Apply for Tax Relief

While the IRS allows self-representation, TaxRise offers experienced guidance that can maximize your chances of success. We ensure forms are completed accurately, negotiate directly with the IRS on your behalf, and prevent mistakes that can delay or damage your case.

If your debt is large, your finances are complicated, or the IRS has already begun garnishments or liens, schedule a free consultation to see if professional help is the right call for you.

Frequently Asked Questions

• Can I call the IRS directly about tax relief?
  Yes. You can reach the IRS at 1-800-829-1040 to ask about payment plans or discuss your account. Please be aware that wait times may be long.
• Is professional tax relief worth the cost?
  For many, yes — especially if you qualify for a large reduction or need protection from collection actions. But if your case is simple, you can contact the IRS yourself at any time.
• Will the IRS help me fill out forms?
  No. The IRS provides forms and instructions, but it will not offer advice or guidance on how to improve your chances of approval.

Reviewed by TaxRise Tax Professionals
This article was reviewed by the TaxRise Tax Professional Team. TaxRise has helped thousands of Americans eliminate millions in IRS and state tax debt. This content is for informational purposes only and is not legal or tax advice.