Signs You Need Immediate Tax Help
- You received a Notice of Intent to Levy from the IRS or FTB.
- Your wages are being garnished, or a bank account was frozen.
- You haven’t filed tax returns in years and now you’re getting letters.
- You owe more than you can afford, and interest/penalties keep growing.
- You’re being audited by EDD, CDTFA, or the IRS.
- You’re afraid to open your mail and don’t know where to start.
At Gildark Financial, we’ve seen every type of tax issue and resolved it. We don’t judge. We take action.
Explore Our Full-Service Tax Resolution Backed by Enrolled Agents
We handle direct representation with the IRS and California state tax agencies. Whether your issue is with federal income taxes, , or franchise tax, our team works to resolve it quickly, affordably, and with your best interests protected.
Tax Resolution Services Include:
– Franchise Tax Board (FTB)
– Employment Development Department (EDD)
– California Department of Tax & Fee Administration (CDTFA)
-IRS Audit Representation
-Back Taxes & Unfiled Returns
-IRS Installment Agreements / Payment Plans
– Offer in Compromise (OIC)
– Penalty & Interest Abatement
– IRS Fresh Start Initiative
– IRS Wage Garnishment / Levy Release
– IRS Liens & Removal
– Currently Not Collectible (Hardship) Status
– Innocent & Injured Spouse Relief
– Bankruptcy Planning Support
Why Work with Credentialed Tax Professionals?
When it comes to resolving serious IRS or state tax problems, credentials matter. Not all accountants or tax preparers are authorized to represent clients before the IRS, but Enrolled Agents (EAs) are.
At Gildark Financial Solutions Group, our team of Enrolled Agents is credentialed to represent taxpayers in all 50 states. This means we can communicate directly with the Internal Revenue Service, negotiate settlements, and submit relief requests on your behalf, just like an attorney or CPA.
Where we differ is our focus. While most tax preparers handle filings and year-end returns, we specialize in tax resolution and tax relief services, helping clients who are already in trouble with the IRS or California tax agencies. We understand that when you’re facing tax debt, time-sensitive notices, or enforcement actions, you don’t need someone to prepare a return—you need someone who can defend it.
Why Our Credentials Make a Difference
- IRS Representation Authority: Enrolled Agents can legally advocate for taxpayers during audits, appeals, and collections.
- Specialized in Resolution, Not Just Compliance: We focus on Offer in Compromise, Installment Agreements, Penalty Abatements, and levy releases, not just tax filings.
- Dual Federal and State Expertise: Our experience spans the IRS, Franchise Tax Board (FTB), Employment Development Department (EDD), and California Department of Tax and Fee Administration (CDTFA), ensuring your federal and state issues are handled in sync.
- Trusted Financial Guidance: As part of a full-service financial firm, we look beyond short-term fixes to help clients restore stability and prevent future tax problems.
Whether you’re an individual taxpayer trying to stop wage garnishments or a business owner managing payroll tax issues, you’ll work directly with a licensed tax professional who understands the full picture—federal, state, and financial.
Don’t Take on the IRS or State Alone
| With Gildark | Without Gildark | |
|---|---|---|
| 🛡 Representation | We handle the IRS | You speak alone |
| 📑 Documentation | We build and file it | You scramble under pressure |
| 💸 Debt Relief | Negotiated settlement | Full balance with penalties |
| 🕒 Time | Resolved faster | Dragged out for years |
Common Causes of IRS Tax Problems
Many taxpayers owe money to the IRS due to honest mistakes or unforeseen circumstances, not fraud or neglect. Our tax professionals help identify where things went wrong and build a clear, achievable path to get you back into compliance.
Typical Triggers of IRS and State Tax Debt
- Unfiled Tax Returns: Missing just one year of tax filings can cause cascading issues. The IRS may file a “substitute return” on your behalf using unfavorable assumptions, inflating your tax bill.
- Incorrect or Misclassified Income: Freelancers, gig workers, and small business owners often receive 1099 income without proper tax withholding, creating unexpected tax liabilities at year-end.
- Payroll Tax Issues: Businesses that fall behind on payroll taxes or mismanage employee withholdings face some of the most severe IRS enforcement actions, including trust fund penalties.
- Withholding or Estimated Tax Errors: Underpaying quarterly estimates or failing to update W-4 withholdings can result in IRS penalties and interest that accumulate over time.
- Life Changes: Events like job loss, divorce, or illness can disrupt financial stability, leading to unintentional tax problems or back taxes owed.
- Audit Adjustments or Missed Deductions: Even a small mistake in reporting income or deductions can trigger IRS tax debt after an audit or correction notice.
Why Small Issues Snowball
Once a taxpayer falls behind, interest and penalties compound daily, often doubling the original balance within a few years. Ignoring these notices only accelerates collection actions, such as wage garnishments, bank levies, or tax liens.
Understanding the root cause of your tax issue is the first step toward developing a customized resolution strategy that stops the bleeding and starts rebuilding financial stability.
Tax Relief Options Available
The IRS and state agencies offer a range of tax relief programs designed to help taxpayers settle their debts fairly, if you know how to qualify. Our Enrolled Agents evaluate every available option to reduce or eliminate your tax liability and end the cycle of penalties and interest.
Common Tax Relief Programs
- Offer in Compromise (OIC): Allows qualifying taxpayers to settle their debt for less than the full amount owed based on financial hardship or inability to pay.
- Penalty Abatement: Removes or reduces penalties caused by reasonable circumstances, such as illness, natural disaster, or professional error.
- Currently Not Collectible (CNC) Status: Temporarily halts IRS collection activity if you’re unable to pay due to financial hardship.
- Innocent or Injured Spouse Relief: Protects one spouse from liability caused by the other’s filing errors or unpaid taxes.
- Bankruptcy Planning Support: In certain cases, tax debts may be partially or fully dischargeable. We work with you and your legal team to evaluate options safely.
Each program has strict eligibility rules and documentation requirements. We ensure every submission is complete, compliant, and optimized for approval, maximizing your chance of meaningful tax relief and long-term peace of mind.
Installment Agreements and Payment Plans
When paying your full tax debt upfront isn’t feasible, we negotiate manageable IRS payment plans that fit your budget and prevent additional penalties.
Types of IRS Payment Plans
- Short-Term Payment Plans: For debts that can be paid within 180 days, often avoiding extra setup fees.
- Long-Term Installment Agreements: Fixed monthly payments spread over several years for sustainable repayment.
- Partial Payment Installment Agreements (PPIA): For taxpayers who qualify to pay less than the total balance over time.
We handle every stage, from gathering financial statements to negotiating directly with the IRS on your behalf. Staying compliant with your plan keeps you in good standing, prevents defaults, and restores your peace of mind.
IRS Enforcement: What You Risk Without Resolution
Ignoring IRS tax bills or failing to address collection actions can quickly escalate into aggressive enforcement measures.
Potential Consequences
- Wage Garnishments: The IRS can seize a portion of your paycheck before it even reaches your bank account.
- Bank Levies: Funds can be withdrawn directly from your accounts without prior approval.
- Federal Tax Liens: Publicly recorded claims on your property that damage credit and block financing or sales.
- Passport Revocation: The IRS may request the State Department suspend your passport if you owe over $62,000 in back taxes in 2024.
- Asset Seizures: Vehicles, investments, or other valuable property may be taken to satisfy outstanding balances.
Our team takes immediate action to halt enforcement, release levies, and negotiate settlements before your situation worsens. Fast intervention can save thousands of dollars and protect your financial future.
Payroll Tax Resolution for Businesses
Payroll tax problems are among the most serious and urgent IRS issues for business owners. The government considers these “trust fund taxes,” meaning you collected them on behalf of employees and are personally responsible for ensuring they’re paid.
We help businesses resolve:
- Missed or Late 941 Filings
- Unpaid Payroll Withholdings
- Trust Fund Recovery Penalties
- Misclassified Workers or Contractors
Our tax resolution specialists work directly with the IRS to establish payment agreements, negotiate penalty relief, and prevent asset seizures or criminal referrals.
Addressing payroll tax issues early protects both your company’s reputation and your personal finances, allowing you to refocus on operations, growth, and rebuilding trust.
Tax Resolution FAQs
What is a tax resolution service?
Tax resolution is the process of negotiating with the IRS or state tax agencies to resolve outstanding tax debt, remove penalties, and bring your account back into compliance. Services often include Offer in Compromise, payment plans, penalty abatement, and representation before the IRS or California tax agencies.
What is the best way to resolve tax issues?
The best solution depends on your unique tax situation. Our licensed Enrolled Agents first conduct an in-depth financial and compliance review, then recommend strategies such as payment plans, settlement offers, or hardship relief to stop collection actions and minimize what you owe.
How much does a tax resolution specialist cost?
Fees vary based on the complexity of your case. Most clients invest between $5,000 or more for comprehensive tax resolution services, far less than the penalties and interest they would otherwise pay. We always provide transparent, upfront pricing before beginning work.
What does a tax resolution specialist do?
A specialist represents you directly before the IRS or state agency, handles all correspondence, reviews your tax records, and negotiates on your behalf. Their goal is to reduce your tax liability, stop levies or garnishments, and secure an approved resolution plan.
What’s the difference between tax resolution and tax preparation?
Tax preparation focuses on filing accurate returns for the current year. Tax resolution deals with fixing past problems such as unfiled returns, back taxes, or penalties. Both are important, but resolution requires deeper negotiation and compliance expertise.
How long does the tax resolution process take?
Most cases take four to twelve weeks, depending on how quickly the IRS responds and how complex your issue is. Some advanced cases, like Offers in Compromise, can take several months due to government backlogs.
Do tax resolution firms work with state tax agencies too?
Yes. In addition to the IRS, we represent clients before the California FTB, EDD, and CDTFA, helping resolve both federal and state tax issues.
Is tax resolution confidential?
Absolutely. All communications and documentation are handled under strict confidentiality and protected by federal privacy laws. We never share your information without consent.
Can I negotiate with the IRS on my own?
You can, but it’s risky. The IRS has experienced agents whose job is to collect as much as possible. Having a licensed tax professional ensures your rights are protected and that you don’t agree to terms you can’t afford.
Can tax resolution stop wage garnishments or levies?
Yes. We contact the IRS immediately to request a levy release or garnishment suspension while we negotiate a long-term solution. Acting fast often prevents additional enforcement.
Do I really need professional help with the IRS?
If you owe more than a few thousand dollars, have unfiled returns, or received certified letters, yes. A tax resolution expert can often reduce what you owe and prevent damaging enforcement actions.
Can you help with California-specific tax issues?
Yes. We routinely handle California state tax resolution involving the FTB, EDD, and CDTFA, including payroll tax disputes, franchise tax problems, and sales tax audits.
What if I haven’t filed in years?
We help you get back on track by filing missing tax returns, reconstructing records when necessary, and negotiating to prevent criminal or civil penalties. The sooner you act, the more options you have.
What’s the IRS Fresh Start Initiative?
The Fresh Start Program is an IRS initiative that expands access to Offers in Compromise and flexible payment plans, making it easier for taxpayers to pay off or settle their debt. We evaluate your eligibility and submit all documentation for you.
What’s the difference between an OIC and a payment plan?
An Offer in Compromise settles your tax debt for less than what you owe. A payment plan (Installment Agreement) spreads full or partial payments over time. We help determine which option best fits your financial profile.
How long does this take?
Every case varies, but the key is starting early. Simple payment arrangements may resolve in weeks, while more complex settlements can take several months depending on IRS processing times.
Do you work with both individuals and businesses?
Yes. We represent both individual taxpayers and business owners with payroll taxes, back taxes, tax liens, or audit representation needs.
The Sooner You Act, the More Options You Have.
Don’t let tax problems grow into legal or financial emergencies. Schedule your free consultation with a licensed tax professional today and start resolving your IRS tax debt before penalties increase.
Take control of your tax situation now before the IRS or state comes after more of your income, assets, or business.
Contact us now
The solutions, insights, and guidance you need to achieve your financial goals are at your fingertips — but you have to make the call. Contact us online or call our office today to explore our full range of services with a knowledgeable financial professional.