Aureus Advisory Partners
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You Owe the IRS More Than You Can Pay.
The IRS Already Has a Process for That.
Millions of taxpayers owe more than they can write a check for, and the IRS has formal, legal programs built for exactly this situation.
The question is not whether you have options. It is which option your facts qualify you for, and how well your case is presented.
IRS TAX RESOLUTION
You are working directly with an IRS Enrolled Agent.
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Our team includes Enrolled Agents licensed by the U.S. Department of the Treasury with unlimited authority to represent clients before the IRS for audits, collections, appeals, and notices in all 50 states.
That representationis built into every engagement we take on.
The Worst Plan Is No Plan
Owing the IRS money you cannot pay feels like a problem with no move. So most people make the one move that is guaranteed to fail: they wait. But an unaddressed balance does not sit still. Interest accrues daily. The failure-to-pay penalty stacks monthly.
And the IRS collection sequence marches forward on its own schedule, from reminder notices, to demand letters, to a Final Notice of Intent to Levy, to garnished wages and frozen accounts.
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Here is what the IRS does not advertise: taxpayers who come forward with a resolution plan are treated fundamentally differently than taxpayers the IRS has to chase.
Getting into a formal arrangement stops the escalation, keeps your paycheck and your bank account out of reach, and turns an open-ended threat into a defined, manageable obligation.
Your Real Options
Installment Agreement
A formal monthly payment plan with the IRS. Structured correctly, it stops enforced collection and lets you resolve the debt on a schedule your cash flow can actually survive. Structured poorly, you agree to a payment you cannot sustain and default into a worse position.
Currently Not Collectible
If paying the IRS anything would prevent you from covering basic living expenses, the IRS can suspend collection activity. The debt does not disappear, but the pressure does. Most taxpayers have never heard of this option.
Offer in Compromise
The IRS will settle certain debts for less than the full amount owed. But acceptance is based on a strict financial formula, not a negotiator's charm. We calculate what the formula says before you spend a dollar pursuing it. If you qualify, we will tell you.
Penalty Abatement
Sometimes the fastest way to shrink a balance is to remove the penalties stacked on top of it. First-time abatement and reasonable cause relief can eliminate thousands before any payment plan is even negotiated.
Fast Track Resolution
Owe less than $10,000? You may not need a full engagement.
Not every balance requires a formal case. If you owe under $10,000 and your returns are filed, our Fast Track Resolution sets up your IRS payment plan for a flat fee, no consultation required.
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We verify your balance against your IRS transcripts, request any penalty relief you qualify for, and establish your payment plan at the lowest setup fee, structured to stay in good standing. Confirmed in writing within days.
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Flat fee: $189. Handled by an Enrolled Agent, not a call center.
Not sure you qualify? Start the intake anyway. If your situation is larger than it looks, we will tell you before you pay and point you to the right path.
Why Not Just Call the IRS Yourself?
You can, and the IRS will happily set you up on a payment plan. Their plan. The IRS is not obligated to tell you that you qualify for hardship status, that your penalties are removable, or that the offer formula works in your favor. The agent on the phone is there to collect, not to advise.
Any firm that promises a settlement before reviewing your IRS transcripts and your finances is selling you a script. Nobody can know what you qualify for before doing the math. We do the math first.
How Aureus Resolves a Balance You Can't Pay
1
Confidential
Case Review
A private conversation about what you owe, what you can realistically pay, and what is at stake. No judgment. You will not be the biggest balance we have seen this month.
2
Investigation
We pull your complete IRS transcripts and confirm the real numbers: total balance by year, penalties versus tax, where you sit on the collection timeline, and how long the IRS legally has left to collect.
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Strategy & Negotiation
We run your finances through the same standards the IRS uses, identify the strongest option you qualify for, and present your case in the format the IRS requires.
4
Resolution & Protection
We see the arrangement through to written confirmation, then set you up to stay compliant, because every IRS agreement has one universal condition: no new unpaid balances.
Frequently asked questions
How much will the IRS actually settle for?
Whatever the offer in compromise formula produces for your specific finances. We calculate your number from your actual financials before recommending the program, so you are pursuing a real outcome, not a slogan.
Will setting up a payment plan stop a levy or garnishment?
Entering a formal arrangement generally halts enforced collection. If collection has already started, see our wage garnishment page, because the sequence changes.
Can you get the penalties removed too?
Often, yes. Penalty abatement pairs naturally with any payment strategy, and we evaluate it in every balance-due case as a matter of process.
What if I haven't filed all my returns?
The IRS will not approve any resolution while returns are missing, so filing comes first, and there is a right way to do it. See our unfiled returns page.
How long does this take?
Streamlined installment agreements can be in place within days. Offers in compromise take months of IRS processing. Either way, protection from escalation starts when your case does, not when the IRS finishes its paperwork.
What does this cost?
A fixed fee, quoted at your case review, based on which resolution path your facts support. You will know the number before we begin, and it will not be a percentage of your debt.
The Balance Is Growing While You Read This
Every month without a plan adds penalties and interest, and every notice in your mailbox is one step closer to enforced collection.
The taxpayers who end up with garnished wages are almost never the ones with the biggest debts. They are the ones who waited longest.
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You do not have to pay it all. You have to have a plan. Let's build yours.
This page provides general information and is not tax or legal advice. Eligibility for installment agreements, offers in compromise, hardship status, and penalty relief depends on the specific facts and financial circumstances of your case. No outcome is guaranteed.