Where do I Begin? So you’ve gotten yourself into a big mess with the IRS. Now you want to settle your debt once and for all. But where do you start? First of all, you’re not even sure what you can do. Depending on your situation, you may qualify for multiple programs. How do you know which is best for you?

Best Left to the Pros: When it comes to IRS tax debt, help is always available. The trick is getting a company who’s not after your wallet. Some companies will tell you that you qualify for certain programs before they even ask about your issue. A good tax professional will analyze your financial situation so they can put you in the best possible solution. When it comes to settling IRS debt, it is done on a case by case basis. Everyone is different.

What about Forms? Once you decide which program is best for you, you’re going to need to get the forms and instructions for each program. But where do you get them? Where these forms are and what they’re called is far from common knowledge. Here’s a list of the most important ones, for each program:

• Publication 594: This could very well be the most important form of all. This is a detailed publication of the IRS collection process. This is essential if you want to know exactly what the IRS can do to you.
• Form 656: This form contains instructions for an Offer in Compromise program. The form is 44 pages and it’s a little hard to read, but at least it’s the only one you need.
• Publication 971 and Form 8857: These forms are the detailed explanation of Innocent Spouse relief. These also contain the paperwork needed to apply for the relief. If you’re debt is due to an ex spouse, you could remove your debt entirely.
• Publication 5 and Form 12203: These forms allow you to dispute an IRS tax debt. While the IRS does not particularly want you to do this, it is your right as an American Taxpayer.
• Form 9465 and 2159: These are the forms and instructions needed for an Installment Agreement. While it’s not a settlement, it’s certainly easier paying your debt off over time.

These forms and publications are available on the main IRS website, and you can reach the alphabetical index for topics at the following link: http://www.irs.gov/formspubs/article/0,,id=98171,00.html