For individuals and businesses

Quiet, strategic IRS Tax Resolution for people who are done avoiding it

We provide IRS Tax and State Resolution for those who need the full picture reviewed, the case built properly, and the next step handled with discretion

Confidential · No obligation · Reviewed within one business day

FORM 656 ❖ OFFER IN COMPROMISE ❖ CURRENTLY NOT COLLECTIBLE ❖ PENALTY ABATEMENT ❖ INSTALLMENT ARCHITECTURE ❖ INNOCENT SPOUSE RELIEF ❖ LIEN WITHDRAWAL ❖ TRUST FUND RECOVERY ❖ WAGE GARNISHMENT RELEASE ❖ FORM 656 ❖ OFFER IN COMPROMISE ❖ CURRENTLY NOT COLLECTIBLE ❖ PENALTY ABATEMENT ❖ INSTALLMENT ARCHITECTURE ❖ INNOCENT SPOUSE RELIEF ❖ LIEN WITHDRAWAL ❖ TRUST FUND RECOVERY ❖ WAGE GARNISHMENT RELEASE ❖

In tax liability saved since 2012

$ 0 mil

Average reduction across closed cases

0 %

Median time from intake to closure

0 mo

Licensed to represent you in 50 states

Where you stand

The conversation is different depending on where you are

Three buckets, so you know immediately which conversation is yours, and that we already know what that conversation looks like.

Under $50K

Educational + Stabilizing

Get ahead of it now, before it becomes a different conversation.

At this stage you still have room to move. We stabilize the balance, stop penalties from compounding, and put a clean structure around it while the options are still wide open.

$50K – $100K

Strategic + Structured

Build a plan before the IRS builds one for you.

Here, strategy matters more than speed. We map your full position, sequence the filings and the resolution, and put a structure in place that you control, not one the IRS imposes.

Over $100K

Firm + Advisory

This is no longer DIY. Your case structure determines options.

At this level, representation isn’t optional. How your case is built (what’s filed, in what order, supported by what) decides which resolutions are even on the table. That’s the work we do.

Our Services

Everything your numbers need, under one roof

We offer IRS Tax Resolution, accounting, bookkeeping, and tax preparation for a range of industries, including start-ups, nonprofits, and logistics.

IRS & State Resolution

Strategic representation and negotiation for individuals and businesses facing IRS enforcement. Dealing with the IRS can be stressful, but you don’t have to navigate it alone.

Core Resolution ∙ Enforcement Protection ∙ Investigation & Advocacy ∙ Compliance & Recovery

Accounting Services

A full range of accounting that covers every aspect of financial management, keeping your business running smoothly, accurately, and efficiently.

Financial Reporting ∙ Cash Flow Management ∙ Payables & Receivables ∙ Payroll & Compliance

Tax Preparation

Accurate preparation that keeps you compliant, organizes your records, and ensures your returns are filed correctly and on time, across the full range of taxpayer needs.

Individual Income ∙ Federal, State & Local ∙ Wage & Income Investigation ∙ Pre-Filing Compliance Review

Bookkeeping Services

Software is powerful, but it can’t read your business the way a person who knows you can. Bookkeeping is where the numbers become a story, one worth telling correctly.

Experienced Professionals ∙ Tailored Solutions ∙ Comprehensive Service ∙ Cost-Effective Outsourcing

The Architecture | Our four-stage method

A logical blueprint, drawn quietly

The Survey

A 60-minute confidential intake with a senior advisor. We map every notice, year, and signature. No paralegals.

Week 1

The Blueprint

We file Power of Attorney, pull your full IRS transcripts, and draft the resolution architecture specific to your case.

Weeks 2–4

The Negotiation

We present the structured settlement to the IRS: Offer in Compromise, abatement, or restructured installment.

Months 2–6

The Closing

The lien is withdrawn. The file is closed. You receive a bound record of the resolution for your archives.

Months 6–12

Structure first, the rest follows.

Remember what it felt like to lead without a shadow?

From the desk of Erica Whatley, Founder, EA, CAD & Accountant

The Fatigue

Five years of unopened envelopes. The certified letter you stopped flinching at.

The Acknowledgment

You did not get here by accident. You will not leave by one either.

The Return

A signed letter, a closed file, a quiet morning. Status quo, restored.

The Record | Anonymized closings

Three cases.
Three quiet resolutions.

Case 2024-117

Manufacturing · LLC

$284,500

$11,840

Five years of accrued payroll tax penalty. Lien withdrawn within nine months. Owner returned to active board service.

9 months ∙ Lien withdrawn ∙ 95.8% reduction

Case 2025-088

Real Estate · Individual

$118,400

$0.00

Innocent spouse relief filed and granted. Liability transferred away. Complete protection of personal assets and credit.

14 months ∙ Innocent spouse ∙ 100% reduction

Case 2026-204

Lawyer · Individual

$308,769.53

$0.00

$308,769.53 balance, an IRS demand for $4,210.94 every single month, and a revoked passport. The result: Monthly payment $0.00 & passport reinstated.

2 months ∙ 100% reduction

Figures reflect actual closed cases, anonymized to protect client confidentiality. Every case is different; prior results do not guarantee a similar outcome.

In Their Words | Quiet testimonials

Real situations. Real relief

Bookkeeping

“I used to avoid looking at my numbers because everything felt messy and confusing. Working with Erica changed that. Now I check my numbers regularly and feel like I understand my own business better. She’s easy to talk to and always willing to answer questions without making it feel like a dumb question.”

Daniel T.

6 month ago

Wage Garnishment Release

“When my wages started getting garnished, I panicked. I felt like things had gotten out of control and I didn’t know who to talk to. Erica handled everything with a lot of care and zero judgment. She explained the process, spoke with the IRS, and helped get the situation under control.”

Lisa M.

8 months ago

Penalty Abatement

“I went through a rough year financially and fell behind on my taxes. By the time I realized how much the penalties had added up, I felt completely stuck. Erica took the time to really understand my situation, explained my options in plain language, and helped me request penalty relief. What I appreciated most was how patient she was.”

Kim G.

9 months ago

Accounting

“Erica has a way of making finances feel less intimidating. Instead of throwing numbers at me, she helps me understand what they actually mean for my business. Our conversations feel collaborative, not transactional. I leave our meetings feeling clearer and more confident. That kind of support is rare.”

Jonathan P.

11 months ago

Accounting

“Working with Twenty20 Financial Group has been an amazing experience. For almost two years they have handled all of our firm’s accounting and tax needs: payroll, invoice payments, account reconciliation. Erica and her team are extremely professional, efficient, and knowledgeable. We highly recommend.”

Trisha Starks-Byron, Esq.

2 years ago

Frequently Asked Questions

What you are quietly wondering

If I ignore the IRS letters, will they eventually stop coming?

No, they escalate. Silence is the one response the IRS reads as agreement. Each unanswered notice narrows your options: from negotiable to administrative to enforced. The architecture of relief is built early, not late.

Is a big tax refund really cause for celebration?

It usually means the IRS held your money interest-free all year. A refund is a planning failure dressed as good news. We re-engineer withholdings so your money stays where it earns, with you.

Aren’t accounting and bookkeeping the same thing?

They’re adjacent disciplines, not identical. Bookkeeping records what happened; accounting interprets it and turns it into decisions. We do both, but never confuse the two.

If I form an S-Corp, do I still owe payroll taxes?

Yes. An S-Corporation requires reasonable compensation paid through payroll, with its corresponding payroll taxes, before owner distributions. The election changes the structure, not the obligation.

Will the IRS contact my employer or business partners?

In a properly represented case, they do not need to. Power of Attorney is filed first, and the IRS communicates with us directly. Discretion is part of the work.

– By appointment · Limited intake –

Creating clarity in your money story

Whether you’re navigating IRS debt, preparing for tax season, catching up on your books, or planning for growth, financial decisions become easier when you can clearly see the full picture. The first step isn’t a commitment, it’s a conversation.