IRS Tax Relief for Liabilities of $50,000 and Above

$50K is a number. Let’s make it zero.

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

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
0
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 ❖
Where you start

We understand the weight you're carrying

IRS notices often become more than paperwork. They become the problem that never quite leaves. Many clients have carried their situation for months, or even years, not because they were careless, but because life and business came first.

You do not have to navigate it alone. At Twenty20 Financial, your case is reviewed by a team that includes an Enrolled Agent, an ex-IRS Collector & Auditor, and a CAD (Certified Audit Defender).

That combination allows us to look at the full picture: what the agency is claiming, what the records actually show, what resolution options may still be available, and what needs to happen next.

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The lien is withdrawn.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.

The Resolution

The resolution was financial. The relief was personal.

Before · The Weight

$284,500

Original Liability
$216,200
Penalties
$48,900
Accrued Interest
$19,400
Status
Active lien
After · The Clearing

$11,840

Settlement
$11,840
Penalties
Abated in full
Lien
Withdrawn
Reduction
95.8%

Case 2024-117 · Closed in 11 months · Anonymized

Every number above is real. Only the name has been removed.

What an Enrolled Agent is licensed to do

You do not have to be in the room

An Enrolled Agent is the only credential federally authorized to represent you before the IRS at every level: examination, collections, and appeals. Licensed in all 50 states.

What we are authorized to do
What is no longer your job

A representation engagement begins the moment Form 2848 is filed. From that point forward, every IRS contact is directed to us. You do not have to call them. You do not have to explain. You do not have to be in the room.

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 2023-088
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.

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 Their Words | Quiet testimonials

Real situations. Real relief

Frequently Asked Questions

What you are quietly wondering

Why $50,000 as the floor?

Below that threshold, the IRS’s standard installment programs are typically the most economical path, and the architecture we build is overkill. At $50k and above, the math of a structured resolution begins to dramatically favor the client.

In most cases, no. Every situation is different, but many clients come to us before matters reach that stage. Once representation is established, we can communicate directly with the IRS on your behalf and help create a structured path forward. The earlier a case is reviewed, the more options are typically available.

Our fees are based on the complexity of the case, not the size of the liability alone. Following your confidential consultation, we provide a clear engagement proposal outlining the scope of work, anticipated resolution strategy, and associated fees. No surprises. No hidden charges.

An Offer in Compromise is only one of several resolution pathways available. Before submitting any proposal, we evaluate eligibility and develop a strategy based on the specifics of your case. If the IRS does not accept a particular resolution approach, we assess the available alternatives and determine the most appropriate next step.

Yes. While many cases involve federal tax liabilities, we also assist clients with certain state tax matters. During your consultation, we will review the full scope of your situation and determine the best course of action based on the agencies involved.

– By appointment · Limited intake –

Finality,
finely crafted

For the individual or enterprise owing $50,000 and above, the solution is not just a settlement, it is a return to status quo.

Confidential · No obligation · Reviewed within one business day