Image by Mohamed Hassan from Pixabay
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When you owe taxes but can’t pay your bill in full, the Internal Revenue Service offers a variety of debt settlement options. Now, the agency has a new online Tax Debt Help tool to help you determine which of its payment options works best for you.
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As Tax Day 2026 neared, I posted about how Internal Revenue Service payment plans could help you deal with a large tax bill.
But that’s just one option to pay tax you owe.
And now, the IRS has created a new online tool to help both individual and business taxpayers find which of the agency’s various payment possibilities works best for them.
New online tax debt guidance: The new Tax Debt Tool, as the tax agency has dubbed it, is atop IRS.gov’s special Get Help With Tax Debt page.
It “walks users through a series of straightforward questions about their financial situation and tax debt,” according to the IRS’ announcement of the debt resolution feature. “Based on taxpayer responses, the tool will guide them to potential payment and resolution options available through the IRS.”
I don’t owe more than I can pay, but of course I had to take a test run.
The answers I gave to its six questions prompted the online suggestion that I ask the IRS to temporarily delay its collection process.
Other taxpayer circumstances and query replies could lead them to other payments choices, such as payment plans or an offer in compromise for those who qualify. The debt help page elaborates on those possibilities, and more.
One area offers additional information on special situations under which a taxpayer could get tax relief. These include tax matters involving a spouse, disaster area declarations, military deployment, and identity theft.
The page also has drop-down menus on other tax help topics, such as the various ways taxpayers facing large tax bills can get help.
Increasing digital solutions: The Tax Debt Help tool is the latest in the IRS’ effort to expand digital services. The initiative’s goal is to help taxpayers more quickly resolve issues while reducing the need for phone calls or in-person visits.
The IRS says it designed the tool to be easy to use and accessible to a wide range of taxpayers. It does not require specialized tax knowledge. Plus, it’s available 27/7.
In addition, the online tax debt tool protects taxpayer privacy. It does not require taxpayers to enter personally identifiable information. Users can explore available options without providing details such as Social Security numbers, names, or addresses.
“By guiding taxpayers through their options to pay with simple, interactive questions, we’re helping them understand the paths available and take confident next steps,” said IRS Chief Executive Officer Frank J. Bisignano.
You also might find these items of interest:
- 6 ways to electronically pay your tax bill
- IRS revises online withholding tool to account for new tax laws
- Don’t panic. That’s the first move to make when you get an IRS tax notice.
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