IRS Tax Relief El Paso, TX Get Help Across El Paso County

Most people who owe the IRS in El Paso can get onto a monthly installment agreement. When the total balance, penalties and interest included, is $50,000 or less, the IRS usually approves a streamlined plan without asking for a full financial statement.

Over that line, the IRS wants Form 433-A and measures your spending against county allowances. For El Paso County in 2026, housing and utilities top out at $1,703 a month for one person and $2,350 for a family of four. Rent above that usually won't count in full.

An enrolled agent on our team lays out what you really spend, from diesel to daycare to the truck note, so the payment plan we propose is one you can keep up with month after month.

• Balance of $50,000 or less: a streamlined plan, usually without a financial statement
• Above $50,000: Form 433-A and the El Paso County allowances
• While an agreement is in effect, the IRS generally can't levy

The IRS doesn't garnish wages out of the blue. A CP504 notice usually comes first, then a final LT11 or Letter 1058 giving you 30 days to ask for a Collection Due Process hearing. Let that window pass and your employer can receive a levy.

From then on, each paycheck is cut down to the exempt amount in Publication 1494, which depends on your filing status and dependents. It keeps going until the IRS releases it, whether the check comes from a trucking company, a hospital, a restaurant or a civilian job at Fort Bliss.

A release usually follows a payment plan or Currently Not Collectible status, because the IRS generally won't keep levying once an agreement is in effect. We file what's missing and request the release.

A federal tax lien is the IRS putting its claim against what you own on the public record, and it surfaces when you try to sell a house or refinance. A levy goes further and takes the money: your bank balance, your wages, or what a broker owes you for a load.

If the IRS levies your account at an El Paso bank or credit union, the bank holds the funds for 21 days before sending them. That's the window to push for a bank levy release, usually by getting a payment plan or hardship status in place quickly.

For a lien, the tools are discharge, which frees one property so a sale can close, subordination, which lets a lender go first on a refinance, and withdrawal after a qualifying balance moves to a direct debit plan.

When your income barely covers rent, food and the car, the IRS can mark your account currently not collectible. Levies and collection calls pause. What keeps going: interest still adds up, the IRS can still file a lien, and it will review your income again later.

The decision runs on the same local standards. In El Paso County, the IRS allows $1,703 a month in housing and utilities for one person, and for vehicle operating costs it uses the South region figure of $291 a month for one car. If your real costs run higher, we document why on Form 433-A.

Time in this status doesn't pause the IRS's 10-year collection clock, which can matter a lot on an older balance.

Most IRS audits start by mail and are settled by mail. If yours becomes an in-person audit, the meeting may be at an IRS office, and the one the IRS lists in El Paso is downtown at 700 E. San Antonio Ave., by appointment only.

You don't have to face the examiner alone. With Power of Attorney on file, an enrolled agent goes in your place, answers questions and hands over organized records. If a revenue officer needs a meeting, the IRS now schedules it by mailing Letter 725-B rather than showing up unannounced.

We also take on what tends to surface next: unpaid payroll tax and Form 941 balances for small employers, and innocent spouse relief when a joint return's debt really belongs to an ex.