Completing IRS
Tax Relief Forms

Every field matters. Learn what the IRS is actually asking for and how to complete each required form correctly to maximize your approval chances.

IRS Tax Relief Forms Overview

Form 656

Offer in Compromise

Your official settlement proposal to the IRS

Fields: 30+ fields

Time: 45-60 minutes

Used For: OIC Program

Form 433-A

Collection Statement

Complete financial picture for OIC evaluation

Fields: 50+ fields

Time: 60-90 minutes

Used For: OIC Program

Form 9465

Installment Agreement

Your payment plan proposal to the IRS

Fields: 15 fields

Time: 15-20 minutes

Used For: IA Program

Form 656: Offer in Compromise

Section 1: Personal Information

→Enter exact legal name (must match Social Security card)
→Use mailing address where IRS can reach you
→Include current phone number and email

Section 2: Tax Liability

→Enter EXACT amount owed (from your IRS transcript)
→Include tax years and types (income, self-employment, etc.)
→Don't estimate - IRS catches discrepancies

Section 3: Your Offer Amount

→Must be based on IRS RCP calculation (we'll help with this)
→Common offer: 20-40% of total debt (depends on assets/income)
→Too low = automatic rejection; too high = wastes money

Section 4: Doubt as to Collectibility

→Explain WHY you cannot pay full amount
→Show gap between income and necessary expenses
→Document financial hardship with supporting evidence

Form 433-A: Collection Information Statement

Part 1: Income Information

→List ALL income sources (wages, benefits, rentals, etc.)
→Must use average of last 3 months (not best month)
→Include spouse's income if filing jointly

Part 2: Asset Section - CRITICAL

→List EVERY asset (bank accounts, vehicles, investments)
→Use current fair market value (not purchase price)
→Subtract outstanding loans (net equity is what matters)
→Home equity usually calculated conservatively by IRS

Part 3: Monthly Expense Analysis

→Use IRS National Standards for many categories
→Document LOCAL costs if they exceed national standards
→Include ALL reasonable living expenses
→Underestimating expenses = rejected offer

Part 4: Supporting Documentation

→Attach last 3 months bank statements (redact sensitive info)
→Recent pay stubs showing year-to-date income
→Property tax assessment and mortgage statement
→Lease agreement if renting
→Vehicle title or registration

Form 9465: Installment Agreement Request

Basic Information

→Your name, SSN, address exactly as on returns
→Tax year and amount owed for each year
→Most straightforward of the three forms

Payment Proposal

→Propose monthly payment you can actually afford
→Too low = rejected as inadequate; IRS sets minimums
→Can propose automatic bank debit (often preferred)

Financial Information

→Only required if proposing payment under $25,000
→Must show you can maintain payments while covering expenses
→Simpler than 433-A but still needs financial justification

Common Mistakes (and How to Avoid Them)

Inconsistent Information

How to Avoid:

Make sure all forms use the same numbers (income, assets, debts)

Impact: Automatic rejection or significant delays

Underestimating Assets

How to Avoid:

List every asset at fair market value; hiding assets is fraud

Impact: Criminal penalties + offer rejection

Not Using IRS Standards

How to Avoid:

Expenses must follow IRS National Standards or local rates

Impact: IRS disallows your expenses and increases offer amount

Missing Documentation

How to Avoid:

Attach bank statements, pay stubs, and supporting docs

Impact: Request for additional info delays decision by months

Wrong Amount Owed

How to Avoid:

Get IRS transcript to verify exact balance before submitting

Impact: Entire application rejected and must restart

Illegible or Incomplete Forms

How to Avoid:

Type forms (not handwritten); fill every required field

Impact: IRS returns forms as incomplete

Forms Simplified with Our Tools

Our guided form builder walks you through each field with real-time validation, IRS-specific tips, and automatic calculations. Stop guessing and start submitting with confidence.

Get Form Tools Back to Tax Help

Completing IRS
Tax Relief Forms

Every field matters. Learn what the IRS is actually asking for and how to complete each required form correctly to maximize your approval chances.

IRS Tax Relief Forms Overview

Form 656

Offer in Compromise

Your official settlement proposal to the IRS

Fields: 30+ fields

Time: 45-60 minutes

Used For: OIC Program

Form 433-A

Collection Statement

Complete financial picture for OIC evaluation

Fields: 50+ fields

Time: 60-90 minutes

Used For: OIC Program

Form 9465

Installment Agreement

Your payment plan proposal to the IRS

Fields: 15 fields

Time: 15-20 minutes

Used For: IA Program

Form 656: Offer in Compromise

Section 1: Personal Information

→Enter exact legal name (must match Social Security card)
→Use mailing address where IRS can reach you
→Include current phone number and email

Section 2: Tax Liability

→Enter EXACT amount owed (from your IRS transcript)
→Include tax years and types (income, self-employment, etc.)
→Don't estimate - IRS catches discrepancies

Section 3: Your Offer Amount

→Must be based on IRS RCP calculation (we'll help with this)
→Common offer: 20-40% of total debt (depends on assets/income)
→Too low = automatic rejection; too high = wastes money

Section 4: Doubt as to Collectibility

→Explain WHY you cannot pay full amount
→Show gap between income and necessary expenses
→Document financial hardship with supporting evidence

Form 433-A: Collection Information Statement

Part 1: Income Information

→List ALL income sources (wages, benefits, rentals, etc.)
→Must use average of last 3 months (not best month)
→Include spouse's income if filing jointly

Part 2: Asset Section - CRITICAL

→List EVERY asset (bank accounts, vehicles, investments)
→Use current fair market value (not purchase price)
→Subtract outstanding loans (net equity is what matters)
→Home equity usually calculated conservatively by IRS

Part 3: Monthly Expense Analysis

→Use IRS National Standards for many categories
→Document LOCAL costs if they exceed national standards
→Include ALL reasonable living expenses
→Underestimating expenses = rejected offer

Part 4: Supporting Documentation

→Attach last 3 months bank statements (redact sensitive info)
→Recent pay stubs showing year-to-date income
→Property tax assessment and mortgage statement
→Lease agreement if renting
→Vehicle title or registration

Form 9465: Installment Agreement Request

Basic Information

→Your name, SSN, address exactly as on returns
→Tax year and amount owed for each year
→Most straightforward of the three forms

Payment Proposal

→Propose monthly payment you can actually afford
→Too low = rejected as inadequate; IRS sets minimums
→Can propose automatic bank debit (often preferred)

Financial Information

→Only required if proposing payment under $25,000
→Must show you can maintain payments while covering expenses
→Simpler than 433-A but still needs financial justification

Common Mistakes (and How to Avoid Them)

Inconsistent Information

How to Avoid:

Make sure all forms use the same numbers (income, assets, debts)

Impact: Automatic rejection or significant delays

Underestimating Assets

How to Avoid:

List every asset at fair market value; hiding assets is fraud

Impact: Criminal penalties + offer rejection

Not Using IRS Standards

How to Avoid:

Expenses must follow IRS National Standards or local rates

Impact: IRS disallows your expenses and increases offer amount

Missing Documentation

How to Avoid:

Attach bank statements, pay stubs, and supporting docs

Impact: Request for additional info delays decision by months

Wrong Amount Owed

How to Avoid:

Get IRS transcript to verify exact balance before submitting

Impact: Entire application rejected and must restart

Illegible or Incomplete Forms

How to Avoid:

Type forms (not handwritten); fill every required field

Impact: IRS returns forms as incomplete

Forms Simplified with Our Tools

Our guided form builder walks you through each field with real-time validation, IRS-specific tips, and automatic calculations. Stop guessing and start submitting with confidence.

Get Form Tools Back to Tax Help

Completing IRSTax Relief Forms

IRS Tax Relief Forms Overview

Form 656

Offer in Compromise

Form 433-A

Collection Statement

Form 9465

Installment Agreement

Form 656: Offer in Compromise

Section 1: Personal Information

Section 2: Tax Liability

Section 3: Your Offer Amount

Section 4: Doubt as to Collectibility

Form 433-A: Collection Information Statement

Part 1: Income Information

Part 2: Asset Section - CRITICAL

Part 3: Monthly Expense Analysis

Part 4: Supporting Documentation

Form 9465: Installment Agreement Request

Basic Information

Payment Proposal

Financial Information

Common Mistakes (and How to Avoid Them)

Inconsistent Information

Underestimating Assets

Not Using IRS Standards

Missing Documentation

Wrong Amount Owed

Illegible or Incomplete Forms

Forms Simplified with Our Tools

Completing IRSTax Relief Forms

IRS Tax Relief Forms Overview

Form 656

Offer in Compromise

Form 433-A

Collection Statement

Form 9465

Installment Agreement

Form 656: Offer in Compromise

Section 1: Personal Information

Section 2: Tax Liability

Section 3: Your Offer Amount

Section 4: Doubt as to Collectibility

Form 433-A: Collection Information Statement

Part 1: Income Information

Part 2: Asset Section - CRITICAL

Part 3: Monthly Expense Analysis

Part 4: Supporting Documentation

Form 9465: Installment Agreement Request

Basic Information

Payment Proposal

Financial Information

Common Mistakes (and How to Avoid Them)

Inconsistent Information

Underestimating Assets

Not Using IRS Standards

Missing Documentation

Wrong Amount Owed

Illegible or Incomplete Forms

Forms Simplified with Our Tools

Completing IRS
Tax Relief Forms

Completing IRS
Tax Relief Forms