Tax Debt & Personal Tax Resolution Assistance
Settle your personal tax debt & IRS problems, including any tax liens, with the winning combination of People + Technology at Lothamer.
Personal Tax & IRS Problems and Tax Resolution Services by Lothamer Tax Resolution
The first step to resolving tax issues is to take action or contact a professional for help to avoid IRS penalties. Whatever your reasons for not filing tax returns or not paying back tax debt, we’re here to help set you free.
At Lothamer Tax Resolution, our team of seasoned tax professionals, tax preparers, and IRS Enrolled Agents—including experienced tax attorneys—specializes in resolving personal and state tax issues, including unfiled tax returns, with care, urgency, and proven expertise. Our tax pros have a strong track record in eliminating liens, handling audits, and stopping wage garnishments for clients facing IRS and state tax problems. Whether you’ve missed multiple years of tax filings, are facing growing back tax debt, or have received intimidating notices or an IRS notice, we’re here to provide the guidance and support you need to break free from the stress and uncertainty of tax problems. If you receive a notice from the IRS, our team will help you understand and respond promptly.
We understand that there are countless reasons why taxpayers fall behind on their taxes. Life happens—unexpected job loss, illness, family changes, or financial hardships can disrupt even the most responsible plans and impact your overall tax situation. But whatever the cause, ignoring the issue won’t make it go away. In fact, if you owe money to the IRS or your state’s Department of Revenue, it’s only a matter of time before the consequences escalate, leading to future tax problems. Lothamer’s expertise in resolving IRS and state tax issues includes handling liens, audits, and wage garnishments. Collection notices will begin to arrive, and in more serious cases, you may face wage garnishments, frozen bank accounts, or even property seizures. For many, this creates a cycle of fear and inaction that only deepens the problem. Unpaid taxes and penalties will increase your overall tax liability, and the IRS may take enforcement actions if your tax bill remains unresolved.
If your total debt is under $25,000 and you’re financially able, the IRS may allow you to set up a basic payment plan online. However, for those with larger balances and limited money, or more complex tax histories, professional representation becomes critical. Attempting to navigate the IRS alone—especially with a debt above $25,000—can be overwhelming and often leads to costly mistakes. That’s where we come in. Our tax resolution services include negotiating payment plans with the IRS to resolve outstanding taxes and managing your tax balance to avoid further penalties.
Since 1978, Lothamer has helped thousands of individuals resolve personal tax debt through customized strategies. Whether that means filing multiple years of back tax returns, pursuing penalty relief, or negotiating aggressive settlements like Offers in Compromise for tax relief, we fight to protect your income, assets, and future. When filing back tax returns, it’s important to understand what a tax return is, why it must be filed, and the filing requirements and consequences of not filing—including tax assessment, loss of refunds, and ongoing IRS enforcement. Taxpayers may be entitled to a refund if they overpaid, but must claim it within three years. We also help ensure all estimated tax payments and amounts paid are properly documented and credited. Our process includes reconstructing past tax records by obtaining wage and income transcripts and income transcripts from the IRS, identifying income sources tied to your employer and financial institutions, and reviewing your IRS account to check balances and payment history. We address missing returns and unfiled tax returns proactively, as prompt action is crucial to avoid legal implications and preserve your rights to refunds. Our team is skilled at resolving any tax problem, no matter how complex, and we have extensive experience with common tax problems such as unfiled returns and IRS disputes.
We’ve assisted people from every walk of life: single parents, high-net-worth couples, retirees, gig economy workers, small business owners, healthcare professionals, truck drivers, self-employed individuals facing unique tax challenges, and businesses needing tailored tax services. Those who own their own business must consider specific tax savings and deductions available to them. Taxpayers can benefit from professional tax help, and consulting a tax professional is especially important for complex tax issues. Our tax attorneys play a key role in resolving difficult cases and providing legal expertise.
At Lothamer, we believe in second chances and financial freedom. We offer a free consultation as a no-cost opportunity for you to discuss your tax situation and explore your options. We’ll listen to your concerns, evaluate your options, and build a personalized resolution plan that works for you—not the IRS. Our process is comprehensive, from initial consultation to final resolution, and we maintain a transparent fee structure customized to your needs. We provide a full range of tax services, including tax resolution, back tax return filing, and post-filing assistance. Our tax pros are dedicated to maximizing your refunds by ensuring every available credit and deduction is claimed to reduce your tax liability. Don’t wait for the situation to spiral further. Let us help you reclaim your financial peace of mind and move forward with confidence.
How We Put Actions Behind Our Words
Bad things happen to good people. We understand that working with the IRS can be difficult and intimidating, even embarrassing. But we’re on your side no matter what.
Whether you’ve received a letter from the IRS, are trying to buy or sell a home with a lien, or are dealing with sensitive matters involving marriage, divorce, or inheritance, we’re always available to talk. Once a client, our 24/7 eResolution Client Portal makes meeting with your tax professional and viewing your case status easy and confidential.
If you’ve received an IRS Audit Letter, a wage garnishment, or a visit from a Revenue Officer, it’s time to act fast. No other tax resolution company works faster than Lothamer to protect you. In as fast as 24 hours, we request a stay on collections to stop levies and garnishments and protect your income and assets.
Some tax resolution firms require all fees to be paid upfront before starting your case, or a large retainer. Others work on the case only to the extent that fees are paid in advance. Still others require that clients sign a Promissory Note and charge interest. We do things differently at Lothamer: as long as you faithfully make your monthly payment, we’ll be there to represent you, and you never pay interest.



See the Tax Problems We Solve
We’re ready to answer your call and take immediate action to protect you from the IRS and state tax agencies. We don’t wait around for the IRS—we take proactive steps to stop collection action against you in 24 hours. Whatever your issue, we’ve successfully helped someone in your shoes.
FAQs about Personal Tax Resolution
If you haven’t filed your tax returns for several years, it’s important to take action before the IRS does. Lothamer Tax Resolution can help you gather the necessary documents, prepare accurate returns, and submit them to the IRS. Addressing unfiled taxes proactively can prevent penalties, interest, and more serious enforcement actions like wage garnishment or bank levies.
If you owe more than $25,000, are unable to make payments, or are facing IRS enforcement actions, it’s time to consult a tax resolution professional. Lothamer’s team of tax professionals and Enrolled Agents will evaluate your situation, including when to contact the IRS, and guide you toward the most effective resolution strategy, whether that’s a payment plan, settlement, or temporary relief status.
Yes. If the IRS has reached out to you with letters, phone calls, or collection actions, you still have options. At Lothamer, we act quickly to protect your rights and prevent further damage. We’ll communicate with the IRS on your behalf and work to stop levies, liens, or garnishments while we develop a plan to resolve your tax debt.
We help individuals from all walks of life, whether you’re a salaried employee, contractor, retiree, business owner, or anyone in between. Our clients include high earners, people facing financial hardship, and those who simply fell behind on taxes due to life circumstances. Whatever your situation, we provide personalized tax help to get you back on track.





