Tampa CPA Firm Gives IRS-Targeted Taxpayers a Clear First Step Before Enforcement Gets Worse
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TAMPA, FL – September 15, 2026 – My Tax Relief Experts, the Tampa-based CPA firm led by John F. McCaffrey, CPA, has formalized a personal IRS Resolution Review for individuals and small business owners across Florida who are facing back taxes, unfiled returns, wage garnishments, bank levies, or active IRS enforcement. The review is conducted directly by McCaffrey and produces a documented picture of the taxpayer’s situation along with a specific set of resolution paths that realistically apply to it.
What the Review Actually Covers
The IRS doesn’t get emotional about collections. It follows a sequence, and that sequence moves faster than most people expect. By the time a taxpayer feels the pressure of an IRS notice, several deadlines may already be ticking.
The resolution review is built around that reality. McCaffrey personally examines each client’s IRS notices, outstanding balances, filing history, and financial circumstances, including income, living expenses, and any assets that affect what resolution options are available. From that review, he identifies which paths apply to the specific situation.
Those paths include:
Installment Agreement: a structured monthly payment plan to resolve outstanding tax debt over time Offer in Compromise: a settlement option that allows a taxpayer to resolve their liability for less than the full amount owed, available when paying in full would create genuine financial hardship Currently Not Collectible status: a temporary hold on IRS collection activity when a taxpayer cannot meet basic living expenses and pay their tax debt simultaneously Penalty Abatement: a request to reduce or eliminate penalties when the taxpayer has reasonable cause or a clean prior compliance history Collection relief: direct intervention to stop or release enforcement actions such as a wage garnishment or bank levy
Not every taxpayer qualifies for every option. Offer in Compromise eligibility, for example, depends on income, assets, household expenses, and IRS policy calculations that most people have never seen. What the review does is cut through that uncertainty and tell each taxpayer what they’re actually working with, not what they were hoping was true.
Why Starting Without This Information Costs More
Consider a small business owner who receives a notice about unpaid payroll taxes. Without understanding that payroll tax liability carries a personal component called the Trust Fund Recovery Penalty, that owner might pursue a business installment agreement while remaining personally exposed to a separate IRS assessment. The right first move and the wrong first move can look identical from the outside. The difference only becomes clear once someone has looked at the full file.
That’s what McCaffrey does with 31 years of IRS resolution experience behind it. He knows which notice types signal that enforcement is days away rather than weeks. He knows what the IRS weighs most heavily when evaluating an Offer in Compromise. He knows when a Currently Not Collectible request will hold and when it won’t.
The most expensive decision a taxpayer can make right now is waiting. IRS enforcement tools, including federal tax liens, bank levies, and wage garnishments, don’t require advance notice once the collection process is underway. A bank levy can clear an account before the account holder’s next scheduled transaction. A wage garnishment continues every pay period until someone formally stops it.
Honest About What Resolution Looks Like
Not every situation ends in a dramatic reduction of the amount owed. Some taxpayers are strong candidates for an Offer in Compromise. Others are better served by a payment plan that’s accurate, sustainable, and structured to stop penalties from growing. The resolution review identifies which scenario applies and explains why, clearly and without inflated promises.
My Tax Relief Experts is BBB accredited. The firm handles all IRS communications on behalf of clients once representation begins, meaning the taxpayer no longer receives direct IRS contact. Consultations are available in person at the Tampa office, by phone, or virtually, and the firm serves clients nationwide.
The wrong move at this stage can close off options that are still available right now. The resolution review is where that risk gets eliminated.
Tampa Bay residents and Florida taxpayers who have received IRS notices, have unfiled returns, or are facing active enforcement can schedule a consultation at https://mytaxreliefnow.com/ or by calling (813) 936-2321.
About My Tax Relief Experts
My Tax Relief Experts is a Tampa, Florida-based CPA firm led by John F. McCaffrey, CPA, with more than 31 years of experience in IRS tax resolution. The firm serves individuals and small businesses dealing with back taxes, unfiled returns, payroll tax problems, wage garnishments, bank levies, and IRS liens. My Tax Relief Experts handles all IRS communications on behalf of its clients and is BBB accredited. Consultations are available in person, by phone, or virtually, with clients served throughout Tampa Bay and nationwide.
Media Contact
Company Name: My Tax Relief Experts
Contact Person: John McCaffrey
Email: Send Email
Phone: +1 (813) 936-2321
City: Tampa, Florida
Country: United States
Website: https://mytaxreliefnow.com/
