😟 Owe more than you can afford to pay?

If the IRS says you owe a balance you simply can’t manage, don’t panic—you may qualify to settle that debt for significantly less. It’s called an Offer in Compromise (OIC), and it’s one of the most powerful tax relief tools available to business owners.

At Nirvana Business Consulting, we help small business owners assess, prepare, and submit successful OIC packages—and we do it with transparency, empathy, and strategy.

  • 💡 What is an Offer in Compromise?

    An Offer in Compromise is a formal request to the IRS to settle your tax debt for less than the full amount owed, based on:

    Your income

    Your expenses

    Your assets and equity

    Your ability to pay over time

    If accepted, your tax balance is permanently reduced—and you’ll never owe the IRS again for those years.

  • ✅ Who Qualifies?

    You may qualify for an OIC if:

    You owe the IRS $10,000 or more

    You’re unable to pay your debt in full without financial hardship

    Your income is unstable or significantly lower than the debt

    Your assets can’t cover the full liability

    You’ve filed all required tax returns

    We’ll help you determine your eligibility in your intake.

  • 🛠️ What We Do for You

    Whether you want guidance or full hands-on representation, we help you:

    ✔️ Run your OIC pre-qualifier analysis
    ✔️ Complete IRS Form 656 and Form 433-A/B
    ✔️ Document hardship or reduced ability to pay
    ✔️ Build a compelling offer package
    ✔️ Submit and monitor your application
    ✔️ Respond to follow-up or requests for evidence

  • 🎓 DIY: OIC Starter Kit

    Settle on your own with expert-built resources.

    IRS forms pre-filled with guidance

    Video tutorials

    Letter templates & checklist

    Perfect for: Small tax debts or confident filers

    Access Here

  • 👥 Done With You (DWY)

    You do the submission, we do the strategy.

    OIC strategy call

    Form review + edits

    Final package checklist

    Perfect for: Those with bookkeeping support or limited budget

    DWY Questionnaire

  • 🙌 Done For You (DFY)

    We handle it all from analysis to resolution.

    Pre-qualifier analysis

    Full form prep + submission

    IRS communications + follow-up

    Appeals and escalations, if needed

    Perfect for: High-stakes cases, large balances, or stress relief

    DFY Questionnaire

“I owed the IRS over $27,000 and thought I’d never be free. Marian helped me settle for $6,800—and I actually cried. This was life-changing.”

— T. Greene, Independent Contractor