Are you feeling overwhelmed and ignored by the IRS?

Do you feel like your tax problems are just being swept under the rug

with no clear path to resolution?

Well, today we're gonna discuss how the taxpayer's advocate

service, or TAS, or TAs, as they're called, can be your lifeline.

In these challenging times, we're gonna explore what the TAs is, how it can help

you, and why understanding this service can alleviate your financial stress.

So if you're in need of a helping hand with your taxes.

Stay tuned today because this show is for you.

The question we're going to be answering is what is the taxpayer's advocate

service and how can they help me?

Welcome to the show.

I'm Ralph, your financial evangelist, and I am so glad you joined me today.

I appreciate you taking the time to be here.

And I promise today's topic is going to make a real impact on your financial life.

It's going to be a very practical discussion.

Our theme here is always about helping you escape that cycle of financial shame.

We want you to escape that with confidence.

So today we're going to focus on a crucial resources that can help you

navigate the complex world of taxes with greater ease and understanding.

So listen, if you've ever felt lost or overwhelmed by tax

issues, today's show is for you.

We're going to be discussing the Taxpayer's Advocate Service.

That's a powerful ally within the IRS that can help you resolve your tax

problems and truly ensure fair treatment.

And here's my promise for you.

By the end of the show, you're going to have a clear understanding of how to

access this service and the steps you can take to alleviate your tax related stress.

So stay engaged.

Thanks.

Bye bye.

And let's get into some key takeaways that will help you move beyond

your current financial challenges.

Yesterday we talked about how to maintain your faith during

difficult economic times.

So if you missed it, we discussed the importance of trusting in God's plan and

finding strength in prayer and community.

You can catch up on that and all of our episodes at AskRalph.

com Now today we've got a listener question that hits really

close to home for many of us.

So here it is.

Dear Ralph, I've been struggling with my taxes for months now.

I've tried contacting the IRS multiple times, but I feel

like I'm not getting anywhere.

I've submitted all their required documents, followed their procedures,

and even tried to speak with different departments, but it seems

like the IRS just doesn't care.

I'm starting to feel overwhelmed and I'm starting to feel hopeless.

I'm losing sleep over this and it's affecting my daily life.

Is there any service or resource that can help me navigate

this maze and get some relief?

Please help.

And that was signed by Joyce in Ohio.

Well, Joyce, let me start by saying thank you so much for reaching out.

I can't imagine how frustrating and overwhelming it must feel

like when you're stuck in this never ending loop with the IRS.

Sounds like you've tried to resolve the issues, but it

seems like it's getting nowhere.

It seems like nothing's working.

Well, first thing I want you to know is you're not alone in this struggle.

Many people face these similar challenges and it truly is easy to feel overwhelmed.

It's easy to feel hopeless, but today I want to give you hope and

I'm going to give you some concrete steps to help you navigate this

situation because here's a truth.

I've been in your shoes.

I've been there both personally and with many clients, and I've seen firsthand

how these tax issues can cause immense stress and immense financial strain.

But let me tell you right now, there is a way out and that's where the taxpayers

advocate service can come in and help you.

This service is designed to help taxpayers just like you find

relief and find a resolution.

So let's move into what the TAS is and how it can help you today.

Before we drill down into the details, let's turn to the Bible for some

guidance in the book of Philippians chapter four, verses six to seven.

It says this, and I love to use this one on the show, probably

use it at least once a week.

do not be anxious about anything, but in every situation by prayer

and petition with thanksgiving, present your requests to God and the

peace of God, which transcends all understanding will guard your hearts

and your minds in Christ Jesus.

What a beautiful verse.

And you see this verse reminds us that even in the midst of our struggles, even

in the midst of those difficult, those trying times, we can find peace and

comfort when we simply turn to God, when we face financial or tax related issues.

It's easy to become anxious.

It's easy to become overwhelmed.

Joyce, I know that's what you're feeling right now.

I've worked with clients in the exact same situation you're in, but by

trusting God and seeking his guidance, we can find strength and clarity.

We need to navigate those challenges.

And I am incredibly grateful for the opportunity to help people

like you, Joyce, help people find relief from their tax burdens.

The Lord has blessed me with experience and.

Understanding to assist others in overcoming these financial

challenges from a place of faith.

And I am thankful, and it might sound a little silly, but I'm thankful

for the taxpayers advocate service because it provides a valuable

resource that really seeks to ensure fairness and support for taxpayers.

It's a reminder that we are never alone in our struggles and that help is

available when you know where to look.

And that's exactly what we're going to talk about on today's show.

Well, now let's get to the meat of today's topic and that's

the taxpayers advocate service.

Let's talk exactly what they are They're an independent

organization within the IRS.

They are actually a part of the IRS They sort of sit on the sidelines of

the IRS and they are designed to act as a dedicated voice for taxpayers

Their mission is pretty simple.

It says it's to ensure that Every taxpayer is treated fairly and understands their

rights as outlined in the tax law.

Now that in practice, that might be a little difficult to come by.

And this service has become invaluable for those who have diligently tried to resolve

their problems through standard IRS channels, but have encountered roadblocks.

And I just want to start by parking right here for a second.

The TAS or the Taxpayers Advocate Service is not designed to be

your first point of contact.

If you try to do that, they are going to deny you from opening a case with them.

These people are there to help you once you've tried to work

through the normal channels.

And I just want to park here for a second to explain that because a lot

of people hear this, Oh, taxpayers advocate, this is where I can go

and get all my tax issues resolved.

Yes, but not until you've exhausted those other things.

So Joyce, I want to share a personal story with you that can illustrate

just how powerful this TAS group is.

A few years ago, I worked with a client, and we'll call him Damien.

Now Damien was this hard working, he's a small business owner, and he found

himself in a tax dispute with the IRS.

I don't even remember the specifics of it, but he had tried

Everything to resolve this issue.

He submitted letters, he submitted documents, he made phone calls, but he

felt like he was spinning his wheels.

He just wasn't getting anywhere and the stress of that situation was taking a toll

on his personal health and it was taking a toll on his business because he was

so distracted by this and their threats of levy and their, their threats of tax

liens that he just threw his hands up.

And eventually reached out to me.

And one day he came to me and he was in tears.

I mean, he was feeling completely hopeless at this point.

He had received yet another notice and these notices were so confusing to him.

This one from the IRS.

And he really didn't know what to do.

And I listened to his story and I could, I could feel his pain and his frustration.

He told me about all the things he had tried in the letters.

He brought in a file had to be four inches thick of Ralph.

I started with this notice and then I respond to that and they sent me this one.

And then I responded to it and it seemed like I wasn't getting anywhere.

So then I called them and I talked to this person and this was the person's name.

And this was their ID number.

He said, but Ralph, I just keep going deeper.

And deeper.

And I just sat back and I said, you know what, Damien,

let me see if I can help you.

Cause I knew that he needed more than just my advice.

Now he needed an advocate.

I could help him, but the problem was his issue was really, he needed

somebody at the IRS to move on it.

I looked at his paperwork and he was absolutely right in the things he

was trying to convince them of, but they just weren't moving forward.

So what I do, I introduced him to the taxpayer's advocate service.

We contacted Taz and immediately they stepped in to help.

They clarified the nature of the issue.

They explained what the required actions would be.

And they guided Damien through the next steps.

And this is what TAS does.

They act as a liaison.

They act as a liaison between the client and the IRS or the taxpayer and the IRS,

in this case, between Damien and the IRS.

And they are there to make sure that his voice was heard and

that his rights were protected.

Now, didn't happen overnight.

I'll be very clear about that.

Most people think, Oh, I'm going to contact these people and tomorrow

I'm going to have a resolution.

Usually it doesn't play out like that, but within a few months, which, Hey,

listen, Damien had been in this mix for like two years, but within a few

months, Damien's tax issue was resolved.

It was finally resolved.

Some of the tasks took the handle and they ran with it.

They got it up through the channels at the IRS and Damien was finally able to

focus on his growing business again.

And let me just tell you.

I saw this transformation in Damien's life.

And it was incredible.

He actually became a monthly client from us.

And he went from feeling overwhelmed and feeling hopeless.

And then all of a sudden he felt empowered and he felt like he was

in control of his financial future.

And my friends, that's the power of the taxpayer's advocate service.

It provides a crucial pathway for taxpayers who might be feeling

otherwise lost or overwhelmed or, or just feel like they're not being heard.

They help you navigate the complexities of the tax situation.

Or the tax system.

So if you're in a similar situation, here's the first thing I'm gonna

tell you, just like you wrote today, Joyce, don't lose hope.

The TAS is there to help you.

the TAS is there to help you.

And I'm going to give you some concrete action steps to help you get started.

So let's talk about the common issues that TAS helps resolve, because like

I said at the beginning, you need to understand what their role is.

TAS can assist you with various tax issues, including some of these things.

I'm just going to highlight a bunch of them today on the show.

Number one thing, complex IRS communications, just like Damien, I

got taxpayers often receive notices and letters from the IRS that are confusing.

They're difficult to understand.

Many times they're overlapping.

I love this one.

I love when you get a letter from the IRS.

It says, yes, we got your notice, but it's going to take

us some more time to resolve it.

And then maybe the next day you'll get a notice.

It looks like it totally contradicts that.

Well, that's one of the things that TAS can do.

The TAS can help you clarify the nature of the issue you're facing.

They can explain the required actions and guide you on the

next steps you need to take.

So that is really their first role.

If you've got a confusing situation, you've got a confusing notice.

They can help you navigate through that and help you get

to the resolution you need.

The second thing TAS will do is.

Help with payment challenges.

Sometimes individuals and families are struggling to meet their tax obligations.

Hey, it happens.

I'm going to be talking about that later in the show.

You like, what do you do if you can't afford to pay your taxes?

And TAS can help you.

If you're having this situation where you're struggling or you've

got some financial hardships, TAS can help explore some potential options.

They can help you with an installment agreement or.

Help you do an offering compromise.

They can provide guidance on how to approach these situations and

work towards a resolution that fits your financial circumstances.

Now I'm going to be honest, this is not for where you start this process.

The IRS has channels for doing payment plans for installment agreements.

And for those, uh, when we're trying to reduce that tax debt.

Now, if you're hitting a brick wall, if the.

Iris isn't responding to you.

That's when you can go to TAS.

And I'm going to talk a little bit later in the show about

how exactly that you do that.

But once you've exhausted those areas, once you've tried to what they call work

through the normal Iris channels, because when you ask for help from TAS, that's

the first thing you're going to say to you is like, what have you done so far?

Let's see the correspondence that you've already used to get to this thing.

Let's look at number three and that's tax return errors.

The truth is mistakes on tax returns happen.

And they need to be resolved.

So one of the things that TAS can do is they can help you in

assisting and resolving those errors.

It can help you address those general tax related questions

that haven't been resolved through the standard IRS processes.

I've seen this happen from time to time when a taxpayer made an error, then they

submitted an amended return, but it's like the IRS doesn't, isn't listening.

They're not.

Processing this.

So we reached out to TAS after we had tried letter upon letter

and call after call, and they can help you resolve those areas.

They will tell you, okay, we need to talk to this division in the IRS.

Let me send a letter for them, or let me send a letter to them.

Let me tell you, here's a follow up.

That's one thing that's great about TAS, and I'll just mention that here.

They're very good at giving you follow up dates.

They'll say to you, okay, Ralph, we're going to do this,

and I'm going to 30 days.

I'm going to respond back to you in 15 days.

It really depends.

On the situation and the importance of that particular situation.

Now, another thing TAS can do is they can help you with tax refund delays,

because sometimes people get delayed in receiving their tax refunds.

I don't know about you, but a lot of people are waiting for that money.

So sometimes TAS can step in and help track the status of a

tax refund and understand what could potentially holding it up.

Again, this is not the where's my refund starting point.

This is if you've done that and maybe it's been months or it's, Hey, I hate to say

this, but maybe it's been years and the IRS just isn't issuing you your refund.

You've provided them with correspondence.

You provided them with what they're asking for, but you're

just not getting a resolution.

That's where TAS can step in and help you get to that resolution.

One of the things I see Taz doing a lot of is small business tax issues, because

just like Damien, small businesses often face unique and complex tax issues.

Sometimes those things are a little bit more complicated.

There may be a payroll related issues.

There may be payroll taxes and all that sort of thing.

And if the iris isn't responding to you, if they're not being proactive and

actually trying to help you, Taz can offer some specialized support that are

tailored to the needs of small businesses.

Maybe it helps you like I talked about with understanding employment taxes,

or maybe there's an issue with some business deductions that the IRS is

disallowing, but you're saying, wait a minute, the IRS code says I can do this.

And that's where TAS can help you step in and resolve some specific

tax problems that are impacting the operations of your business.

Or maybe the IRS is threatening to levy your accounts or somehow

come after you with a tax lien.

Another thing that TAS can do is help with international tax issues.

I'm not going to spend a lot of time talking about that, but taxpayers with

international tax obligations sometimes run into some other issues when they're

working abroad or living abroad.

And Taz can step in and help you with some dedicated resources and

some guidance to navigate these.

And these things aren't simple.

So these are an area where if you've tried to work through normal Iris channels and

the person at the other end of the Iris just isn't understanding the, the degrad,

the, you know, How big an issue this is from an international perspective.

And I've seen clients that had to do that.

They had a very interesting, like maybe they're living overseas

or they're working overseas.

That's where TAS can step in and help.

Another great thing that TAS does is they can help in disaster relief issues.

Sometimes you have tax related issues arising from federally declared disasters.

You know, maybe you've got an extension on the amount of time, or

you can't get to your paperwork, or maybe your paperwork was destroyed.

And you've tried to explain this to the, the normal channels at the IRS,

but they're just not listening to you.

Well, TAS can step in and offer some specific tax related guidance

and support to help those who are affected by natural disasters.

Individuals and businesses.

And they also are cleanly aware of some disaster relief tax provisions,

and they can give you assistance in navigating these and filing

claims related to disaster losses.

And if you've ever been through one of those, I haven't personally been

through one of those, but I've had some clients that have been through those.

Those can be really difficult situations to get through.

Now, another thing that TAS does is they'll help low income taxpayers,

many low income taxpayers and individuals over the age of 60.

They need help with their taxes.

Well, TAS actually offers some volunteer tax assistance programs

for those people who need free tax preparations and assistance.

Again, I'm not going to spend a lot of time talking about it,

But the TAS people can connect you with qualifying individuals.

Maybe they, they offer free tax preparation, or maybe there's

some assistance programs.

Maybe you've gotten yourself into tax debt, but you just can't

afford to pay somebody to help you.

They can help you and ensure that those who might be struggling to

afford professional tax help will still have access to accurate and

reliable tax preparation services.

Really one of the big takeaways that I get from working with TAS

and I've worked with them, I think I've been doing this for 30 years.

This is something I've, and I've worked with them many times and

most of the time, they're great.

They'll give you resources.

They really try to help people navigate situations, which

leads me to the next thing.

They can help you with tax disputes and representation, because

listen, this is going to happen.

Sometimes disagreements or disputes happen with the IRS.

And in that case, you know, maybe you've worked through the channels,

you provided everything the IRS said that you needed to provide, but

they're just not listening to you.

You're not getting anywhere.

Well, TAS can provide you assistance in helping you navigate these

situations and help work to a mutual beneficial resolutions.

One of the things that they mentioned here, when I did my research for the

show, they, they offer, uh, taxpayers, low income taxpayer clinics, where they

help people who are struggling with income issues with the tax situation.

Maybe they offer some low cost or, or free legal representation

in these tax disputes, because sometimes people are going through

tax issues, don't have the resources.

Maybe.

They've been disabled.

Maybe they're in a situation where they just, you know, they're not working.

They've lost their job.

Maybe they've had a major disaster and they can't go out

and afford to pay somebody.

And they've, they've tried, they've called the IRS number.

They've sat on hold for hour upon hour.

They've sent in all the information that they need.

And now the final thing, and I love this about TAS, TAS will

help with systemic tax problems.

In other words, they'll look at things that are issues with the system,

with the IRS system in general.

I have had many TAS representatives say to me, Hey, you know what I can see

where this is affecting many people.

It's having an impact on many people.

And that's where actually I believe that TAS kind of likes these even better.

They'll, deal with the individual situations, but they love to analyze

patterns with taxpayer problems.

And that's the great part of this.

They can recommend changes to both the IRS And to Congress,

you'll see annually, the taxpayers advocate will go meet with Congress.

They'll testify before Congress, and they'll start to give Congress some ideas

of how to improve the tax situation so that people are being treated fairly.

Nothing that Taz does.

Is they are taxpayer right advocates.

They ensure that taxpayers rights are protected and upheld.

One of the champions of this is TAS.

They act as a champion for taxpayers.

They're working, like I said, a few minutes ago, they're working to

ensure that you've got fair treatment.

They're working to make sure that the IRS is doing what they

say they're supposed to do.

They're, they're meeting your fundamental rights throughout

that tax administration process.

So now I feel like you've got a really good idea, Joyce, of what TAS does.

Well, let's talk about specifically, how do you get TAS to come to bat for you?

Well, the first thing you want to do is you want to gather all your

information before you contact TAS, gather all the relevant information

and documents, because once you get on the phone with them, or once they

reach out to you, you're going to want to have your information in

order related to that tax issue.

Now, again, Remember, they are not your, for your first level of, of assistance.

This is after you've gone through IRS channels.

So one of the things you want to be aware of is keep track of all your phone calls.

Keep track of every letter you've spent.

Keep track of every piece of correspondence you receive from the IRS.

Make sure you have that well laid out, have copies of those notices.

And here, this is the thing you're going to understand.

When you ask TAS for help, you want to give them a clear explanation of

the problems you're facing and the steps, and this is important because

you need to lay it out for them.

You need to lay out the steps you've already taken to try to resolve it.

You know, I called the IRS on this date.

I sent the IRS this notice on this date.

I sent them this letter.

I provided this information.

Here's their follow up.

Here's their lack of follow up.

The second thing.

So once you've assembled all that information, you're going

to submit a request online.

That's the best way to do it.

It's the most convenient way to do it.

You can go online through the TAS website and I'll put some links in

the show notes to how to get to that.

But basically they have their own taxpayer advocate site and there's

a, there's a request form that you can submit a request from.

It's actually a form nine 11.

So you can also fill that out.

You can download that directly from the IRS website, fill it out and send it in.

But here's the thing you need to make sure of, make sure you include

all of your contact information.

Make sure you include the nature of your problem.

And the form really kind of walks you through this.

It'll say, what steps have you taken?

What was the result of those steps?

And I like this on the phone.

It's sort of cut to the chase.

They say, what is it that you want the TAS group to do?

So once you send that, if you don't get a response, you can actually

contact their local TAs office.

You can be more, you know, direct on this.

You can contact them.

There's a list of phone numbers on their website.

You can find the local office and then call.

You can actually go and visit them.

I'm not sure, since Covid, whether you can actually go and visit them.

You might be able to set up an appointment, but you can discuss

their issue with an advocate.

They've also got an 800 number.

You can contact them.

I'm gonna give that number and it's a bunch of seven, so get ready.

It's 1 8, 7, 7.

8, but I'm going to put that in the show notes and you can actually speak

to a representative right there.

But again, be prepared, be prepared to explain your issue, be prepared to

discuss what you've already done and provide them with all the necessary

details about your tax problem.

Because if you're not prepared, what you're going to hear is they're

going to say, that sounds good.

We'd love to help you, but you need to go and get your homework done first.

Taz isn't going to help you try to figure out.

What, you know, what happened in the past, they will help you move forward,

but you've got to do the due diligence.

You've got to do the legwork to get started.

So Joyce, you might be saying, well, what can I expect after I file a complaint?

Well, the way that it works with TAS is there's, it starts with a case assignment.

So once your case is accepted by TAS, and again, you have to get past that hurdle

of, are they going to take your case?

Have you tried to work through the normal channels?

Once that happens, you're going to be assigned a dedicated advocate

and that person's going to serve as your point or your primary point

of contact throughout the entire process of resolving your tax issue.

They're going to contact you.

They're going to discuss your case in detail.

They're going to walk through all the information.

They're going to gather any additional information that you need, and

they're going to give you a realistic timeline, which I think is great.

They're going to say to you, okay, Ralph, here's what you can expect.

Or let's say Joyce, Joyce, here's what you can expect.

We received your case.

Here's your case number.

Here's the issue you're telling us.

Here's the things you've already done, and here's what you want us to do.

So once they give you that information to give you follow up dates, then

they're going to start working on assistance and resolution.

They're going to work with you to understand the issue.

They're going to help you.

So that TAS does.

It's a tool that you can use to help you navigate through the different

departments in the IRS that can help you get to where you need to get to.

One of the things I think is great about TAS is they will help keep

you informed about the progress of your case and they'll tell you what

steps are being taken to resolve it.

So that is really, uh, in a nutshell, what TAS does.

Taz does.

We talked about why you do it.

So if you are in that situation, I'm going to talk in a few minutes about

some, some key takeaways from today.

But if you're in that situation, Taz is really a great group to help you.

But before I finish today, I want to encourage you to

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And don't forget.

I also write a daily blog post.

I do this every day when I, when I record the show, I go back and I write a blog

post based on the content of the show.

So in today's blog, I'm going to go even deeper into the details of

the taxpayer's advocate service.

I'm going to give you those numbers.

We talked about, I'll give you their website.

I'm going to talk about some additional resources you can use,

and I'm going to talk to you.

How about I created this show, all the additional resources that were

used and how I was able to uncover the different components to the show.

And you'll find all of those things.

At ask Ralph podcast.

com slash blog.

Well now Joyce, let's get to our reflection questions.

Cause I want to leave you with some reflection questions to help you meditate

on the key topics we discussed today.

And the first one's this, and this may not affect you today.

Today's show might be one of those.

You're like Ralph, I'm not having tax issues, but here's what I'm

going to encourage you to do.

You might know somebody who's having tax issues or you might

have these taxes in the future.

So share the show with somebody bookmark the show, but somebody might be going

through tax issues with the IRS and you could be a huge encouragement with them

if you just share the show with them.

So let's start with our first reflection question.

That is what specific tax issues are causing you the most

stress and anxiety right now?

What are those things that You're, you're bothered by, you know, what

are the things that you're trying to work through the normal IRS channels,

but you're not getting anywhere.

My second reflection question kind of follows along with that.

And how can the taxpayer's advocate service help alleviate some of that stress

and provide you with the support you need?

And number three, if you find yourself in this situation.

You know what I say on the show, it's all about action.

So what action steps will you take today to reach out to TAS and

start resolving your tax problems?

Well, now, Joyce, let's talk about the key takeaways from today's show.

I was like to sort of recap this at the end, in case you missed it.

The Taxpayers Advocate Service is an independent organization within the IRS.

And I know that sounds kind of contradictory, but they sort

of ride alongside the IRS.

Their main thing, the main goal of them is they.

Advocate for taxpayers.

They ensure fair treatment and help taxpayers understand their rights.

TAS can help assist with various tax issues, as we talked about, including

deciphering complex communications.

Those notices can sometimes be like, you feel like you got to have a

rocket science degree to, to figure them out, but they can help you

decipher those complex communications.

They can help with resolving tax errors and addressing payment challenges.

We talked about how to reach them.

You can submit a request online.

Like I said, that is really the best way to do it.

You can contact their local office or you can call their toll free helpline.

Again, that will be in the show notes.

Taz also addresses systemic problems.

And like we talked about, that's one of the things that I think

they really do a great job of.

They, they address systemic problems within the tax system.

So if you know an issue, maybe it's something that you're

like, why did the IRS do this?

I don't understand this.

You can reach out to Taz and say, Hey, The next time you go, uh, to go, you know,

go meet with the Congressman or go meet with, with, with people in the know there,

Hey, why don't you think about this?

And that can help contribute to potential improvements for all taxpayers.

So again, I want to remind you one more time, join our newsletter so that

you can stay up to date with the show.

That's at askroutpodcast.

com slash newsletter.

Now, tomorrow we're going to be discussing another fascinating

topic, and I'd love this one.

When I, when I started thinking about the show for tomorrow, I said, you

know what, one of the things that my grandfather said, always used

to say is you get what you pay for.

So tomorrow's show is going to be, is cheap advice really worth the price?

That's a nice rhyme there, but that's what we're talking about.

Is cheap advice really worth the price?

We're going to explore the value of professional advice.

And why investing in quality guidance can make a significant

difference in your financial life.

So don't miss out on that important conversation.

So Joyce and everyone else, thank you so much for joining to me today.

I'm grateful for your time and your support of the show.

Remember my passion is to help you achieve financial success.

I want to see you live out your dreams and I want to see you grow in your faith.

And together we can master your finances from a Christian perspective.

So as always in this show, stay financially savvy out there and

may God bless you abundantly.