Tax Debt in Houston or Anywhere in Texas? Here’s How to Find Real, Long-Term Tax Relief

Tax debt can create a level of stress that follows you everywhere. It may keep you awake at night, distract you at work, or make checking the mail feel overwhelming. If you’re facing tax debt right now, you may be feeling worried, embarrassed, or unsure where to begin. But here’s the most important thing to know: you’re not alone, and your situation is completely fixable.

Every year, thousands of Texans end up owing the IRS more than they expected. Whether you’re in Houston, Austin, Dallas, San Antonio, or anywhere else in the state, tax debt happens to people from all backgrounds — employees, retirees, parents, freelancers, small business owners, and high-earning professionals. It doesn’t matter how responsible or organized you normally are. Life happens, taxes get complicated, surprises come up, and sometimes things fall behind.

At Infinity Resolution, I help clients throughout Texas understand exactly what’s going on with their tax debt and how to resolve it step by step. There’s always a path forward, and it often brings relief much faster than people expect.

Why Do So Many Texans End Up With Tax Debt?

Tax debt rarely happens because someone did something wrong. More often, it stems from life transitions that throw off your routine or create financial strain.

Some people experience a job loss or sudden reduction in income, which makes paying a tax bill impossible at the time. Others go through major life events — illness, divorce, caring for family members, natural disasters, or business hardships. Here in Texas, hurricanes, floods, power outages, and economic shifts have caused plenty of people to fall behind through no fault of their own.

Self-employed individuals, gig workers, and contractors in Houston and across Texas often have unpredictable incomes, making estimated tax payments challenging. Even a simple mistake on a tax return or misunderstanding about withholding can lead to an unexpected tax bill.

Tax debt is not a reflection of your character. It’s a situation — and situations can be fixed.

What Happens When the IRS Identifies a Tax Balance?

The IRS starts by sending notices that explain how much you owe and what steps they recommend. Early letters such as the CP501 or CP503 are reminders, not threats. But if the balance isn’t addressed soon, the IRS escalates communication.

A CP504 warns that the IRS may levy your state tax refund.
An LT11 or Final Notice of Intent to Levy gives the IRS the legal authority to garnish wages or levy bank accounts if no resolution is set up.

These letters can feel intimidating, but they do not mean the IRS has already begun enforcement. They are simply steps in the process — steps that can still be resolved before anything harsh happens.

In many cases, the earlier you take action, the more options you have.

What IRS Tax Relief Options Are Available to Texans With Tax Debt?

Contrary to popular belief, the IRS offers several programs designed to help taxpayers get back on track. These include arrangements that allow you to pay over time, pause collection temporarily, reduce penalties, or reorganize your filings so your true tax liability is known.

Some taxpayers qualify for affordable payment plans that fit into their monthly budgets. Others may benefit from penalty abatement, especially if they have a history of filing and paying on time or can show reasonable cause.

Some need to file unfiled returns before addressing the debt — and often, those filings reduce what they owe significantly because the IRS’s estimates tend to be higher than the true numbers.

In some cases, taxpayers qualify for hardship status, which temporarily halts IRS collection when paying the debt would cause financial strain.

Every case is different, which is why tax resolution isn’t a one-size-fits-all process.

Can Tax Debt Really Be Resolved Before Garnishments or Levies Begin?

Yes. Most IRS enforcement actions can be prevented with timely communication and proper representation. The IRS would much rather work with taxpayers voluntarily than initiate levies or wage garnishments.

Even if you’ve received a Final Notice of Intent to Levy, you still have rights. You can request a Collection Due Process hearing, which pauses enforcement while the IRS reviews your situation.

At Infinity Resolution, I work quickly to contact the IRS, verify the status of your case, and take steps to stop enforcement actions before they start.

Many clients tell me they feel a huge sense of relief after learning they still have time — and options — even after the more serious letters arrive.

How Do You Know Which Tax Resolution Option Is Right for You?

Choosing the right option requires a thorough understanding of your financial situation, your tax history, and the specific notices you’ve received. When you contact Infinity Resolution, I take time to review everything carefully. We go through your income, expenses, past filings, and IRS transcripts so we can determine the most effective strategy.

Some cases require simple adjustments. Others may involve years of unfiled returns or large balances that need a structured plan. No matter your circumstances, I help you understand each option clearly so you feel confident in the path we choose.

You’ll never feel rushed, judged, or pressured. My goal is clarity — and relief.

Why Work With a Tax Professional Instead of Handling Tax Debt Alone?

IRS letters use formal, intimidating language, and the process can feel confusing without proper experience. Many taxpayers accidentally miss deadlines or misunderstand notices, which can trigger faster enforcement or unnecessary penalties.

When you work with Infinity Resolution, you get more than paperwork assistance. I handle communication with the IRS on your behalf, ensure deadlines are met, prevent enforcement actions when possible, and structure a resolution plan that protects your financial well-being.

Most importantly, I take the stress off your shoulders. Tax debt may feel overwhelming right now, but with help, it becomes a manageable problem with a clear solution.

Your Tax Debt Is Fixable — and You Don’t Have to Face It Alone

No matter how long you’ve been dealing with tax debt, there is a solution — and it’s likely easier than you expect once you take that first step. Whether you're in Houston, elsewhere in Texas, or anywhere in the U.S., Infinity Resolution is here to help you understand your options, stop IRS pressure, and take back financial peace of mind.

Infinity Resolution
Michelle Hiller, EA
Serving Houston and all of Texas
(281) 796-1143