{"componentChunkName":"component---src-templates-post-tsx","path":"/what-to-do-if-you-receive-an-irs-tax-debt-notice/","result":{"data":{"ghostPost":{"id":"Ghost__Post__6a764c0b8478e50001eb0fec","title":"What to Do If You Receive an IRS Tax Debt Notice","slug":"what-to-do-if-you-receive-an-irs-tax-debt-notice","featured":false,"feature_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2026/08/What-to-Do-If-You-Receive-an-IRS-Tax-Debt-Notice.jpeg","excerpt":"Learn what to do after receiving an IRS tax debt notice, including how to verify the amount, respond on time, and review payment options.","custom_excerpt":"Learn what to do after receiving an IRS tax debt notice, including how to verify the amount, respond on time, and review payment options.","created_at_pretty":"07 August, 2026","published_at_pretty":"07 August, 2026","updated_at_pretty":"07 August, 2026","created_at":"2026-08-07T21:20:11.000+00:00","published_at":"2026-08-07T21:33:56.000+00:00","updated_at":"2026-08-07T21:33:56.000+00:00","meta_title":"What to Do If You Receive an IRS Tax Debt Notice","meta_description":"Learn what to do after receiving an IRS tax debt notice, including how to verify the amount, respond on time, and review payment options.","og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[],"plaintext":"Disclaimer: This article is for general informational purposes only and does not\nconstitute tax, legal, financial, or professional advice. IRS notices,\ndeadlines, appeal rights, collection actions, penalties, and resolution options\ncan vary by taxpayer situation and notice type. Always review official IRS\ncommunications carefully and consider speaking with a qualified tax professional\nor attorney before responding to an IRS notice or making tax debt decisions.\n\nAn IRS notice in the mailbox triggers a very specific kind of dread and then,\nfor many people, a period of avoidance that makes the situation considerably\nworse. The IRS sends notices for a wide range of reasons, and not all of them\nare emergencies. But some are. The ones that require a response have deadlines\nthat, once missed, close options that are otherwise available. Reading the\nnotice carefully, understanding what it’s actually asking, and acting within the\nrequired window is the first and most important step in managing any IRS tax\ndebt situation.\n\nThe steps below apply regardless of which state you’re in—IRS federal tax debt\noperates under uniform federal procedures nationwide. If you’re looking for\njurisdiction-specific guidance, you can click here for debt relief info by a\nNew\nYork tax attorney [https://www.jdavidtaxlaw.com/new-york-tax-attorney/] as one\nexample of how local representation applies federal tax resolution strategies to\na specific market.\n\nRead the Notice and Identify What It’s Asking\nEvery IRS notice includes a notice number in the upper right corner.\n\n * A CP14 is a balance-due notice.\n * A CP2000\n [https://www.findlaw.com/tax/tax-problems-audits/received-an-irs-cp2000-notice-heres-what-to-do-next.html] \n is a proposed adjustment based on information the IRS received from third\n parties.\n * A Letter 1058 or LT11 is a Final Notice of Intent to Levy, requiring\n immediate attention.\n\nIdentifying the notice type tells you the urgency level, the response deadline,\nand what the IRS is asking you to do. The notice also includes a phone number,\nthe amount it believes is owed, and the basis for that determination.\n\nDon’t Ignore It But Don’t Panic Either\nSome notices are informational. Some require a response within 30 days. Some are\nearly-stage balance-due notices that give you months before enforcement becomes\na real possibility.\n\nThe key is knowing which type you’re dealing with rather than assuming the worst\nor, more dangerously, assuming it can wait. Ignoring a notice does not make the\nliability disappear. It triggers the next notice in the escalation sequence,\nwhich is always less favorable. Responding preserves options. Not responding\neliminates them.\n\nVerify Whether the Amount Is Actually Correct\nThe IRS is not infallible. CP2000 notices—which propose additional tax based on\nincome reported by employers, banks, or investment platforms—are frequently\nwrong. The IRS may have received duplicate information, misapplied a payment, or\nfailed to account for deductions the taxpayer claimed.\n\nBefore agreeing to any balance, compare the notice against your filed return and\nsupporting records. If the IRS’s calculation appears to be based on incomplete\nor incorrect information, that discrepancy is the basis for a written response.\nPaying a balance you don’t actually owe isn’t required, and corrections can be\nmade—but only if you respond.\n\nUnderstand the Resolution Options Available to You\nIf the balance is correct and you can’t pay it in full, several paths are\navailable. An installment agreement lets you pay over time; the IRS has\nstreamlined programs for balances under $50,000 that don’t require a financial\ndisclosure to qualify.\n\n * An Offer in Compromise settles the debt for less than the full amount if you\n qualify based on income, expenses, and asset equity.\n * Currently Not Collectible status pauses collection if you genuinely cannot\n pay without jeopardizing basic living expenses.\n * First-time penalty abatement can reduce the penalty portion if you have a\n clean prior compliance history.\n\nEach option has specific eligibility requirements, and some are mutually\nexclusive, so understanding which fits your situation before acting matters.\n\nKnow When to Bring in Professional Help\nSimple balance-due notices with straightforward amounts can sometimes be handled\ndirectly—by setting up a payment plan through the IRS website, for example. But\nthe moment a notice involves an audit, a proposed assessment you believe is\nwrong, a levy or lien, a criminal investigation indicator, or a complex\ndetermination about which resolution program applies to your situation,\nprofessional representation changes the outcome in ways that are difficult to\nreplicate without it.\n\nA tax attorney can respond on your behalf, protect your rights, and negotiate\nterms that a taxpayer working alone rarely achieves.\n\nThe Notice Is the Beginning of the Process, Not the End\nAn IRS tax debt notice is not a final judgment. It’s a communication that\nsomething needs to be addressed, and the earlier it gets addressed, the more\noptions remain available. Penalties stop accruing when the debt is resolved.\nAppeal rights are preserved when responses are timely filed. Collection actions\nare avoided when the taxpayer engages before enforcement begins. The notice\nsitting on the counter is a solvable problem—but only if it’s acted on.","html":"

Disclaimer: This article is for general informational purposes only and does not constitute tax, legal, financial, or professional advice. IRS notices, deadlines, appeal rights, collection actions, penalties, and resolution options can vary by taxpayer situation and notice type. Always review official IRS communications carefully and consider speaking with a qualified tax professional or attorney before responding to an IRS notice or making tax debt decisions.

An IRS notice in the mailbox triggers a very specific kind of dread and then, for many people, a period of avoidance that makes the situation considerably worse. The IRS sends notices for a wide range of reasons, and not all of them are emergencies. But some are. The ones that require a response have deadlines that, once missed, close options that are otherwise available. Reading the notice carefully, understanding what it’s actually asking, and acting within the required window is the first and most important step in managing any IRS tax debt situation.

The steps below apply regardless of which state you’re in—IRS federal tax debt operates under uniform federal procedures nationwide. If you’re looking for jurisdiction-specific guidance, you can click here for debt relief info by a New York tax attorney as one example of how local representation applies federal tax resolution strategies to a specific market.

Read the Notice and Identify What It’s Asking

Every IRS notice includes a notice number in the upper right corner.

Identifying the notice type tells you the urgency level, the response deadline, and what the IRS is asking you to do. The notice also includes a phone number, the amount it believes is owed, and the basis for that determination.

Don’t Ignore It But Don’t Panic Either

Some notices are informational. Some require a response within 30 days. Some are early-stage balance-due notices that give you months before enforcement becomes a real possibility.

The key is knowing which type you’re dealing with rather than assuming the worst or, more dangerously, assuming it can wait. Ignoring a notice does not make the liability disappear. It triggers the next notice in the escalation sequence, which is always less favorable. Responding preserves options. Not responding eliminates them.

Verify Whether the Amount Is Actually Correct

The IRS is not infallible. CP2000 notices—which propose additional tax based on income reported by employers, banks, or investment platforms—are frequently wrong. The IRS may have received duplicate information, misapplied a payment, or failed to account for deductions the taxpayer claimed.

Before agreeing to any balance, compare the notice against your filed return and supporting records. If the IRS’s calculation appears to be based on incomplete or incorrect information, that discrepancy is the basis for a written response. Paying a balance you don’t actually owe isn’t required, and corrections can be made—but only if you respond.

Understand the Resolution Options Available to You

If the balance is correct and you can’t pay it in full, several paths are available. An installment agreement lets you pay over time; the IRS has streamlined programs for balances under $50,000 that don’t require a financial disclosure to qualify.

Each option has specific eligibility requirements, and some are mutually exclusive, so understanding which fits your situation before acting matters.

Know When to Bring in Professional Help

Simple balance-due notices with straightforward amounts can sometimes be handled directly—by setting up a payment plan through the IRS website, for example. But the moment a notice involves an audit, a proposed assessment you believe is wrong, a levy or lien, a criminal investigation indicator, or a complex determination about which resolution program applies to your situation, professional representation changes the outcome in ways that are difficult to replicate without it.

A tax attorney can respond on your behalf, protect your rights, and negotiate terms that a taxpayer working alone rarely achieves.

The Notice Is the Beginning of the Process, Not the End

An IRS tax debt notice is not a final judgment. It’s a communication that something needs to be addressed, and the earlier it gets addressed, the more options remain available. Penalties stop accruing when the debt is resolved. Appeal rights are preserved when responses are timely filed. Collection actions are avoided when the taxpayer engages before enforcement begins. The notice sitting on the counter is a solvable problem—but only if it’s acted on.

","url":"https://admin.thinksaveretire.com/what-to-do-if-you-receive-an-irs-tax-debt-notice/","uuid":"e96cf943-8183-4e47-b4d7-d9d6c38bf4f1","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"6a764c0b8478e50001eb0fec"},"allGhostAuthor":{"edges":[{"node":{"name":"Vanessa Zimin","slug":"vanessa","bio":"Vanessa Zimin writes about practical ways to earn more, build credit, and grow income outside a 9-to-5. She specializes in side hustles backed by real platform data.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/Headshot-Photo.jpg","postCount":88}},{"node":{"name":"Dmitriy Kovalenko","slug":"dmitriy","bio":null,"profile_image":null,"postCount":0}},{"node":{"name":"Tim Yelchaninov","slug":"tim","bio":"CEO at True Finance, Husband, and Father to three beautiful daughters. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2023/01/avatar.png","postCount":20}},{"node":{"name":"Robot","slug":"robot","bio":"This is a robot we use for building the front-end of the site.","profile_image":null,"postCount":0}},{"node":{"name":"Emma Bowder","slug":"emma","bio":null,"profile_image":"//www.gravatar.com/avatar/f5c1eb191f879454afa7f8c56948825c?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Arianna Izotov","slug":"arianna","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/10/DSC02362-2.jpg","postCount":1}},{"node":{"name":"Yanis Bondar","slug":"yanis","bio":null,"profile_image":null,"postCount":0}},{"node":{"name":"James Fletcher","slug":"james","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_213793387.jpeg","postCount":141}},{"node":{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","postCount":143}},{"node":{"name":"Nick Andr","slug":"nick","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2024/06/T0KN0UVN2-U045GTNAS4A-dd8b59a58b60-512.png","postCount":88}},{"node":{"name":"Grace Lemire","slug":"gracelemire","bio":"Personal Finance Content Writer, Marketer, & Content Creator 💸","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2023/03/Screen-Shot-2023-03-28-at-4.47.38-PM.png","postCount":74}},{"node":{"name":"Sean G.","slug":"sean","bio":"Sean is a writer and entrepreneur that has a passion for all things personal finance. When he's not writing about finance, you can find him at the nearest steakhouse.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/11/Screenshot_20191119-132003_Instagram-1.png","postCount":23}},{"node":{"name":"Alice Stevens","slug":"alice","bio":"Alice Stevens is an accomplished writer in the finance and insurance space. She's known for her thoughtful research and close attention to detail.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2022/05/Dec2016_StevensFamily_27-2-2.jpg","postCount":2}},{"node":{"name":"Jared Hargrove","slug":"jared","bio":"Jared is a personal finance nerd that believes in a world where the pursuit of financial independence and avocado toast can live together peacefully.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2022/02/Jared-Hargrove.png","postCount":11}},{"node":{"name":"Jesse Cramer","slug":"jesse","bio":"Jesse is the founder of The Best Interest, a financial literacy company based in Rochester, NY, where he lives with his fiancée and their foster dogs. ","profile_image":"//www.gravatar.com/avatar/e2beeec0ad132e24abcc05f69a1eb587?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Fiona Smith","slug":"fiona","bio":"Fiona Smith is the Founder of The Millenial Money Woman and holds a Master of Science degree in Personal Financial Planning. She is passionate about teaching others to take control of their money. ","profile_image":"//www.gravatar.com/avatar/7cf4a5f3c5e0afc20c07967ca8c7397b?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Kalicia Bateman","slug":"kalicia","bio":"Kalicia Bateman is a personal finance editor specializing in mortgages. She is passionate about simplifying finance and strives to combine complex information with authenticity & humor when possible.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/09/cropped-2-1.jpg","postCount":1}},{"node":{"name":"Jessica Larson","slug":"jessica-larson","bio":"Jessica is a serial entrepreneur who wants to support her family while still spending time with them, to serve as a role model for her daughters, and to share what she’s learned with others.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/08/JL.jpeg","postCount":2}},{"node":{"name":"Angelica Leicht","slug":"angelica-leicht","bio":"Angelica is a personal finance writer and editor. Her work has appeared in The Motley Fool, The Simple Dollar, Interest, Bankrate, The Spruce, Houston Press, and VeryWell.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/07/a-leicht-headshot.jpg","postCount":1}},{"node":{"name":"Arthur Goldgaber","slug":"arthur-goldgaber","bio":"I cover personal finance, industry research and corporate communications. You can find my work in Investor's Business Daily, Financial World and the Los Angeles Business Journal.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/05/Arthur.jpg","postCount":1}},{"node":{"name":"Eric Ferguson","slug":"eric","bio":"Eric runs Mindful Trader, a service that publishes stock picks and teaches the strategies behind them. He spent years doing stock market research to identify historical quantitative trading edges.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/05/eric-face-and-neck.jpg","postCount":1}},{"node":{"name":"Eric Brotman","slug":"eric-brotman","bio":"Eric D. Brotman, CFP®, AEP®, CPWA® is Chief Executive Officer of BFG Financial Advisors, an independent firm assisting clients with wealth creation, preservation, and distribution.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/02/download.jpg","postCount":1}},{"node":{"name":"Sarah Thibeau","slug":"sarah","bio":"Sarah is an avid reader, a beer nerd, and a social media guru. Sarah loves all things millennial money. She's working on nailing this \"adulting\" thing, and she's happy to have you along for the ride! ","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/11/author-1.jpg","postCount":36}},{"node":{"name":"Dakota Butler","slug":"dakota","bio":"Hi! I'm Dakota. I'm a social media & digital marketing intern by day. By night, I coach humans online in strength training. I love all things fitness, content creating, and corgis.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/Dakota_image.JPG","postCount":6}},{"node":{"name":"Melissa Goff","slug":"melissa","bio":"Melissa loves content, comedy, and all things West Coast. She is grateful to wake up every day with the chance to bring stories from unlikely sources to life and enable others to design and live the ","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/10/MelissaHollisGoff.jpg","postCount":25}},{"node":{"name":"Tristan Luciotti","slug":"tristan","bio":"Tristan is a foster dad, writer, indie filmmaker, video game creator, and digital marketing wizard. He loves hiking the Oregon coast and is ready to share his financial - and life - survival tips. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/07/TL-Headshot-1.jpg","postCount":5}},{"node":{"name":"Kiah Treece","slug":"kiah-treece","bio":"Kiah is a lawyer and sustainability expert with a passion for personal finance, real estate investing, and everything FIRE. She lives in NC where she loves to garden, paint, and cook without a recipe.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/10/Kiah-Treece-Headshot-2020.jpg","postCount":3}},{"node":{"name":"Emily Morgan","slug":"emily-morgan","bio":"Emily Morgan is passionate in helping people understand the basics of financial issues. Her goal is to highlight the pros and drawbacks, thus making it easier for the readers to make smart steps.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/emily-morgan.jpg","postCount":1}},{"node":{"name":"Valentine Wilson","slug":"valentine","bio":null,"profile_image":"//www.gravatar.com/avatar/5d817dce37691fdcc851bc61d5aba11d?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Kathryn Casna","slug":"kathryncasna","bio":"Kathryn Casna is a licensed insurance agent, life insurance specialist, and Medicare expert who writes for TermLife2Go.com.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/06/headshot_kathryn_casna.jpg","postCount":1}},{"node":{"name":"Kristian Borghesan","slug":"kristian-borghesan","bio":"Kristian is the Director of Marketing at Savology, a financial planning platform helping American households improve their financial well-being by providing access to free financial planning.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/06/Kristian-Borghesan---Headshot.png","postCount":1}},{"node":{"name":"Tina S. Rhodes","slug":"tina","bio":"Tina is a personal finance writer who is passionate about ensuring that financial literacy is accessible to anyone who is interested! In her free time, she enjoys hiking, tacos, and cats.\n","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/10/Tina-Rhodes-personal-finance-writer.jpg","postCount":26}},{"node":{"name":"Dock David Treece","slug":"dock","bio":"Dock is a former financial advisor and an experienced real estate investor who loves helping people find ways to build and conserve wealth. He has been featured by CNBC, Fox Business, and Bloomberg.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/03/dock.jpeg","postCount":27}},{"node":{"name":"Kathrine Kofoed","slug":"kathrine","bio":null,"profile_image":"//www.gravatar.com/avatar/7b994489585ee370c5d2c00991ec2776?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Arkadiy","slug":"arkadiy","bio":"Arkadiy is a master of high-level personal finance. He's founded his own companies, and he knows the ins and outs of being successful in business and in life. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/11/Screen-Shot-2019-11-19-at-4.38.13-PM.png","postCount":1}},{"node":{"name":"Jawad Khan","slug":"jawad","bio":null,"profile_image":"//www.gravatar.com/avatar/df5cba9c6760136180384cbd87d6bf80?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Marques Coleman","slug":"marques","bio":"Marques Coleman is a blog writer at Essay Assistant and specializes in marketing and copywriting. Moreover, he is an avid traveler and always tries to learn something new.","profile_image":"//www.gravatar.com/avatar/df53fd787439f31c7064c6c78664d97b?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Laura Kim","slug":"laurakim","bio":"Laura is a freelance copy and grant writer. In her mid-40s she swapped her single-with-a-career, living-in-the-city life for a married-with-three-kiddos and self-employed life in Portland, OR.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/nine.JPG","postCount":3}},{"node":{"name":"David Freudenberg","slug":"david","bio":"David Freudenberg is a real estate investor in Florida. He writes about real estate investing on his blog, We Buy Houses Florida.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/david-freudenberg-profile-picture.jpg","postCount":1}},{"node":{"name":"Lynne","slug":"lynne","bio":"Lynne is a trader in Financial markets from Mitrade. Her expertise covers a wide range of topics, including trading strategies, specific analysis, and general finance topics. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/Lynne-from-Mitrade.jpg","postCount":1}},{"node":{"name":"Marc Andre","slug":"marc","bio":null,"profile_image":"https://www.gravatar.com/avatar/85a5f01860472fd1f4aac6b85dab0d70","postCount":46}},{"node":{"name":"Matt Lurie","slug":"matt","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/03/IMG_0373.jpeg","postCount":6}},{"node":{"name":"Leo Gutierrez","slug":"leo","bio":"Old-School video games = love. Professionally, a SEO expert, and in my spare time I contribute content to tech and finance sites","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/03/leo.jpg","postCount":1}},{"node":{"name":"Darina Murashev","slug":"darina","bio":"Darina Murashev is a freelance writer from Chicago based in SLC. She writes about lifestyle, relocation, and finance. She enjoys traveling, live music, and spending time in the great outdoors.","profile_image":"//www.gravatar.com/avatar/0f12f968d3d5f1311d3d1e9cfed0b03d?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Brandyn Morelli","slug":"brandyn_morelli","bio":"Brandyn Morelli is CEO of Tilt Metrics, a B2B growth marketing agency. He is also the co-founder of HelloCecil, a video interviewing platform helping businesses make smarter hires.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/02/Onyx-Agency---portraits-30_preview.jpeg","postCount":1}},{"node":{"name":"Kristin Savage","slug":"kristin-savage","bio":"Kristin Savage nourishes, sparks and empowers using the magic of a word. Now she works as a freelance writer at and GrabMyEssay. Kristin also does editing work at BestEssayEducation.\n","profile_image":"//www.gravatar.com/avatar/4c00584b52b79dd008fc83214aaf8c12?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Steven Millstein","slug":"steven","bio":"Steven Millstein is a recognized credit expert and is the Editor in Cheif of CreditRepairExpert.org which is an online resource dedicated to all things credit. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/02/Steven-Millstein.jpg","postCount":1}},{"node":{"name":"Britt Sharman","slug":"britt","bio":null,"profile_image":"//www.gravatar.com/avatar/11b1cca4171cdece649f3c32a7fb590d?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Kevin Gardner","slug":"kevin-gardner","bio":"Kevin Gardner an MBA from UCLA. He works as a business consultant for InnovateBTS. He shares his expertise on topics from technology to finance not only with his clients but with his fellow bloggers.\n","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/02/kg.jpeg","postCount":1}},{"node":{"name":"Austin @ Minted Millennial","slug":"mintedmillennial","bio":"Austin is the owner and founder of Minted Millennial, a personal finance blog centralized around empowering and inspiring millennial's to reach their wildest financial dreams. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/IMG_1564--2--1.JPG","postCount":1}},{"node":{"name":"Susan and Boris","slug":"susan-and-boris","bio":"Boris & Susan are experienced Airbnb hosts and real estate investors hosting close to 10,000 guests per year around the country and managing their properties remotely while working full-time. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/susan-and-Boba-1.png","postCount":1}},{"node":{"name":"Sam Valentine","slug":"sam","bio":"Sam is a devoted RV traveler and a fan of trying new things. She's excited to bring you her honest reviews of all the things she loves to use in her one wild and precious life!","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/jurica-koletic-CfUyeAZOWIw-unsplash-1.jpg","postCount":1}},{"node":{"name":"Jacqueline B. Storey","slug":"jacqueline","bio":"A writer untethered. Think Save Retire's resident pen name. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/12/IMG_7577.jpeg","postCount":3}},{"node":{"name":"Frank Stovall","slug":"frank","bio":"Frank is an avid traveler, rock climber, and adventurer. As the PR manager for Fly Xo, where one can book a flight on private jets in an instant, he is able to travel far and wide.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/12/frank-stovall.jpg","postCount":1}},{"node":{"name":"Morgen Henderson","slug":"morgen","bio":"Morgen is a writer from the beautiful mountains of Utah. She loves writing about personal experiences and when she's not at her computer, you can find her hiking near her home and traveling the globe.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/12/profilepic.PNG","postCount":1}},{"node":{"name":"Jenny Smith","slug":"jenny","bio":"Originally from the UK, Jenny traveled extensively abroad before settling down in New Zealand. Over the years she's learned all about achieving financial independence while living a nomadic lifestyle.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/Screen-Shot-2020-01-06-at-2.15.22-PM.png","postCount":1}},{"node":{"name":"Ana-Maria Sanders","slug":"ana","bio":"Ana-Maria is a content writer and marketing manager at Loanstart. In her current role she is responsible for managing the finance and operations of securities. On top of that, Ana-Maria loves writing","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/11/Ana-Maria-Sanders.png","postCount":1}},{"node":{"name":"Andrew Herrig","slug":"andrew","bio":"Andrew is a personal finance aficionado who helps others take control of their finances and learn to build generational wealth at his blog, Enoch Omololu is a veterinarian by day and a personal finance blogger by night at ","profile_image":"https://www.gravatar.com/avatar/7cc6fb3125907e40a7376d6d3b4043fa","postCount":2}},{"node":{"name":"Fay Shaw","slug":"fay","bio":"Fay is a postdoctoral research associate at the Tufts Center for Engineering Education and Outreach and is serving as Principal Investigator for an NSF SBIR grant","profile_image":"https://www.gravatar.com/avatar/bea7c09b9bf5465e25aaa0113b55f172","postCount":1}},{"node":{"name":"Financial Wolves","slug":"financial","bio":"Financial Wolves is a blog focused on helping you make more money to achieve financial freedom.","profile_image":"https://www.gravatar.com/avatar/bf268aeeb64d52079bc47b63a15ce439","postCount":1}},{"node":{"name":"Fred @ Money With A Purpose","slug":"fred","bio":null,"profile_image":"https://www.gravatar.com/avatar/d1571b6a2656ffdf77c9ff0f725963ce","postCount":1}},{"node":{"name":"G. Brian Davis","slug":"g","bio":"G. Brian Davis is a real estate investor and co-founder of SparkRental.com, which provides education and free landlord resources.","profile_image":"https://www.gravatar.com/avatar/022d6a7787b01e3b267c66482d107651","postCount":1}},{"node":{"name":"Grant Sabatier","slug":"grant","bio":null,"profile_image":"https://www.gravatar.com/avatar/a018173d1cb4152aea470ac89f8954e8","postCount":1}},{"node":{"name":"Ingrid","slug":"ingrid","bio":null,"profile_image":"http://thinksaveretire.com/wp-content/uploads/2019/07/ingrid.jpeg","postCount":1}},{"node":{"name":"Jack Duke","slug":"jack","bio":null,"profile_image":"https://www.gravatar.com/avatar/ef63e7e0300dedb6e40fa4725c963528","postCount":1}},{"node":{"name":"Jeff","slug":"jeff","bio":"Dr. Jeff uses his personal six-figure debt experience he had to inspire other doctor and high-income professionals. ","profile_image":"http://thinksaveretire.com/wp-content/uploads/2019/06/Fincon18_Headshots_Day-2-1207.jpg","postCount":1}},{"node":{"name":"Jessica @ The Financial Graduate","slug":"jessica","bio":null,"profile_image":"https://www.gravatar.com/avatar/aa93cf6c9b9fea81af5298f3546fae7e","postCount":2}},{"node":{"name":"John @ How To FIRE","slug":"john","bio":"John and his wife run where they work to educate others, provide valuable resources and share our own journey towards FIRE. ","profile_image":"https://www.gravatar.com/avatar/4e35fa9597e0ccbf2679000ab78dfd38","postCount":1}},{"node":{"name":"Julie @ Millennial Boss","slug":"julie","bio":"Julie, or J, is a 30-year-old tech professional who lives in Seattle, WA with her husband and dog. She loves anything outdoors, side hustling, and talking FIRE.","profile_image":"https://www.gravatar.com/avatar/c8989f9f1a8861e5f7607463f47f10bf","postCount":1}},{"node":{"name":"Justin Song","slug":"justin","bio":"Justin Song is a Product Manager at Value Penguin.","profile_image":"https://www.gravatar.com/avatar/9025b2248cc61c9238c5bb3ba2d29b24","postCount":1}},{"node":{"name":"Kara | The Flawed Consumer","slug":"kara","bio":null,"profile_image":"https://www.gravatar.com/avatar/c7db014e4ff8e4f1e8de8d04b00f579d","postCount":1}},{"node":{"name":"Kevin @ Just Start Investing","slug":"kevin","bio":null,"profile_image":"https://www.gravatar.com/avatar/b4348a5e29e4ed43779ead7e60cc3082","postCount":1}},{"node":{"name":"Kristin Hanes","slug":"kristin","bio":"Kristin Hanes is a journalist and writer who lives on a sailboat in San Francisco.","profile_image":"https://www.gravatar.com/avatar/deca7480c9be4a5d68bd740c45dff3e4","postCount":1}},{"node":{"name":"Kyle @ Millionaire Mob","slug":"kyle","bio":null,"profile_image":"https://www.gravatar.com/avatar/0f1908588689046da825586bf74a688a","postCount":1}},{"node":{"name":"Lily","slug":"lily","bio":null,"profile_image":"https://www.gravatar.com/avatar/84c85e1ef17df319bd0f1c2dbf4cf7dc","postCount":1}},{"node":{"name":"M @ Radical Fire","slug":"m","bio":"I’m M @ Radical FIRE, a 24-year-old financial consultant that is passionate about the Financial Independence and Retire Early (FI/RE) movement. ","profile_image":"https://www.gravatar.com/avatar/afec7e1b18aa548daf8c8c9c9b99237d","postCount":1}},{"node":{"name":"Michael @ Your Money Geek","slug":"michael-your-money-geek","bio":"Michael blogs at Your Money Geek where he shares his experience, unique insights, and profiles inspirational FIRE folk.","profile_image":"https://www.gravatar.com/avatar/4bf8c1b1345c2069bcf816112b60dd38","postCount":3}},{"node":{"name":"Michael Monfredi","slug":"michael","bio":null,"profile_image":"https://www.gravatar.com/avatar/5f452887b6787a4d8b3751794fe5697a","postCount":1}},{"node":{"name":"Michael Perrone","slug":"michael-perrone","bio":null,"profile_image":"https://www.gravatar.com/avatar/96c7eff358b2b7d4b7ee29a92043d9dd","postCount":1}},{"node":{"name":"Miguel","slug":"miguel","bio":null,"profile_image":"https://www.gravatar.com/avatar/2b4405ea9cd88c5968b4d6753d6f8b33","postCount":1}},{"node":{"name":"Molly Barnes","slug":"molly","bio":"Molly Barnes is a full-time digital nomad, exploring and working remotely in different cities in the US. ","profile_image":"https://www.gravatar.com/avatar/d701f5731964a046c16ed988544946b8","postCount":1}},{"node":{"name":"Patricia Russell","slug":"patricia","bio":null,"profile_image":"https://www.gravatar.com/avatar/ad25eb2d8263de811bb45446dd22b3fd","postCount":1}},{"node":{"name":"Penny @ ShePicksUpPennies.com","slug":"penny","bio":"Penny is an educator in her early thirties who lives in the ‘burbs of a big Midwestern city with my husband and baby and writes on her blog at shepicksuppennies.com","profile_image":"https://www.gravatar.com/avatar/582bd3655c2c7d1cac09c59fc9b375de","postCount":1}},{"node":{"name":"Peter @ Counting Every Dollar","slug":"peter","bio":"Peter writes about achieving financial independence through career-hacking, online side-hustles, and super-saving. ","profile_image":"https://www.gravatar.com/avatar/3aba5fecb7116db4f209469ada140f24","postCount":1}},{"node":{"name":"PK","slug":"pk","bio":"PK is nearing FI and is currently working as a software guy in IT. During his career he has held operational and management roles in addition to his preferred role of writing software. He is currentl","profile_image":"https://www.gravatar.com/avatar/8996cf15108de330807f18f0ac19b8a9","postCount":1}},{"node":{"name":"Poor Swiss","slug":"poor","bio":"Mr. The Poor Swiss is the main author behind thepoorswiss.com. In 2017, he realized that he was spending more and more every year, falling into the trap of lifestyle inflation. ","profile_image":"https://www.gravatar.com/avatar/2a33c174894add22e71196cf452c420c","postCount":1}},{"node":{"name":"Shelly Strom","slug":"shelly","bio":"Shelly is a writer based in Washington. Since coming out of early retirement from being a volunteer wildlife refuge caretaker in her early 20's, Shelly has written for newspapers, worked in corporate","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/10/Portrait_resume.png","postCount":4}},{"node":{"name":"Steve Adcock","slug":"steve","bio":"Steves a 38-year-old early retiree who writes about the intersection of happiness and financial independence.","profile_image":"https://www.gravatar.com/avatar/ae0b2f8d459bad06e6d287fa4a74b1ea","postCount":773}},{"node":{"name":"Terry","slug":"terry","bio":null,"profile_image":"https://www.gravatar.com/avatar/69af05806cf63a5499d0f0970f318e1b","postCount":1}},{"node":{"name":"Think Save Retire","slug":"think","bio":null,"profile_image":"https://www.gravatar.com/avatar/4ea272b42b0fdeaba24213d79cea10a5","postCount":22}},{"node":{"name":"Thomas Minter","slug":"thomas","bio":null,"profile_image":"https://www.gravatar.com/avatar/59b38630fd6fa557f4169e26ae4076f6","postCount":1}},{"node":{"name":"Whitney Nicely","slug":"whitney","bio":null,"profile_image":"https://www.gravatar.com/avatar/3561d1597d9d88b9183c9fa79729e544","postCount":1}}]},"allAuthorsBioFullJson":{"edges":[{"node":{"bio":"Steve is a 38-year-old early retiree who writes about the intersection of happiness and financial independence. Steve is a regular contributor to MarketWatch, CNBC, and The Ladders. He lives full-time in his 30' Airstream Classic and travels the country with his wife Courtney and two rescued dogs.","slug":"steve"}},{"node":{"bio":"","slug":"courtney"}},{"node":{"bio":"PK is nearing FI and is currently working as a software guy in IT. During his career he has held operational and management roles in addition to his preferred role of writing software. He is currently contemplating the start of his own blog.","slug":"pk"}},{"node":{"bio":"Fay is a postdoctoral research associate at the Tufts Center for Engineering Education and Outreach and is serving as Principal Investigator for an NSF SBIR grant developing an Internet of Things STEM product for girls (1746640). She also runs the site Bitwise E-Textiles.","slug":"fay"}},{"node":{"bio":"","slug":"chris"}},{"node":{"bio":"G. Brian Davis is a real estate investor and co-founder of SparkRental.com, which provides education and free tools for landlords and rental investors. Their services include automated rent collection (with an option to deduct rent from the tenant’s paycheck), lease agreements, tenant screening and more. If you’re interested in getting started with rental properties, start with their free mini-course on buying small multifamily rental properties.","slug":"g"}},{"node":{"bio":"","slug":"boisy"}},{"node":{"bio":"","slug":"lily"}},{"node":{"bio":"Kristin Hanes is a journalist and writer who lives on a sailboat in San Francisco. Her blog, The Wayward Home, explores van life, RVing, tiny homes and sailboat living. She hopes to inspire others to live tiny and lead a life of adventure.","slug":"kristin"}},{"node":{"bio":"Bob Clyatt is the author of Work Less, Live More: The New Way to Retire Early, which has sold over 40,000 copies.  After founding two startups which were sold to public companies he retired in 2001 at age 42 to pursue his artistic interests.  Bob’s sculptures will be exhibited during the 2019 Venice Biennale in the pavilion of the European Cultural Center. ","slug":"bob"}},{"node":{"bio":"","slug":"grant"}},{"node":{"bio":"","slug":"kara"}},{"node":{"bio":"","slug":"brenda"}},{"node":{"bio":"","slug":"thomas"}},{"node":{"bio":"","slug":"michael"}},{"node":{"bio":"","slug":"jessica"}},{"node":{"bio":"","slug":"miguel"}},{"node":{"bio":"","slug":"chris-duke"}},{"node":{"bio":"","slug":"jack"}},{"node":{"bio":"Michael blogs at Your Money Geek where he shares his experience, unique insights, and profiles inspirational success stories. When he is not writing about personal finance Michael can be found enjoying a sci-fi book.","slug":"michael-your-money-geek"}},{"node":{"bio":"","slug":"marc"}},{"node":{"bio":"","slug":"cody"}},{"node":{"bio":"Cindy quit her 9-5 job to start living life on her own terms. Her blog, Making Coins Count, empowers others to save, invest and grow their net worth using the same simple strategies that have allowed her to travel the world full-time and become financially independent.","slug":"cindy"}},{"node":{"bio":"","slug":"kyle"}},{"node":{"bio":"","slug":"kevin"}},{"node":{"bio":"I’m M @ Radical FIRE, a 24-year-old financial consultant that is passionate about the Financial Independence and Retire Early (FI/RE) movement. I want to empower YOU to be Financially Independent, if you want it you can achieve it! I am taking you on my journey to be Financially Independent by 35, let’s do it!","slug":"m"}},{"node":{"bio":"","slug":"whitney"}},{"node":{"bio":"","slug":"michael-perrone"}},{"node":{"bio":"","slug":"fred"}},{"node":{"bio":"Penny is an educator in her early thirties who lives in the ‘burbs of a big Midwestern city with my husband and baby and writes on her blog at She Picks Up Pennies. In three years, they paid down over $85,000 worth of debt on two teachers’ salaries, thanks to some serious savings and extra side hustling.","slug":"penny"}},{"node":{"bio":"","slug":"danielle"}},{"node":{"bio":"","slug":"nathan"}},{"node":{"bio":"Cameron Huddleston is an award-winning financial journalist with more than 17 years of experience writing about personal finance. She also is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. ","slug":"cameron"}},{"node":{"bio":"","slug":"robin"}},{"node":{"bio":"Julie, or “J”, is a 30-year-old tech professional who lives in Seattle, WA with her husband and dog. She loves anything outdoors, side hustling, and talking to interesting people on the path to financial independence on her podcast, Fire Drill. She is the creator of the Side Course where she teaches people how to build passive income streams with Etsy printables, blogging, and freelancing.","slug":"julie"}},{"node":{"bio":"Dr. Jeff uses his personal six-figure debt experience he had to inspire other doctor and high-income professionals. He focuses on debt-free living and financial freedom at Debt Free Dr.","slug":"jeff"}},{"node":{"bio":"Mr. The Poor Swiss is the main author behind thepoorswiss.com. In 2017, he realized that he was spending more and more every year, falling into the trap of lifestyle inflation. He decided to cut on his expenses and increase his income. This blog is relating his story and findings. In 2018, he saved more than 40% of his income. He made it a goal to reach Financial Independence. You can send Mr. The Poor Swiss a message here.","slug":"poor"}},{"node":{"bio":"","slug":"patricia"}},{"node":{"bio":"Molly Barnes is a full-time digital nomad, exploring and working remotely in different cities in the US. She and her boyfriend Jacob created the website Digital Nomad Life to share their journey and help others to pursue a nomadic lifestyle.","slug":"molly"}},{"node":{"bio":"John and his wife run How To FIRE where they work to educate others, provide valuable resources and share our own journey towards FIRE. Their mission is to pursue passions outside of a 9-to-5 and without a worry about money!","slug":"john"}},{"node":{"bio":"Peter writes about achieving financial independence through career-hacking, online side-hustles, and super-saving. In the last 2 years using these techniques, the Counting Every Dollar family has doubled their income, increased net worth by over $200,000 and reached an 85% savings rate!","slug":"peter"}},{"node":{"bio":"Ingrid took early retirement from software engineering at 43 to pursue her passions for language learning and travel. Her goal is to learn a new language to fluency every two years. Currently, she speaks English, German, and Spanish, and is learning Portuguese. \r\n\r\nFind out more at her blog Second-Half Travels, or follow along on Facebook.","slug":"ingrid"}},{"node":{"bio":"Chris is a financial blogger who loves to be transparent about money-related issues. He’s paid off massive amounts of credit card debt and is the blog author of Money Stir. His main focus on Money Stir is talking about how money relates to our relationships, personal development, and how to plan for the future we want. He’s been quoted on Market Watch, The Ladders, and other publications.","slug":"chris-roane-money-stir"}},{"node":{"bio":"Enoch Omololu is a veterinarian by day and a personal finance blogger by night at Savvy New Canadians. He has a master’s degree in finance and investment management and his writing has been featured in the Toronto Star, Financial Post, MSN Money, Nest Wealth, The Motley Fool, Rockstar Finance and many other personal finance publications.","slug":"enoch"}},{"node":{"bio":"Justin Song is a Product Manager at ValuePenguin, a consumer research site, covering the small business and loans vertical. Before joining ValuePenguin he was a Senior Consultant at IBM. Justin graduated from New York University with a B.A. in Economics—in his free time he loves using credit card rewards to travel.","slug":"justin"}},{"node":{"bio":"Andrew is a personal finance aficionado who helps others take control of their finances and learn to build generational wealth at his blog, Wealthy Nickel. With a Bachelors degree in Engineering and a Masters in Economics, he is a numbers geek through and through. Andrew has a unique story of building wealth outside his day job through real estate investing, and teaches others to do the same. Andrew’s real estate background, along with growing up enjoying the benefits of his family’s timeshare, gives him a balanced view of the industry to help others make the best decision with their own timeshare.","slug":"andrew"}},{"node":{"bio":"Financial Wolves is a blog focused on helping you make more money to achieve financial freedom. After repaying student loans, I’ve shifted my focus to make more money from side hustles, real estate, freelancing and the online economy. Follow us on Twitter and Facebook. ","slug":"financial"}},{"node":{"bio":"Drew writes about maximizing career success, especially for introverts, on FI Introvert. He believes that we can realize at least 80% of the benefits of early retirement by working in HIFI positions – high income, high freedom, and high impact. Through brute force savings and a strong stock market, he and his wife have amassed nearly $1M in invested assets in four years. More importantly, he has a job he loves that allows him to work from home, direct 80% of his time, and see his son during the day.","slug":"drew"}},{"node":{"bio":"","slug":"lana"}},{"node":{"bio":"","slug":"adthrive"}},{"node":{"bio":"Melissa loves content, comedy, and all things West Coast. She is grateful to wake up every day with the chance to bring stories from unlikely sources to life and enable others to design and live the life of their dreams. She is an aspiring #RichGrandma but until then she's happy living in the Pacific Northwest with her husband and rescue cat.","slug":"melissa"}},{"node":{"bio":"Shelly is a writer based in Washington. Since coming out of early retirement from being a volunteer wildlife refuge caretaker in her early 20's, Shelly has written for newspapers, worked in corporate comms and served as comms director for political campaigns. With AI taking over, now seems like the perfect time to bring her writing skills to the FIRE movement.","slug":"shelly"}},{"node":{"bio":"","slug":"think"}},{"node":{"bio":"","slug":"paul"}}]}},"pageContext":{"slug":"what-to-do-if-you-receive-an-irs-tax-debt-notice"}}}