Dealing with the IRS is stressful. You don’t have to do it alone.

If you owe back taxes, haven’t filed in years, or have received a notice, levy, or wage garnishment from the IRS, AGS Finance can represent you directly before the IRS and work toward a resolution. As an Enrolled Agent, Zora Santelices holds the most expansive license the IRS grants — the same right to represent taxpayers as an attorney or CPA, earned by passing the IRS’s three-part Special Enrollment Examination.

Back Taxes & Non-Filed Returns

Missed a filing deadline, or several? The longer unfiled returns sit, the more penalties and interest accrue — and the IRS can eventually file a substitute return on your behalf that rarely works in your favor. We’ll help you get caught up, file what’s missing, and put a stop to the problem compounding.

IRS Levies, Liens & Wage Garnishment

A levy or wage garnishment can freeze your bank account or take a direct cut of every paycheck. We can contact the IRS on your behalf, request a release or modification, and negotiate a path forward so you can get back to running your life and your business.

IRS Payment Plans & Offers in Compromise

Owing more than you can pay in full doesn’t mean you’re out of options. Depending on your situation, an installment agreement can spread payments over time, or an Offer in Compromise may let you settle your tax debt for less than the full amount owed. We’ll assess which programs you qualify for and handle the paperwork and negotiation with the IRS.

Penalty Abatement

Penalties for late filing or late payment can add up fast. If you have reasonable cause — illness, a natural disaster, or another qualifying hardship — or a clean compliance history, you may qualify to have some or all penalties reduced or removed.

IRS Audit Representation

Received an audit notice? You don’t have to face the IRS across the table yourself. We can represent you throughout the audit process — communicating with the IRS, preparing documentation, and working toward the best possible outcome.

Bankruptcy & Tax Debt

If bankruptcy is part of your path forward, we work alongside your bankruptcy attorney to sort out the tax side — which tax debts may be dischargeable, what returns need to be current first, and how to keep the IRS portion of your case on track.

  • Back Taxes Owed
  • Non-Filed Tax Returns
  • IRS Levies & Liens
  • IRS Wage Garnishment
  • IRS Seizures
  • IRS Payment Plans
  • Offers in Compromise
  • Penalty Abatement
  • Audit Representation

Every situation is different, and the sooner we start, the more options are usually on the table. Call us at (954) 667-3520 or reach out online to talk through what you’re facing — there’s no charge for the first conversation.