Does anyone have experience settling with the IRS to pay off a debt?

The initial debt was $37k from the 2019 tax year. I made a large payment and have been on a monthly payment plan for almost three years. I currently owe $19k. I have filed on time every year. Are there any programs or something that I can say when I call the IRS to try to settle the debt for a lower amount? What's a reasonable amount to offer to settle?

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I would consult with a tax accountant or lawyer about this. There are unscrupulous businesses out there that claim they can “settle” tax debts for less than what’s owed, but they are scams.

I believe the interest rate is just 6% for tax debts. I would just keep it on a payment plan and pay it off. Your annual personal tax returns will be applied to this debt, so that will help you pay off the debt sooner.

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Thank you. I see so many ads for tax settlement services especially the ones ran by accountants, I wasn’t sure if they’d real or scams

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