IRS Tax Debt

Putting Your Finances Back in Order

There are few institutions that Americans fear more than the IRS. Unfortunately, that fear often causes people to avoid their tax problems, which only makes the situation worse.

If you have IRS tax debt that you cannot repay, speak with a lawyer at The Law Offices of Chad M. Hayward, P.C. As an experienced debt relief law firm, we can examine your finances and your tax debt to determine whether bankruptcy will be beneficial for you. We understand the complexities of IRS tax law and will clearly explain your options to you. To schedule a free consultation with a Chicago IRS tax debt attorney, please call 312-867-3640 or contact us online.

How Bankruptcy May Discharge or Reorganize IRS Debt

Federal law allows you to discharge IRS tax debts that meet certain criteria:

More than three years old

Assessed more than 240 days prior to filing bankruptcy

You are not permitted to discharge unfiled tax obligations or tax debts that are connected to tax fraud. Any federal tax liens attached to your assets may not be dischargeable as well.

If your tax debt meets the discharge criteria, you may be able to file Chapter 7 bankruptcy. Under Chapter 7, the debt will be eliminated and you will not have to repay it. If your income exceeds the limit for Chapter 7, you may be able to file Chapter 13. In Chapter 13 bankruptcy, your debts will be consolidated into a repayment plan of three to five years. During this time, your monthly payments will be lowered so you can afford to make them.

Illinois Tax Debt Lawyers

Reach us to schedule an appointment at any one of our local community offices by calling 312-967-3159.

Se habla español.

Convenient Locations

In order to provide convenience for clients throughout Chicago and Northern Illinois, we have offices in the following locations: 

Chicago • Schaumburg  • Oakbrook • St. Charles • Naperville • And More


We have office locations throughout the Chicago Area:

Chicago (Downtown)


Oak Brook


All calls are routed through our Downtown office for your convenience.

Phone: 312-967-3159

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