IRS Tax Offset: Contact Numbers & Help

Bill Taylor

-Nov 15, 2025

Are you dealing with an IRS tax offset and need to find the right phone number for assistance? This comprehensive guide provides you with the essential contact information and helpful insights to navigate the process effectively. Whether you're seeking to understand what a tax offset is, how it affects you, or how to resolve it, this article offers clear, actionable steps. We will delve into various scenarios, from how to find the right IRS phone number to what to expect when you call and how to prepare.

What is an IRS Tax Offset?

The IRS tax offset program allows the government to collect overdue debts from your federal tax refund. These debts can include past-due child support, federal student loans, or other federal or state debts. The Treasury Offset Program (TOP) manages this process. If you owe money to a federal or state agency, your tax refund may be reduced (offset) to pay that debt.

How Does an IRS Tax Offset Work?

When you file your tax return, the IRS checks if you owe any outstanding debts to federal or state agencies. If a debt is found, the IRS sends the information to the Treasury Offset Program. TOP then offsets your refund to pay the debt. You'll receive a notice detailing the offset, the amount, and the agency receiving the funds. — Arthroscopic Knee Surgery: Success Rates & What To Expect

Types of Debts Subject to Offset

Delinquent Child Support: Overdue child support payments are a common reason for tax offsets.
Federal Student Loans: Defaulted federal student loans are also subject to offset.
Other Federal Debts: This can include debts owed to other federal agencies.
State Debts: Some state debts, such as unpaid state taxes, may also be offset.

IRS Phone Number for Tax Offset Inquiries

Finding the right IRS phone number to address your tax offset concerns is crucial. The IRS does not have a dedicated phone number specifically for tax offsets. However, you can contact the IRS using the numbers below to inquire about your tax return and related offsets. — What Time Is 1 PM Eastern Time?

IRS Taxpayer Assistance: 1-800-829-1040. This number is the main line for individual taxpayer inquiries.
IRS Business Tax Line: 1-800-829-4933. Use this number for business tax-related questions, which can sometimes include offset-related matters if the debt involves a business.

Tips for Calling the IRS

Have Your Information Ready: Gather your Social Security number, tax returns, and any notices you've received from the IRS or the agency to which you owe the debt.
Call During Off-Peak Hours: Try calling early in the morning or later in the afternoon to avoid long wait times.
Be Patient: Wait times can be long, so be prepared to be patient. Have something to do while you wait.
Keep a Record: Note the date, time, and the name of the IRS representative you speak with, as well as any information discussed.

Understanding the IRS Offset Notice

If your refund is offset, you will receive a notice from the Bureau of the Fiscal Service (BFS). The notice, CP49, includes the following information:

Amount of Offset: The amount taken from your refund.
Debt Information: The agency to which the debt is owed, the amount, and the date of the debt.
Contact Information: Contact details for the agency you should contact to dispute the debt.

What to Do if You Receive an Offset Notice

Review the Notice: Carefully examine the notice for accuracy. Verify the debt amount and the agency to which the debt is owed.
Contact the Agency: If you disagree with the offset or have questions about the debt, contact the agency listed on the notice. The IRS cannot resolve disputes regarding the underlying debt.
Provide Documentation: If you believe the debt is incorrect, gather any supporting documentation, such as payment records or proof of the original agreement, to support your claim.
Seek Professional Help: If the situation is complex or you are unsure how to proceed, consider consulting a tax professional or a legal expert.

How to Dispute an IRS Tax Offset

Disputing a tax offset involves contacting the agency to which you owe the debt, not the IRS. The IRS only facilitates the offset process; they do not determine the validity of the debt.

Steps to Dispute a Tax Offset

Identify the Agency: Determine which agency is claiming the debt from the offset notice.
Contact the Agency: Reach out to the agency directly using the contact information provided on the notice.
Gather Documentation: Prepare any evidence that supports your claim, such as proof of payments or other relevant documents.
Submit Your Dispute: Follow the agency's instructions for submitting a dispute. This often involves sending a written request with supporting documentation.
Follow Up: Keep records of your communication with the agency and follow up if you don't receive a timely response.

Alternatives to IRS Tax Offset

While the IRS tax offset process can be stressful, there are options for managing your tax situation and debts.

Payment Plans

IRS Payment Plan: If you owe taxes to the IRS, you may be able to set up an installment agreement to pay off the debt over time. Visit the IRS website or call the IRS to discuss this option.
Agency Payment Plans: Explore payment plans with the agency to which you owe the debt. Many agencies offer flexible payment options.

Offer in Compromise (OIC)

An Offer in Compromise (OIC) allows you to settle your tax debt for a lower amount than what you originally owe. However, it's not available for all cases. The IRS considers your ability to pay, income, expenses, and asset equity when determining whether to accept an OIC.

Seeking Professional Assistance

Tax Professionals: Consider hiring a tax professional (such as a CPA or Enrolled Agent) to help you navigate the process, especially if your tax situation is complex.
Legal Counsel: If you are facing significant debt or have complex legal issues, consult an attorney specializing in tax law.

Frequently Asked Questions About IRS Tax Offsets

What triggers an IRS tax offset? An IRS tax offset is triggered when you owe a past-due debt to a federal or state agency. Common debts include federal student loans and child support.
How will I know if my refund has been offset? You will receive a notice (CP49) from the Bureau of the Fiscal Service detailing the amount of the offset, the agency receiving the funds, and contact information for the agency.
Can I dispute an IRS tax offset? Yes, but you must dispute the underlying debt with the agency to which you owe the money, not the IRS.
How long does it take to receive an IRS tax offset notice? You should receive the notice within a few weeks after your refund is offset. The timing can vary based on mailing and processing times.
What if I don't agree with the debt? You should contact the agency listed on the offset notice to dispute the debt. The IRS does not handle disputes regarding the underlying debt.
Can I get my refund back if I pay off the debt? If you pay off the debt and the offset has already occurred, you won't get your refund back. If you pay off the debt before the offset, your refund won't be offset. — Senate Republicans & Government Shutdown: Explained
What if I filed an injured spouse claim? If you filed an injured spouse claim (Form 8379), you may receive your portion of the refund even if your spouse has a debt that would typically result in an offset.

Conclusion

Understanding the IRS tax offset process and knowing how to find the right IRS phone number are crucial for resolving any issues with your tax refund. By following the steps outlined in this guide and taking proactive measures, you can manage your debts effectively and minimize the impact on your finances. Always remember to keep detailed records and seek professional help if needed. Take action today by reviewing any notices, contacting the appropriate agencies, and exploring available options such as payment plans or offers in compromise to protect your financial interests.