What this letter means
A CP523 means you’ve defaulted on your IRS payment plan. In plain words, the IRS says you broke one of the plan’s rules. They plan to end the plan and start collecting.
Collecting can mean filing a lien, which is a public claim on your property. It can also mean taking money from your paycheck or bank account.
The letter gives the date the plan will end. You can stop that by fixing the problem before that date.
How urgent is it?
Very. Contact the IRS within 30 days of the date on the letter. If you don’t, the IRS will end the plan and start collecting.
If you talk to the IRS and still disagree with ending the plan, you have the right to appeal. That appeal goes to a separate IRS office. Follow the steps on the letter.
What we do
We find out what went wrong. We pull your IRS records and find the exact reason for the default. Don’t assume the amount is right, especially if a new balance was added.
We act fast to save the plan. Often that means catching up, filing a missing return, or setting up a new plan that fits your life now.
We fight for a plan you can keep. If your old payment no longer fits, we push for one built on your real numbers. And if paying isn’t possible right now, we look at a pause in collection.