I got a letter or notice from the IRS or my state

What does your letter say in the corner?

The code is in the right corner of the first page: letters and numbers like CP14, CP2000, or LT11. Pick it or type it. Nothing you type here leaves your device.

• CP14 Balance due

  The IRS says you owe tax on a return and this is the first bill. It shows the amount, the due date, and how to pay or set up a payment plan.

  Respond by

  By the due date printed on the notice.

  Tonight

  Don't let the due date pass without paying or calling. Interest and a late payment penalty start after it.

  With us

  Bring the notice to the call. A first bill is often simpler than it feels, and the Roadmap shows whether the amount is even right.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP14 (opens in a new tab), read October 7, 2026.

• CP501 Reminder of a balance due

  A reminder that a balance is still unpaid and the IRS has not heard back on an earlier notice. You can pay, set up a payment plan, or call the number on the notice if you disagree.

  Respond by

  By the due date printed on the notice.

  Tonight

  Don't set it aside. The IRS can file a Notice of Federal Tax Lien, and interest and penalties keep building.

  Your rights

  You may ask for an appeal under the Collection Appeals Program before collection action, by following the instructions on the notice.

  With us

  Still early in the sequence. The Roadmap reads your whole account before anyone commits to a payment plan the numbers may not support.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP501 (opens in a new tab), read October 7, 2026.

• CP503 Second reminder of a balance due

  The IRS still has not heard from you about an unpaid balance. Pay it, set up a payment plan, or call the number on the notice if you disagree.

  Respond by

  By the due date printed on the notice.

  Tonight

  Don't hold out for the next letter. The IRS may file a Notice of Federal Tax Lien if it hasn't already.

  Your rights

  You may ask for an appeal under the Collection Appeals Program before collection action, by following the instructions on the notice.

  With us

  The next notice in this sequence is the one that threatens a levy. Starting before it arrives keeps every route open.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP503 (opens in a new tab), read October 7, 2026.

• CP504 Final reminder and notice of intent to levy

  The IRS is warning that it can take (levy) your state tax refund and start looking at other assets, such as wages and bank accounts, for an unpaid balance. Paying, setting up a payment plan, or calling if you disagree can stop that.

  Respond by

  Immediately; the IRS gives no number of days here.

  Tonight

  Don't ignore it. Beyond the state refund, the IRS may file a lien, and a seriously delinquent balance can block a passport.

  Your rights

  You may ask for an appeal under the Collection Appeals Program; the IRS says a further notice, with a right to a hearing before its Independent Office of Appeals, comes before any levy beyond a state refund.

  With us

  Tell Karigan the date on it when she calls. This is where the urgency fee can apply, and it is on the proposal before you sign.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP504 (opens in a new tab), read October 7, 2026.

• LT11 Notice of intent to levy and your right to a hearing

  The IRS intends to take (levy) wages, bank accounts, or other property for overdue taxes, and this letter carries your right to a hearing before it does. You can pay, set up a payment plan, or request a Collection Due Process hearing with Form 12153.

  Respond by

  Contact the IRS immediately. The letter gives you 30 days to request the hearing; count from the date printed on it.

  Tonight

  Don't let the 30 days pass. The hearing this letter offers has to be asked for inside them.

  Your rights

  You can request a Collection Due Process hearing with Form 12153 to appeal the proposed levy.

  With us

  Tell Karigan the date on the letter; the 30 days count from it. The urgency fee can apply, and it is on the proposal before you sign. The hearing request is the first thing James looks at.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, LT11 (opens in a new tab), read October 7, 2026.

• CP90 Intent to levy and your right to a Collection Due Process hearing

  The IRS intends to take (levy) certain assets for unpaid taxes and is telling you about your right to a Collection Due Process hearing. You can pay, request a payment plan, or request the hearing with Form 12153.

  Respond by

  Check the date on the notice; the IRS page states no number of days.

  Tonight

  Don't set it aside. The IRS intends to levy, and a seriously delinquent balance can affect your passport.

  Your rights

  You have the right to a Collection Due Process hearing, requested with Form 12153, where the intent to levy and other issues can be raised.

  With us

  Same footing as LT11: tell Karigan the date, and the hearing request comes first.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP90 (opens in a new tab), read October 7, 2026.

• CP297 Intent to levy and your right to a Collection Due Process hearing (business)

  The IRS intends to take (levy) certain assets for unpaid taxes and you have the right to a Collection Due Process hearing. Pay, request a payment plan, or request the hearing with Form 12153 if you disagree.

  Respond by

  Check the date on the notice; the IRS page states no number of days.

  Tonight

  Don't ignore it. The IRS intends to levy, and the hearing right expires.

  Your rights

  You can appeal the intent to levy at a Collection Due Process hearing, requested with Form 12153.

  With us

  Business accounts have two sets of rules. Bring every notice you have to the call, not only this one.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP297 (opens in a new tab), read October 7, 2026.

• CP71 Annual reminder of an unpaid balance

  A yearly reminder that a balance is still owed. You can pay in full, pay what you can and request a payment plan, or ask about a temporary delay in collection or an offer in compromise if you are in hardship. The CP71C version adds a warning that a seriously delinquent balance can affect your passport.

  Respond by

  No deadline stated; the IRS asks for your immediate attention.

  Tonight

  Don't treat it as routine mail. Interest and penalties keep building, and future refunds can be taken for the balance.

  Your rights

  The CP71C version notes that collection actions are subject to any Collection Due Process rights you have.

  With us

  A good moment to find out which routes your numbers support instead of guessing. That is what the Roadmap is for.

  On the signup form, answer “I owe taxes I haven't been able to pay.” Read that path.

  Source: IRS.gov, CP71 (opens in a new tab), read October 7, 2026.

• CP523 Intent to end your installment agreement and levy

  You have missed the terms of an installment agreement, and the IRS intends to end it and take (levy) assets. Making the payment before the termination date and contacting the IRS about reinstating the agreement can stop that.

  Respond by

  As soon as possible, and no later than 30 days from the date of the notice.

  Tonight

  Don't let the termination date pass. Once the agreement ends, collection starts again, including a possible lien or levy.

  Your rights

  After discussing your disagreement with the IRS, you have the right to appeal and to request a hearing with the IRS Independent Office of Appeals.

  With us

  Tell Karigan the date. If the old agreement never fit your numbers, the Roadmap looks at what would.

  On the signup form, answer “I owe taxes I haven't been able to pay.” Read that path.

  Source: IRS.gov, CP523 (opens in a new tab), read October 7, 2026.

• Letter 3172 Notice of Federal Tax Lien filing and your right to a hearing

  The IRS has filed a Notice of Federal Tax Lien for your tax debt, and this letter tells you about your right to a hearing on that filing. You have 30 days to request a Collection Due Process hearing with Form 12153.

  Respond by

  30 days to request the hearing.

  Tonight

  Don't expect the hearing to re-argue how much you owe; the IRS allows that only in limited circumstances. It is about the lien and the alternatives.

  Your rights

  You can request a Collection Due Process hearing with Form 12153 to discuss the lien filing.

  With us

  Bring it to the call with the date. A lien changes the order of the work, and the Roadmap is built around that.

  On the signup form, answer “I owe taxes I haven't been able to pay.” Read that path.

  Source: IRS.gov, Letter 3172 (opens in a new tab), read October 7, 2026.

• LT16 Unpaid taxes or missing returns; possible enforcement

  The IRS is collecting unpaid taxes, shows missing returns on your account, or both, and warns that enforcement can include a levy or a lien. File any missing returns, pay what you can, and set up a payment plan if you cannot pay in full.

  Respond by

  As soon as possible; pay by the date stated on the notice.

  Tonight

  Don't ignore it. A federal tax lien affects your credit and your ability to borrow.

  Your rights

  If you dispute the tax or cannot resolve a disagreement, you are entitled to a hearing with the Office of Appeals.

  With us

  Missing years and a balance together is exactly a Roadmap case: the years are priced as line items and the routes come after.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, LT16 (opens in a new tab), read October 7, 2026.

• CP2000 Proposed changes: income reported to the IRS doesn't match your return

  Income or payment information the IRS received from employers, banks, or others does not match your return, and the notice proposes changes that could raise, lower, or not change your tax. It is not a bill, but you need to answer by the date on it and say whether you agree.

  Respond by

  Reply by the date listed on the notice.

  Tonight

  Don't ignore it: without a reply, the IRS may send another notice and then a bill. You can ask for more time.

  Your rights

  The IRS points to Publication 5, Your Appeal Rights and How to Prepare a Protest If You Don't Agree.

  With us

  The Roadmap checks the IRS's figures line by line, including credits its recalculation may have missed.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP2000 (opens in a new tab), read October 7, 2026.

• CP2501 Income information doesn't match your return

  Information the IRS received from others does not match what you reported, and the notice explains the differences. It is not a bill, but you must respond on the response form by the date listed; you can ask for more time.

  Respond by

  Return the response form by the date listed on the notice.

  Tonight

  Don't treat it as optional because it isn't a bill. The IRS says you must respond.

  Your rights

  The IRS points to Publication 5, Your Appeal Rights and How to Prepare a Protest If You Don't Agree.

  With us

  An early version of a CP2000. A full answer now is the work; the IRS decides what follows.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP2501 (opens in a new tab), read October 7, 2026.

• CP3219A Notice of Deficiency

  The IRS believes your tax should be adjusted because of information it received from others and is proposing the change formally. You can agree by signing Form 5564, send more information, or challenge it in U.S. Tax Court by the date on the notice, and that court date cannot be extended.

  Respond by

  90 days from the date on the notice to petition the Tax Court.

  Tonight

  Don't assume that sending the IRS more information extends the deadline. It doesn't, and the Tax Court cannot take a late petition.

  Your rights

  You have the right to petition the U.S. Tax Court by the date on the notice, or to agree by returning Form 5564.

  With us

  Tell Karigan the date on the first call. The 90 days decide the order of everything, and this is where the urgency fee can apply.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP3219A (opens in a new tab), read October 7, 2026.

• CP3219N Notice of Deficiency because no return was filed

  The IRS did not receive your return, so it estimated your tax, penalty, and interest from income others reported and is proposing that amount. If you disagree, file your return by the date on the notice; you can also petition the U.S. Tax Court.

  Respond by

  90 days from the notice date (150 days if you are outside the U.S.) to petition the Tax Court.

  Tonight

  Don't assume filing the return extends the court deadline. It doesn't.

  Your rights

  You can petition the U.S. Tax Court within 90 days (150 if you are outside the U.S.); smaller disputes can use the court's simplified small case procedures.

  With us

  The IRS's estimate rarely includes your deductions or credits. A real return, prepared from the IRS's own records, replaces their estimate with your actual numbers.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP3219N (opens in a new tab), read October 7, 2026.

• CP59 No record of your prior year return

  The IRS has no record that you filed a prior year personal return. File it, or use Form 15103 to explain that you already filed or don't need to.

  Respond by

  Immediately; no action is needed if you filed within the last eight weeks.

  Tonight

  Don't put off filing. Time limits mean a refund or credit can be lost, and penalties grow on any tax owed.

  Your rights

  You can dispute the notice with Form 15103 by mail, fax, or through your IRS Online Account.

  With us

  With no balance letters yet, this is a back-year return, priced per year. If the IRS has already assessed tax, it is a Roadmap.

  On the signup form, answer “I'm behind on filing my tax returns.” Read that path.

  Source: IRS.gov, CP59 (opens in a new tab), read October 7, 2026.

• CP515 Reminder: no record of your prior year return

  A reminder that the IRS has no record of a prior year return. File it with Form 15103, or use the form to explain that you already filed or don't have to.

  Respond by

  Immediately; no action is needed if you filed within the last eight weeks.

  Tonight

  Don't skip filing because you can't pay. The IRS says to file anyway and ask for a payment plan.

  Your rights

  If you disagree, you can call the number on the notice.

  With us

  Each late year is its own return, built from the IRS's wage and income records, with its price stated before we start.

  On the signup form, answer “I'm behind on filing my tax returns.” Read that path.

  Source: IRS.gov, CP515 (opens in a new tab), read October 7, 2026.

• CP518 Final reminder: no record of your prior year return

  The IRS's last reminder that it has no record of a prior year return. File it with Form 15103, or explain that you already filed or don't have to.

  Respond by

  Immediately; no action is needed if you filed within the last eight weeks.

  Tonight

  Don't ignore the final reminder. The IRS may determine your tax for you, and that estimate rarely includes your deductions.

  Your rights

  If you disagree, you can call the number on the notice or return Form 15103.

  With us

  File before the IRS files for you. The return GN prepares from your records replaces their estimate.

  On the signup form, answer “I'm behind on filing my tax returns.” Read that path.

  Source: IRS.gov, CP518 (opens in a new tab), read October 7, 2026.

• CP161 Unpaid balance due (business)

  Your business has an unpaid balance, and the notice shows how the IRS calculated it and which payments it applied. Compare it with your return, pay by the date on the notice, or contact the IRS about payment arrangements.

  Respond by

  Pay by the date on the notice; call within 10 days of the notice date if you think the IRS made a mistake.

  Tonight

  Don't assume every payment you made was credited. Check the list of applied payments against your records.

  With us

  Payroll and business balances have their own rules and their own risks for the owner personally. Bring every notice to the call.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP161 (opens in a new tab), read October 7, 2026.

• CP22A Changes to your return resulted in a balance due

  The IRS made changes to your return and you now owe money. If you agree, pay by the due date or ask about a payment plan; if you disagree, call the number on the notice.

  Respond by

  By the due date on the notice.

  Tonight

  Don't let the due date pass without paying or calling. The IRS says it may remove the late payment penalty if you reach them by the due date.

  With us

  Ask on the call whether the change itself looks right. Agreeing with the IRS is a choice, not a default.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP22A (opens in a new tab), read October 7, 2026.

• CP11 Mistakes corrected; the amount you owe changed

  The IRS corrected a mistake on your return and the amount you owe changed. Pay by the date shown if you agree, or call the number on the notice by that date if you disagree.

  Respond by

  By the date shown on the notice.

  Tonight

  Don't miss the date if you disagree. After it, you lose the formal right to have the change reversed and to appeal to the Tax Court.

  Your rights

  If you contact the IRS by the date on the notice, it will reverse most changes that raised what you owe, and you keep your right to appeal to the U.S. Tax Court.

  With us

  Math error notices are sometimes wrong. Bring the notice and the return you filed to the call.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP11 (opens in a new tab), read October 7, 2026.

• CP12 Mistakes corrected; your refund changed

  The IRS corrected a mistake on your return and your refund changed, up or down. If you agree, you need do nothing and a refund arrives in about four to six weeks unless you owe other debts; if you disagree, call by the date on the notice.

  Respond by

  By the date on the notice, if you disagree.

  Tonight

  Don't mail the IRS a corrected return, and don't miss the date if you disagree.

  Your rights

  If you contact the IRS by the date on the notice, it will reverse most changes that reduced your refund, and you keep your right to appeal to the U.S. Tax Court.

  With us

  Usually not a case. If the change took a credit you were owed, bring it to the call and Karigan will tell you whether it is worth an engagement.

  On the signup form, answer “Something else, or I'm not sure yet.”

  Source: IRS.gov, CP12 (opens in a new tab), read October 7, 2026.

• CP49 Your refund was used to pay a tax debt

  The IRS used all or part of your refund to pay a tax debt. If only part was used, the rest should arrive within about three weeks unless you owe other debts.

  Respond by

  No deadline stated.

  Tonight

  Don't assume the debt was yours on a joint return. If it was your spouse's, Form 8379 (Injured Spouse Allocation) may recover your share.

  Your rights

  If the debt was not yours on a joint return, Form 8379, Injured Spouse Allocation, lets you claim your share of the refund.

  With us

  If a balance keeps eating your refunds, the Roadmap looks at the balance itself rather than the symptom.

  On the signup form, answer “I owe taxes I haven't been able to pay.” Read that path.

  Source: IRS.gov, CP49 (opens in a new tab), read October 7, 2026.

• CP75 Audit of your Earned Income Credit

  The IRS is auditing your return and needs documents to verify the Earned Income Credit, and it is holding that part of your refund until the audit is done. Send legible copies of everything requested with the response form, all at once.

  Respond by

  By the response date on the notice.

  Tonight

  Don't send documents in pieces, and don't ignore it: with no reply, the IRS disallows the credit and sends a report with proposed changes.

  With us

  An audit letter is a Resolution matter. The response is built from your records and the IRS's, with the date on the letter governing the order.

  On the signup form, answer “I got a letter or notice from the IRS or my state.”

  Source: IRS.gov, CP75 (opens in a new tab), read October 7, 2026.

• CP2057 You may need to file an amended return

  The IRS received information that wasn't on your return and you may need to amend it. If the information is correct, file Form 1040-X; if it is wrong, ask the business or person who reported it to correct it.

  Respond by

  No deadline stated; the IRS says as soon as possible.

  Tonight

  Don't leave wrong information uncorrected at the source. The IRS says to contact whoever reported it.

  Your rights

  The IRS points to Publication 5, Your Appeal Rights and How to Prepare a Protest If You Don't Agree.

  With us

  An amended return is quoted on its own. If the missing item changes several years, that becomes a Roadmap.

  On the signup form, answer “I need this year's tax return done.” Read that path.

  Source: IRS.gov, CP2057 (opens in a new tab), read October 7, 2026.

• CP05 The IRS needs more time to verify your return

  The IRS is taking more time to verify income, withholding, or credits before finishing your return. If you filed it, nothing is needed from you now; if you didn't, someone may have used your information and Form 14039 applies.

  Respond by

  No action if you filed; the IRS asks you not to call until 60 days after the notice date.

  Tonight

  Don't call the IRS before 60 days have passed, unless you did not file the return it describes.

  With us

  Usually nothing for us to do. If the refund is still held months later, call Karigan. Reading your account is where an engagement begins, and the price is on the call.

  On the signup form, answer “Something else, or I'm not sure yet.”

  Source: IRS.gov, CP05 (opens in a new tab), read October 7, 2026.

• Letter 5071C Verify your identity and your return

  A return was filed under your Social Security number or ITIN, and the IRS needs you to confirm it was you before it continues. Follow the letter's instructions to verify online or by phone; if you didn't file it, you may be a victim of identity theft.

  Respond by

  No deadline stated; the IRS will not process the return until you verify.

  Tonight

  Don't ignore it if you did file. Nothing moves until you verify.

  With us

  Not a case for us. Follow the letter; if the return wasn't yours, the IRS's identity theft steps come first, and we can help you sort out what follows.

  On the signup form, answer “Something else, or I'm not sure yet.”

  Source: IRS.gov, Letter 5071C (opens in a new tab), read October 7, 2026.

• Letter 4883C Verify your identity by phone

  The IRS received a return under your number and needs you to verify your identity by calling the hotline in the letter, with the letter, that return, a prior year return, and supporting documents ready. Tell them at once if you didn't file.

  Respond by

  No deadline stated; after you verify, a refund can take up to nine weeks.

  Tonight

  Don't file Form 14039 in response to this letter; the IRS says to follow the letter's instructions instead.

  With us

  Not a case for us. Make the call with your documents ready, and reach out if anything on the account looks wrong afterward.

  On the signup form, answer “Something else, or I'm not sure yet.”

  Source: IRS.gov, Letter 4883C (opens in a new tab), read October 7, 2026.

Act by the date on the notice. That date protects your rights, and paying what you can by it lowers the interest and penalties even when you cannot pay it all. Not on this list? Bring the letter to the call; Karigan will ask for the code and the date. The IRS's own guide to its notices (opens in a new tab).