Debt help directory

Official agencies and national nonprofits, free to use. Filter by type of debt or search by keyword.

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Verify before you call. Numbers and links were compiled on 21 October 2026, and organizations change them. Confirm on the official website, and never give account passwords or pay a fee to anyone who calls you first.

2 of 17 contacts for federal tax debt

• Tax debt

  IRS payment plans

  Federal agency · Free

  Apply online for a short-term or long-term payment plan (installment agreement) for federal tax you owe.

  Phone

  800-829-1040

  Website

  irs.gov/payments

  Helps with: Tax debt

• Tax debt

  Taxpayer Advocate Service

  Independent office within the IRS · Free

  Free help when an IRS problem is causing financial hardship or has not been resolved through normal channels.

  Phone

  877-777-4778

  Website

  taxpayeradvocate.irs.gov

  Helps with: Tax debt

How the directory is chosen

Only government agencies, federally authorized services, and national nonprofits are listed. Debt Rolodex does not list for-profit debt settlement, consolidation lenders, or credit repair companies, and nobody pays to be included.

State programs and laws vary. For state-specific help, start with your state attorney general or dial 211.