Receiving a letter from the IRS can feel overwhelming — especially if you’re not sure what it means or how to respond. But don’t panic. In many cases, the IRS is simply seeking clarification or proposing a correction. The key is to respond quickly, correctly, and confidently. This guide walks you through what to do if you receive an IRS notice in Maryland, your options, and how to protect yourself from further complications.
Why Did I Receive a Letter from the IRS?
The IRS sends millions of letters every year for many reasons. You might receive one if:
- There’s a discrepancy in your return
- They need more information to process your return
- You owe taxes
- You’re due a larger or smaller refund
- You’re being audited
If you’re in Maryland and you’ve received an IRS notice, you’re not alone — and you have options. The most important thing is not to ignore it.
Step 1: Identify the Type of Notice
IRS letters include a notice or letter number in the upper right (e.g., CP14, CP2000, CP504, LT11/Letter 1058, CP5071C). A few you’ll commonly see:
- CP14: First balance-due bill. It tells you how much you owe and generally asks for payment within 21 days (or to set up a plan).
- CP2000:“Underreported income” proposal when third-party information (W-2/1099) doesn’t match your return; typically allows a 30-day response window. Not a bill.
- CP504: A stronger balance-due reminder and Notice of Intent to Levy (often the state refund) if you don’t act. Read and respond promptly.
- LT11 / Letter 1058 / CP90: Final Notice of Intent to Levy, giving Collection Due Process (CDP) hearing rights — 30 days to request a hearing usually stops levies while Appeals reviews.
- CP5071C (identity verification): The IRS needs you to verify your identity (online or by phone) before processing the return. Follow the letter’s instructions.
- Statutory Notice of Deficiency (e.g., Letter 3219 / CP3219A/N): You have 90 days (150 if abroad) from the date on the notice to petition the U.S. Tax Court if you disagree.
Once you identify the letter type, you’ll know the next steps. If you’re unsure, search the IRS website or call the Beverly’s Winstead Law Office in Maryland for clarification.
Step 2: Read It Carefully — Then Read It Again
The IRS is known for using formal, legal language that can be difficult to interpret. Take your time to read the notice fully.
Look for:
✔ What the IRS says is wrong or missing
✔ What they’re asking you to do
✔ Deadlines for response or payment
✔ Any proposed changes to your tax return
If you’re still unsure, you can contact the IRS directly — but be prepared for long wait times.
Step 3: Don’t Ignore the Deadline
Every IRS letter comes with a response deadline. If you miss it, you may face:
- Additional penalties or interest
- Wage garnishment
- Bank levies
- Liens on your property
That’s why understanding how to respond to IRS notices — and doing it on time — is critical.
Step 4: Gather Your Documents
Before you respond, gather the documents related to your tax return. These may include:
- W-2s or 1099s
- Your filed return
- Correspondence with the IRS
- Proof of payments or deductions
- Any IRS forms or notices previously received
This will help you support your position or determine whether the IRS is correct.
Step 5: Respond Accurately and Securely
Once you’ve reviewed your documents and understand the issue, it’s time to respond.
You may need to:
- Agree with the proposed changes and pay the amount due
- Dispute the changes with an explanation and documentation
- Request more time or additional help
For Maryland residents unsure how to respond to an IRS letter, a tax attorney can help prepare your reply professionally and in line with IRS expectations.
Step 6: Consider Getting Professional Help
If you’re unsure about your notice, don’t try to handle it alone. Some situations require the support of a legal professional, especially if:
- You owe more than you can pay
- You’re being audited
- You believe the IRS made an error
- You’ve received multiple notices
- You haven’t filed in several years
The Law Offices of Beverly Winstead can help you craft a legally sound response, represent you in communications with the IRS, and even negotiate settlements or payment plans if needed.
What If You Can’t Afford to Pay?
If your IRS letter says you owe taxes, don’t panic. There are options — and simply ignoring the bill will only make it worse. Depending on your situation, you might qualify for:
- Payment plans (installment agreements): Short-term (up to 180 days) or long-term monthly plans.
- Offer in Compromise (OIC): Settle for less when you truly can’t pay in full.
- Currently Not Collectible (CNC): Temporary pause of collection if paying would prevent basic living expenses.
Consult a tax professional to help you explore these options before committing to payment terms you can’t manage.
Contacting the IRS Taxpayer Assistance Center in Maryland
If you want to speak with someone directly, you can reach out to the IRS Taxpayer Assistance Center (TAC) in Maryland. These are in-person offices where you can make an appointment for help with certain issues.
Note: Always call ahead or use the IRS website to schedule an appointment — walk-ins are not accepted.
Final Thoughts: Don’t Wait Until It’s Too Late
Receiving an IRS letter can be intimidating — but it’s often something that can be resolved with a calm, informed response. The biggest mistake Maryland taxpayers make is waiting too long to act.
At The Law Offices of Beverly Winstead, we specialize in helping individuals and businesses in Maryland understand, respond, and resolve IRS issues with confidence. If you’re not sure what to do next, help is one phone call away.