Whether you have failed to properly file annual returns, or missed payments of your annual taxes, make no mistake — the IRS will eventually put you in its cross-hairs. Once that happens and the IRS is ready to move on your assets, they may come after your paychecks, bank and retirement accounts, and other property, without much time for you to take action. The good news is tax debt reduction programs under federal law provide real relief for hard working Americans such as yourself. But these programs can be very difficult to navigate.