Stop Losing Sleep Over the IRS, FTB, EDD, or CDTFA

Get a Battle-Tested Tax Resolution Expert in Your Corner — 20+ Years, Thousands of Cases, One Singular Focus

If you’re reading this, you already know what’s happening. The notices are stacking up. The penalties and interest are compounding. The ‘ I’ll deal with it next month ‘ has turned into next quarter, and now next year. You’ve been told what you need by your CPA, your friend, the article you read at 2 a.m. — and you already know, deep down, that the longer you wait, the worse this gets.

So let’s stop pretending the problem is information. The problem is action. And action is exactly what I deliver.

The Time to Confront This Is Right Now

Every day you wait, the IRS, FTB, EDD, or CDTFA gets stronger and you get weaker. That’s not a scare tactic — that’s the math of statutes, accruals, and enforcement timelines.

Here’s what waiting actually costs you:

• Failure-to-pay penalties compound monthly until paid in full.
• Interest on unpaid balances is recalculated quarterly and never sleeps.
• Federal tax liens destroy your credit and freeze your ability to refinance, sell, or borrow.
• Bank levies and wage garnishments happen with as little as 30 days’ notice.
• Passport revocation is real for seriously delinquent debt over the IRS threshold.
• EDD and CDTFA assessments become final and unappealable if you miss the protest window.

You already know all this. You’ve Googled it. You’ve read the threads. You don’t need another article — you need a representative who can pick up the phone, file the right form, and get this off your desk.

If you’ve been carrying this heavy burden for 30, 60, 90 days or longer — that ends this week.

Will This Service Actually Help You Get What You Want?

Let’s be direct. You want one or more of these:

• Stop the collection actions — levies, garnishments, liens.
• Settle for less than you owe, where the law allows it.
• Get into an installment agreement you can actually afford.
• Win an audit — IRS, FTB, EDD, or CDTFA — without paying a dime more than you legally owe.
• Remove penalties through First-Time Abatement or reasonable cause.
• Fix unfiled returns, going back as many years as needed.
• Walk into your business or your home Monday morning without dread.

Tax representation — done right — is the single fastest path to every one of those outcomes. Not a CPA who ‘also helps with notices.’ Not a tax prep storefront. An experienced, licensed Enrolled Agent admitted to practice before the IRS, with the federal authority to represent you in all 50 states and the credentials to handle California’s FTB, EDD, and CDTFA matters.

That’s exactly what I do, every day, only this. Not a side service. Not one of fifty offerings. Tax representation is the practice.

Will This Get You Closer to Your Real Goals?

The tax problem isn’t really about the tax problem.

It’s about the business deal you can’t close because of the lien. The home you can’t refinance. The retirement you can’t plan because you don’t know what you actually owe. The marriage strain. The 3 a.m. spiral. The shame of opening another envelope with a window.

When we resolve the tax matter, we don’t just close a file — we give you back the bandwidth to run your business, grow your wealth, sleep through the night, and make the next decision from a position of strength instead of fear.

You don’t hire a tax representative to handle the IRS. You hire one to get your life back.

And here’s what that looks like in practice:

• Within 24–48 hours: Power of Attorney filed (Form 2848 / FTB 3520-PIT or BE / DE 48). The agencies stop calling you and start calling me.
• Within the first week: full transcript pull, account analysis, and a written game plan with realistic outcomes — not promises designed to close a sale.
• Throughout the engagement: every notice, every deadline, every form — handled.

Can You Trust Me to Fulfill My Role?

Trust is earned with credentials, track record, and the willingness to look you in the eye and tell you the truth — even when it costs me the engagement. Here’s what I bring to your case:

Credentials & Authority

• Licensed Enrolled Agent (EA) — federally authorized to represent taxpayers before the IRS in all 50 states.
• California-based representation for FTB, EDD, and CDTFA matters — including residency audits, employment tax audits, and sales/use tax disputes.
• Subject to Treasury Circular 230, which means I am bound to the highest standards of due diligence and ethics.

Background That Actually Matters

I’m not a tax-school graduate who learned this last year. Before building this practice, I served as Controller at Xerox Corporation and Director of Finance at AEG. That means when I sit across from a Revenue Officer, an EDD auditor, or an FTB examiner, I’m not just reading code sections — I’m reading financial statements, business operations, and the real economics of what you actually owe versus what they’re claiming.

Twenty-plus years of actual tax representation experience. Thousands of cases. Individual taxpayers, business owners, S-Corp shareholders, multi-state filers, expats, real estate investors, traders, professionals.

What You Get That You Won’t Get Elsewhere

• Direct access to me. Not a junior associate. Not a case manager. Not a sales rep who hands you off after the deposit clears.
• Citation-driven work. Every position I take is supported by IRC, Treasury Regulations, IRM, CUIC, R&TC, or controlling case law — written down, on the record, defensible.
• Honest assessments. If an Offer in Compromise won’t fly for your situation, I’ll tell you on the consult — not after a $5,000 retainer.
• Faith-centered, ethics-first practice. I treat every client matter the way I’d want mine treated.

Will This Resolution Actually Work for You?

Tax resolution is not magic. It’s a defined set of legal procedures, applied correctly, on the right timeline, with the right documentation. The question isn’t whether resolution works — it’s whether you have someone who knows which lever to pull, when, and how.

Here are the actual programs and procedures I use to resolve cases — every one of them codified, every one of them available to you when handled correctly:

Federal (IRS)

• Offer in Compromise (Doubt as to Collectibility / Effective Tax Administration)
• Installment Agreements — Streamlined, Non-Streamlined, Partial Pay (PPIA)
• Currently Not Collectible (CNC) status under IRM 5.16
• Penalty abatement — First-Time Abatement and reasonable cause
• Innocent Spouse Relief, Injured Spouse, and Equitable Relief
• Collection Due Process (CDP) and Equivalent Hearings
• Audit defense — correspondence, office, and field examinations
• Appeals representation and Tax Court petitions
• Trust Fund Recovery Penalty defense (IRC § 6672)
• Lien subordination, discharge, and withdrawal
• Levy releases, wage and or bank levies

California (FTB / EDD / CDTFA)

• FTB residency audits and statutory residency disputes
• FTB Offers in Compromise and installment agreements
• EDD employment tax audits — worker classification, AB 5, ABC test defense
• EDD petitions, settlement bureau negotiations, and CUIAB hearings
• CDTFA sales and use tax audits, appeals, and OTA representation

Multi-State & International

• All 50 states — nexus disputes, residency conflicts, multi-state amendments
• Expats and Americans abroad — FBAR, FATCA, streamlined procedures, foreign earned income

If your problem fits inside the U.S. tax code or California’s revenue agencies — there is a defined path to resolution. My job is to identify it and execute it.

Why Clients Choose Mike Habib, EA Over the Big Firms

Most taxpayers think they have two choices: a $99 tax-relief mill that runs ads on AM radio, or a Big Four / large law firm charging $850–$1,500 per hour. There’s a better third option.

Big firms: $850–$1,500/hour, you get assigned a junior, partners are gatekept behind retainers most clients can’t afford, and your file is one of hundreds.

Tax-relief mills: low upfront, high churn, sales-driven, often unlicensed staff doing the actual work, and outcomes that frequently don’t match the promises.

Mike Habib, EA: $400–$500/hour with most engagements offered on a flat-fee basis for cost certainty. Direct personal access. Licensed, credentialed, and accountable. The same federal authority as any tax attorney for IRS representation — at roughly a third the price.

Here’s What Happens Next

You schedule a confidential consultation. We talk through your specific situation — what notices you’ve received, what you owe, what’s at stake, what you’ve already tried.

By the end of that call, you’ll have three things you don’t have right now:

• 1. Clarity — what you’re actually facing, in plain English, without the scare tactics.
• 2. A path — the specific procedures and programs that fit your case.
• 3. A decision — a clear, transparent flat-fee quote so you know exactly what resolution costs before you commit a dollar.

If we’re a fit, we get to work that day. Power of Attorney filed. Agencies notified. The pressure shifts off you and onto me — where it belongs.

If we’re not a fit, you’ll leave the call better informed than you came in. No pressure. No upsell.

The notices won’t stop on their own. The interest won’t pause. But this — right here — can stop today.

Mike Habib, EA

Licensed Enrolled Agent  •  IRS, FTB, EDD, CDTFA Representation
All 50 States  •  Americans Abroad  •  Whittier, California

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