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Stephen K. Galgoczy, Esq.

Stephen K. Galgoczy, Esq.Steve is the founder and President of Fortress Financial Services. Steve has worked in the tax resolution industry, and has been representing taxpayers in collections with both state and federal governments, since 1999. Steve holds a Bachelor's Degree in Business Administration from the University of Washington (focus on Finance and Marketing) and attended Seattle University School of Law on an academic scholarship. He graduated cum laude and in the top 25% of his law school class. He holds a license in good standing with the Supreme Court of the State of Colorado and is admitted to practice in United States Tax Court. Steve Galgoczy has never been disciplined by the Colorado Bar Association.Before Fortress, Steve spent four years as the top Associate with two of the largest tax resolution firms in the United States. During his career as a tax resolution professional, Steve has personally handled over 1500 cases involving delinquent taxes and has had significant involvement in well over 2500 such cases. Steve has extensive experience handling some of the most difficult tax collection cases found in the world of tax resolution and is considered by many to be among the best tax resolution professionals in the country. Steve is also considered by many to be among the best in the nation when it comes to training other tax resolution professionals. He has trained a number of professionals who are currently employed by competing firms, including at least one professional who is an owner of a competing firm. Steve has also extensively trained every single Fortress attorney, which typically means more than 500 hours of one on one time with each attorney--and the vast majority of that time is spent working real life cases. While Steve’s primary focus is quality assurance for all Fortress clients, he is available to assist other Fortress attorneys when additional firepower is needed.

Can The IRS Take My Social Security, IRA, 401K, and Pension?

Can The IRS Take My Social Security, IRA, 401K, Pension and Retirement?

Many people who owe taxes to the IRS are terrified that the IRS will swoop in and take their retirement nest egg or retirement income, thereby leaving them destitute for their golden years.  Can the IRS really do that?  Generally, such assets are “off limits” to creditors thanks to federal protections. But they are not …

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Top 6 IRS Collection Notices

6 IRS Collection Notices You Absolutely Need to Notice

Getting behind on your tax obligations to the IRS is very stressful. Much of that stress stems from IRS collection notices. Not only is a delinquent taxpayer’s mailbox flooded with IRS mail, but that mail almost always contains scary, bolded “PAY NOW” demands, confusing language, and seemingly conflicting numbers. Clients often come to us overwhelmed, …

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Notice of Intent to Levy | Letter 1058 | Notice LT 11 & Notice CP 90 | FNIL

IRS Final Notice of Intent to Levy (FNIL)

If you or your business had the misfortune of winding up in collections with the Internal Revenue Service, you’ve probably been receiving what might seem like an overwhelming amount of mail from the IRS regarding your tax liability.  It is not uncommon for people in this situation to feel a sense of dread every time …

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Business Fails to Resolve Back Taxes | Federal Tax Lien | TaxFortress.com

Can I Resolve Back Taxes By Qualifying For Currently Not Collectible Status?

Benjamin Franklin once said that nothing is certain in this life but death and taxes.  I’ll agree that none of us will cheat death.  But I may quibble with Mr. Franklin on the issue of whether or not you have to pay all of your taxes.  Under the right set of circumstances, full payment of …

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Moving America Forward Interview | Tax Resolution Services

Fortress Financial Services Featured On Moving America Forward Hosted By William Shatner

Earlier this year, I received a voice message from a producer for a television show called Moving America Forward, hosted by William Shatner.  The message stated that they were interested in speaking with me about possibly appearing on their nationally broadcasted television show. Moving America Forward Interviews Fortress Financial Services I was intrigued to say …

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Business Offer in Compromise | Payroll Tax Settlement | 941 Employment

Can My Business Settle its IRS Tax Liability with an In Business Offer in Compromise?

When the Internal Revenue Service created the Offer in Compromise program, the candidates they probably had in mind were those people who were struggling to keep the lights on, feed and clothe themselves and their children, and keep a roof over their heads.  The ideal candidate, they most likely surmised, is not a for-profit business.  …

Can My Business Settle its IRS Tax Liability with an In Business Offer in Compromise? Read More »

IRS Dirty Dozen Tax Scams | Fortress Financial Services Inc

How To Defend Yourself Against The Dirty Dozen Tax Scams

Each year, the IRS publishes its “Dirty Dozen” tax scams, which is essentially a list of the biggest, most widespread tax-related scams. Typically, the lion’s share of the “Dirty Dozen” consists of schemes perpetrated by individuals and businesses trying to scam the IRS by way of abusive tax shelters, hiding money offshore, padding deductions on …

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Taxpayer Advocate Service | Offer in Compromise | TaxFortress.com

Taxpayer Advocate Service: Utilizing the Taxpayer Advocate to Resolve IRS Tax Liabilities

The Internal Revenue Service is one of the largest government agencies in the world. With around 90,000 employees and a budget in the billions, it’s truly an empire within our government, and its rules and regulations are not wholly known by any one single human being. Therefore, as you can imagine, it’s possible that the …

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How to Reduce Your IRS Tax Liability | OIC | TaxFortress.com

Top 5 Ways To Reduce An IRS Tax Liability

So, something in life or business didn’t go according to plan, and now you’re faced with an IRS tax liability. While few people relish being a collection target of America’s most formidable creditor, there may be a silver lining. You may have options which could significantly reduce the amount that you have to pay the …

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IRS Appeals | Offer In Compromise | Tax Relief Help

Barking Up the IRS Chain of Command – Getting Results by Working the Bureaucracy

Recently I was engaged in a heated discussion with an IRS Appeals Settlement Officer. The subject was an Offer in Compromise (Tax Settlement) I had filed on a client’s behalf. The IRS did not want to approve our Offer because they noticed that my client had been late with a few tax payments during the …

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OIC | IRS Offer in Compromise | Free Tax Help | TaxFortress

How to Get a Tax Pro to Settle Your Tax Liability (OIC) Offer in Compromise

If you or your business have gotten behind with the IRS, a tax settlement, also known as an Offer in Compromise (OIC), might be the best way to get rid of your tax liability—if you qualify. There are three general categories of OICs: Doubt as to Liability (I don’t actually owe this tax), Effective Tax …

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IRS Levy | Notice of Levy | IRS Seizure | TaxTortress

The IRS Levied My Bank Account! What Do I Do?

Perhaps no other action taken by the IRS is more disruptive, surprising, and panic-inducing than an IRS levy on your checking or savings account. With one notice sent to your bank, the IRS can seize every penny you’ve got, and apply it toward your tax bill. To make it worse, you may never realize it …

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Notice of Federal Tax Lien | Certificate of Discharge | TaxFortress

How to Sell an Asset That is Subject to a Notice of Federal Tax Lien

If you owe taxes to the IRS, a tax lien automatically arises against you and attaches to just about everything you own.  This is sometimes called a secret lien since the government’s claim does not initially appear in any public records.  Rather, the lien automatically comes into existence when the tax liability is assessed.  Eventually, …

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1040 | Penalty Abatement | Failure to Pay Penalty | TaxFortress

It’s Almost April 15th, and I Can’t Pay My 1040 Tax. What Do I Do?

April 15th is right around the corner, and if you expect to owe 1040 income tax, but don’t have the resources with which to pay it, you are in the same boat as many Americans.  First of all, don’t panic.  Federal officers are not going to show up at your home on April 16th to …

It’s Almost April 15th, and I Can’t Pay My 1040 Tax. What Do I Do? Read More »

IRS Offer in Compromise | Fresh Start Initiative | Form 656

IRS Offer in Compromise: Common Challenges to Approval

You have read the Form 656, IRS Offer in Compromise booklet, the rules under the Fresh Start Initiative, and perhaps even hired an attorney or other representative to help you submit your Offer in Compromise to the IRS.  You feel you have sent in a complete Offer, with all documentation attached.  You feel the IRS should …

IRS Offer in Compromise: Common Challenges to Approval Read More »

Voluntary Payment | IRS Appeals | Installment Agreement

Can I Avoid Additional Tax Penalties by Designating Payments to My IRS Tax Liability?

Answer: Depending upon the specifics of your situation, it may be possible to avoid hundreds, or even thousands, of dollars in penalties simply by “designating” voluntary payments applied toward your tax liability.  Keep in mind that payments made in accordance with a formalized installment agreement are not considered voluntary, so you have no right to …

Can I Avoid Additional Tax Penalties by Designating Payments to My IRS Tax Liability? Read More »

941 Tax | IRC 6672 | Trust Fund Recovery | TaxFortress

Personal Liability for Unpaid Employer Withholding Taxes

Can I be held personally liable for unpaid 941 employer withholding taxes?  What can be done to avoid this/protect personal assets/income? If you are an owner, officer, check-signer or decision-maker at a business that is behind on 941 taxes, you are at risk of being personally assessed with a penalty – called the Trust Fund …

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IRS Asset Seizure | Tax Levy | Notice of Levy | TaxFortress

Will the IRS Seize Assets or Force the Sale of Them?

Will the IRS take your assets or force you to liquidate assets in order to satisfy your IRS back tax liability? The IRS can, with a few limited exemptions, seize your assets to satisfy your IRS back taxes. However, if you have competent legal representation, this should not happen to you unless every other collection …

Will the IRS Seize Assets or Force the Sale of Them? Read More »