Offer in Compromise 2024: How to Qualify and Submit Your Offer to the IRS

  Рет қаралды 21,617

Logan Allec

Logan Allec

Күн бұрын

Пікірлер: 131
@dsheridan4497
@dsheridan4497 3 жыл бұрын
Excellent vid! Best advice from a non-interested tax professional: Hire Logan's team there is just TOO much that could go wrong with a self prepared O & C!
@LoganAllec
@LoganAllec 3 жыл бұрын
Thank you! Yes, we just had a call yesterday with a new client who prepared their own offer and it was rejected. Upon reviewing it it was glaringly obvious why...
@moramora6976
@moramora6976 Жыл бұрын
Hi how many years of refunds the IRS takes from me they accept the offer in 2020
@LoganAllec
@LoganAllec 2 жыл бұрын
➡️ Book your FREE tax relief consultation TODAY at choicetaxrelief.com/free-consultation/ or call 866-8000-TAX NOW!
@1artisan
@1artisan 2 жыл бұрын
Do you have a video for CNC yet?
@LoganAllec
@LoganAllec 2 жыл бұрын
Working on it. Video giving a general overview of tax relief strategy (OICs, CNCs, PPIAs) should be coming out this week. Then I hope to do separate standalone videos on CNC and PPIA, similar to what I did for OIC.
@LoganAllec
@LoganAllec 3 жыл бұрын
This video covers the basics of how the offer in compromise process works. If you'd like a more detailed training on exactly how much to offer in compromise to the IRS, check out this other video: kzbin.info/www/bejne/Z5unm2mvfdOdg6s Also, be sure to call 866-8000-829 to book your FREE tax relief consultation!
@Iris4169-j6p
@Iris4169-j6p 3 жыл бұрын
Hi Logan, what is the best way to contact you.
@LoganAllec
@LoganAllec 3 жыл бұрын
@@Iris4169-j6p Please email at taxrelief@loganallec.com
@desiluv03
@desiluv03 2 жыл бұрын
Can I do an OIC if I’ve defaulted on a regular payment plan
@Ocean_boypump
@Ocean_boypump 2 жыл бұрын
@@Iris4169-j6p Thanks for watching📩📩 we appreciate your feedback, contact the number above 👆👆 for major insights on Crypto..
@marieneu264
@marieneu264 3 жыл бұрын
How do you feel about all these company’s on commercials and on Google ads that promise to help you. Is it better to just try by yourself first?
@LoganAllec
@LoganAllec 2 жыл бұрын
It depends! If someone has a relatively straightforward situation, it might be better to just do it oneself.
@Cali8842
@Cali8842 8 ай бұрын
Is it true oic creates a public record? From what I’m reading on it, it does.
@LoganAllec
@LoganAllec 8 ай бұрын
Not that I'm aware of. Please share where you read that :)
@Cali8842
@Cali8842 8 ай бұрын
@@LoganAllec on the irs.gov….. It says, the IRS makes available for public inspection a copy of form 7249, offer acceptance report , for one year after the date of acceptance. It appears you have to request this file, so I don’t think that it appears on your credit report under public records, but if a company or individual wanted to verify or view this for any reason, they could submit a request for the offer in compromise public inspection report.
@EdgarHernandez-tl5il
@EdgarHernandez-tl5il 2 жыл бұрын
What’s the negative impact of OIC. Credit wise or License with the state
@LoganAllec
@LoganAllec 2 жыл бұрын
An offer in compromise has no effect on one's credit nor on state licenses.
@musafa24
@musafa24 2 жыл бұрын
what if you are in a payment arrangement with the IRS
@LoganAllec
@LoganAllec 2 жыл бұрын
If you're in a payment arrangement with the IRS, it will be put on hold while the IRS is reviewing your offer. You can book a free consultation at choicetaxrelief.com/free-consultation/
@showtime95667
@showtime95667 6 ай бұрын
Interesting We owe 63k. I spoke to someone said if you own property and have assets any pic would be rejected. That only option would be be to ask for interest and penalty which would save only $2k and she would charge $4k
@margom.8901
@margom.8901 3 жыл бұрын
Great video! It would be great to know in your FAQ if your income is very low, and you can only pay a minimal amount if you qualify for an Offer & Compromise.
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Margo. Yes, that is possible. In fact, people who are having a tough time financially are the exact kind of person the offer in compromise was created for.
@amandawest8441
@amandawest8441 Жыл бұрын
I have a question we sent an offer in compromise and it was rejected because it said we needed 2 forms do you know if that's because I had back tax debt before I was married and then when I was married there was a few years that we were also including in the offer
@mzjamaica
@mzjamaica Жыл бұрын
Great video, I called the IRS yesterday, and after holding for an hour to speak to someone, rep kept advising me to fill out form 433-f. Should I submit this form then do the 656 OIC?
@LoganAllec
@LoganAllec Жыл бұрын
If you qualify for an offer in compromise, there's no need to fill out the Form 433-F. The forms you need are the Form 433-A (OIC) and the Form 656.
@alishaleehan9695
@alishaleehan9695 Жыл бұрын
Wow! Great info exactly what I needed to see. I currently owe 35K and haven’t filed this year or last.. how can I go about a consultation? I want to figure out how to resolve this but I’m living check to check like most people - last I heard they had me on non collectable status
@LoganAllec
@LoganAllec Жыл бұрын
Hi Alisha. I see you filled out a form. If no one's reached out yet, please book a free consultation at choicetaxrelief.com/free-consultation/ to book a time this week!
@brooklynbad5114
@brooklynbad5114 2 жыл бұрын
Mr Logan I'm from NYC and this video is so informative. I have never taken my phone to the bathroom so I don't miss the beat. question I owe about $15,000 in taxes from the 2020 year. synopsis my tax accountant put my pension for my job on the schedule C and she upped my mileage expense. which I don't know why but that's a whole different conversation. I don't think I will qualify for offer and compromise is there a way I can set up a payment plan I guess for the next so many years. example 250 a month
@LoganAllec
@LoganAllec 2 жыл бұрын
Hi Brooklyn. Yes, I think the IRS would accept $250/month in your case because that would full pay your liability over 72 months.
@great-garden-watch
@great-garden-watch 12 күн бұрын
They lost my returns and posted my payments who knows where. I don’t know if i just pay them again, run, or i don’t know what but i am getting so sick physically
@oopsieeee
@oopsieeee 3 жыл бұрын
Question: If you have a repayment agreement can you still submit an offer in compromise?
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi there. I assume you're referring to an installment agreement. If so, yes, you can still submit an offer in compromise even if you are currently paying on an installment agreement.
@jonport_
@jonport_ Жыл бұрын
Just book led a time to talk! I have tax debt and it’s stressing me out. Hopefully we can work together
@TX-qk5jt
@TX-qk5jt 3 жыл бұрын
Patiently waiting for the next episodes on this topic. Thank you!
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi. I just released a new hour-long training here on exactly how to calculate the offer in compromise amount: kzbin.info/www/bejne/Z5unm2mvfdOdg6s
@kennethvandelinde3240
@kennethvandelinde3240 2 жыл бұрын
Hi Logan, is there a statute of limitations on back taxes, if no oh well if so how many years does it have to be....thanks
@LoganAllec
@LoganAllec 2 жыл бұрын
Hi Kenneth. Yes, there is a statute of limitations on back taxes. The IRS can only collect on back taxes for 10 years from the date of assessment, which is typically triggered by the filing of a tax return or the filing of an IRS-prepared substitute for return (if the taxpayer did not file their own return). I wrote an article about it on my firm's website: choicetaxrelief.com/irs/statute-of-limitations/
@davidlennear3112
@davidlennear3112 3 жыл бұрын
What happens if you have money in your 401k and then you subtract the loan amount but the remaining funds are not acceptable as a withdrawal from your fund ? Meaning that you cannot touch them because you have a loan already ?
@lissettreynaga2750
@lissettreynaga2750 3 жыл бұрын
I have the exact question.
@LoganAllec
@LoganAllec 3 жыл бұрын
I have not had a client with this particular issue but depending on circumstances I would not include this amount in your RCP but would disclose this 401(k) to the IRS when completing the 433-A (OIC) but note to the IRS that your residual amount (net of loan) is inaccessible and show proof of inaccessibility from your 401(k) provider.
@sl3724
@sl3724 Жыл бұрын
Does having an IRA account disqualify you?
@LoganAllec
@LoganAllec Жыл бұрын
Nope. It all depends on the figures. Sometimes we make the argument that the taxpayer is older and Social Security won't cover their living expenses for the remainder of their life expectancy and so it would create a hardship to demand they pay their taxes from their IRA. Even for younger folks. it all depends on the balance of the IRA vs. the liability.
@yorocco1
@yorocco1 2 жыл бұрын
Thanks. Helpful. I have a question. I don’t have tax returns for 2015, 16, 17 and 19 because I had a health crisis in 2014 and was unable to work and subsequently had to go on disability. I simply didn’t make enough to file. Is this considered “missing tax returns”? Also, I am confused about estimated taxes. If I could have paid estimated taxes, I wouldn’t be asking for an offer in compromise.
@LoganAllec
@LoganAllec 2 жыл бұрын
If you did not have a filing requirement for certain years, you don't have to file those years. Those years aren't considered "missing" because they weren't required to be filed in the first place. Your offer in compromise is for already-assessed tax debt (i.e. back taxes), not for tax debt for the current or future years. In order to not default on your offer in compromise for your back taxes, you need to stay in compliance (both in terms of filings and payments) for your current and future tax debt for at least five years.
@MrScrappydue
@MrScrappydue Жыл бұрын
I sold on eBay back in 2017 and I didn’t do taxes. I owed $1,500 but now it’s up to $3,000 for interest and penalties. I thought of calling and asking if they would accept the original amount since I’m on SSDI. Do you think that’s okay? I don’t have any assets like a car but I do have 4K in the bank. I really need a car but I want to take care of this debt first.
@LoganAllec
@LoganAllec Жыл бұрын
So the IRS filed your 2017 return for you?
@MrScrappydue
@MrScrappydue Жыл бұрын
@@LoganAllec I assume that’s what they did. I basically said I paid for those comics and paid shipping. It’s just thousands of sales that I don’t know how to add up and no tax man wanted my case. But out of the $25K I made, I’d say it was actually about 5-7K I may have earned. I had asked PayPal if I’d have to pay taxes but I asked in May and what I should have asked, will I ever have to pay taxes. That was my ignorance.
@lunaroja32
@lunaroja32 2 жыл бұрын
Hi, do you have any insight on having a previous installment agreement and you do get approved? Do they take into account what you’ve paid? Does one have to do a separate offer in compromise for separate tax years or would one cover prior years of tax due? Thanks!
@LoganAllec
@LoganAllec 2 жыл бұрын
Hi Martha. Those are great questions. Your installment agreement goes on pause while your offer in compromise is being considered. If your offer is accepted, you obviously don't have to pay that installment agreement anymore. An offer in compromise by nature settles *all* of a taxpayer's tax debt for all years they owe - there is not a separate one for each year. Yes, they take into account what you paid in previous installment agreements in calculating the total balance you are compromising with your offer.
@inspirationalrelaxation6694
@inspirationalrelaxation6694 2 ай бұрын
Hi I just came across your video I have a question? My house is paid off and is worth about $400,000. I am retired living of social security. Will I qualify for a OIC? thank you
@g357iamthetacticaltrucker5
@g357iamthetacticaltrucker5 3 жыл бұрын
I have just received the paperwork for the offer in compromise, but was told if my offer is rejected the 20% of what I offer down is NOT put towards the debt. It's kept by IRS if they deny offer, how is this allowed? This is robbery !
@LoganAllec
@LoganAllec 3 жыл бұрын
The 20% of what you offer is certainly applied to the debt. See www.irs.gov/taxtopics/tc204/ under Payment Options > Lump Sum Cash Offer: "The 20 percent payment is generally nonrefundable, meaning it won't be returned to the taxpayer even if the offer is rejected or returned to the taxpayer without acceptance. Instead, the 20 percent payment will be applied to the taxpayer's tax liability. The taxpayer has a right to specify the particular tax liability to which the IRS will apply the 20 percent payment."
@g357iamthetacticaltrucker5
@g357iamthetacticaltrucker5 3 жыл бұрын
@@LoganAllec Thanks, so the IRS rep lied, how can I contact you for services
@LoganAllec
@LoganAllec 3 жыл бұрын
@@g357iamthetacticaltrucker5 So these videos have brought in more work than I could have anticipated and I am completely booked. But I've vetted a few other CPAs and the one I trust the most for tax resolution is James Cha james@aceplustaxresolution.com - go ahead and email him and let him know I sent you. Thanks.
@LukeSkywaker
@LukeSkywaker 3 жыл бұрын
How much will your service cost?
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Luke. This depends on a variety of factors. We generally give a quote in our initial free consultation.
@KBELL28
@KBELL28 3 жыл бұрын
656 booklet states that you don’t have to pay monthly installments while OIC is being processed. Is this correct?
@LoganAllec
@LoganAllec 3 жыл бұрын
If you qualify for low-income certification (see 20:07 for what this means) you do not have to submit any payments until your offer is accepted. So in that case, no, you don't have to pay monthly installments while the offer is being evaluated. If you do not qualify for low-income certification and you are paying over 24 months (periodic payment offer), you must continue to make monthly payments while the IRS is evaluating your offer (see page 5 of Form 656 Booklet). If you do not qualify for low-income certification and you are paying over five months (lump sum cash), you must submit a 20% down payment with your offer but do not have to make further payments while the IRS is evaluating your offer.
@expatron
@expatron Жыл бұрын
Great Video, thank you. Just a couple of questions regarding OIC. First I am a 69 year old expat and have been living in Thailand for the past 8 years, will this affect my chances of getting approved? Second, I have just recently submitted my 2022 1040 along with a request for a ITIN for my spouse, they have received it, however the return has not been processed, do I need to wait until it's processed?
@ev7991
@ev7991 3 жыл бұрын
Do you pay monthly before they sent accepted letter ? they cashed the first check with applications?
@LoganAllec
@LoganAllec 3 жыл бұрын
With the lump sum cash offer, you must make a 20% down payment with your offer. Then you can wait until your offer is accepted. With the periodic payment offer, you must make monthly payments while the IRS is considering your offer. Note that these requirements are waived if you qualify for low-income certification as described at 20:07.
@crowmoon9922
@crowmoon9922 2 жыл бұрын
Thank you so much for this! So I am at the beginning stages of getting together the paperwork for the OIC. In the video you said after sending out your OIC continue making monthly payments, however, I haven't made any payments yet bc I cannot afford to do so at this time. Do I just wait the 6 months for a response? I owe a little over $1900 Thank you so much!
@LoganAllec
@LoganAllec 2 жыл бұрын
Hi. Are you referring to payments for the offer in compromise or to payments under an existing installment agreement? Also, which kind of offer are you submitting - lump sum or periodic payment?
@crowmoon9922
@crowmoon9922 2 жыл бұрын
@@LoganAllec oh gosh, I'm so sorry I did not specify. I am talking about the payments for the OIC & for periodic payments. Thank you!
@LoganAllec
@LoganAllec 2 жыл бұрын
@@crowmoon9922 You must submit your first monthly payment under the terms of the offer along with your offer and continue to make payments under the terms of the offer while the IRS is considering your offer. Note that these amounts are payments of tax and will be applied to your balance *even if* the IRS rejects your offer. As that webpage says, you have the right to designate which tax year you want each payment to go to. It's generally a good idea to designate your payments to the newest tax years in case the IRS rejects your offer. There is a big exception if you qualify for low-income certification, in which case you do NOT need to make monthly payments while the IRS is considering your offer. If the IRS accepts your offer, your first payment is due 30 calendar days after the acceptance. See on page 3 (PDF page 5) of the Form 656-B: www.irs.gov/pub/irs-pdf/f656b.pdf - see under Payment Options > Periodic Payment Hope that helps!
@crowmoon9922
@crowmoon9922 2 жыл бұрын
@@LoganAllec thank you so very much Logan! You're a doll. 😊 it's people like you that we need more of in this world. Your wealth of knowledge and generosity are thoroughly appreciated.
@nancygumtow4017
@nancygumtow4017 3 жыл бұрын
Will the IRS take out whatIcwe in taxes with the money I paid on my unemployment from last year ?
@spazzulu3802
@spazzulu3802 3 жыл бұрын
Yes.
@gerrygrzywinskl6135
@gerrygrzywinskl6135 3 жыл бұрын
Love watching your video
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Gerry!
@brendacissney7245
@brendacissney7245 3 жыл бұрын
Thank you Logan God bless you an your family.
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Brenda!
@brendacissney7245
@brendacissney7245 3 жыл бұрын
Logan you are welcome
@JeradGardnerOffical
@JeradGardnerOffical 3 жыл бұрын
Can I factor in owed debts from my closed bussiness that has the tax debt in my oic? Such as vendor debt, SBA loan, utilities owed, other loans, rent owed, ect?
@ann7856
@ann7856 2 жыл бұрын
Can they collect when you are on disability
@LoganAllec
@LoganAllec 2 жыл бұрын
Unfortunately, yes, they can. They can no longer *automatically* levy disability payments, but they can still manually levy them.
@fernandotejeda2238
@fernandotejeda2238 3 жыл бұрын
If I co-signed for someone do I still have to list it under properties or assets even is someone else is making the payments on the vehicle?
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Fernando. Thanks for the question. The answer is no, you wouldn't include this asset under properties or assets since you are not on title for the vehicle. You cosigned, but you are not an owner, so it's not your asset.
@fernandotejeda2238
@fernandotejeda2238 3 жыл бұрын
@@LoganAllec thank you for getting back to me. I guess I need to amend my offer if that’s even possible because I listed it as an asset since my name is on the loan.
@vickigrilli4822
@vickigrilli4822 3 жыл бұрын
Great video, sounds like right up my alley!
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Vicki!
@renescootz
@renescootz 3 жыл бұрын
Thank you
@LoganAllec
@LoganAllec 3 жыл бұрын
You're welcome, Rene!
@madamec2304
@madamec2304 2 ай бұрын
I am.calling you MONDAY !
@LoganAllec
@LoganAllec Ай бұрын
How did your call go?
@madamec2304
@madamec2304 Ай бұрын
@@LoganAllec it was superb ! I will call back to start this process both Chris and Mary were great !
@Phantom.1
@Phantom.1 3 жыл бұрын
Fantastic!
@LoganAllec
@LoganAllec 3 жыл бұрын
Thank you!
@markdoyle777
@markdoyle777 3 жыл бұрын
Great video, Logan!! Hope to be hiring you soon to help me with my back taxes.
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Mark! Email me anytime!
@justinneale9405
@justinneale9405 3 жыл бұрын
Thank you Logan, god bless good video.
@LoganAllec
@LoganAllec 3 жыл бұрын
You're welcome, Justin!
@justinneale9405
@justinneale9405 3 жыл бұрын
Awesomely Logan.
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Justin!
@justinneale9405
@justinneale9405 3 жыл бұрын
@@LoganAllec hey Logan hope your OK, hope the family is well.
@LoganAllec
@LoganAllec 3 жыл бұрын
@@justinneale9405 Thanks, spending a lot more time with them these days!
@justinneale9405
@justinneale9405 3 жыл бұрын
@@LoganAllec cool
@PeteTaylorRealtor
@PeteTaylorRealtor 3 жыл бұрын
Excellent information. Logan, you the man. Appreciate you giving your expertise.
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Pete!
@machinary20
@machinary20 3 жыл бұрын
Good, this a good topic logan. Good idea, I do not owe the Irs, but I owe the unemployment and they take my refunds. Could you and youre people help
@05leena10
@05leena10 Жыл бұрын
Filed separately. Deceased spouse's have Federal lien
@robertbridge2629
@robertbridge2629 3 жыл бұрын
well done
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Robert!
@eramirez4736
@eramirez4736 3 жыл бұрын
I used the OIC pre-qualifier online and got Option 1: Pay $200 within 5 months Option 2: Pay $200 over a 6-24 month period Did i do something wrong
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Estefania. I can't really speak to your individual situation or the accuracy of your inputs into the pre-qualifier.
@charleabythesea
@charleabythesea 8 ай бұрын
Thank you
@joyceroberts8566
@joyceroberts8566 3 жыл бұрын
Logan Help!!
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Joyce. What do you need help with?
@susanpeters1628
@susanpeters1628 3 жыл бұрын
I hold Power of Attorney for a friend in prison. His income is about $500 per month. Can I file an Offer of Compromise for him with an offer of zero?
@k-onrocks2303
@k-onrocks2303 3 жыл бұрын
Hi Logan, very good and valuable information for people who owe back taxes! It's great for you to go into great detail, explaining options and requirements for offer and compromise, with the IRS! I'm sure this video will help a lot of people, who find themselves in this situation! I will share this video, if I hear of someone in this situation, who could use your help! I learned a lot from watching this video 👍! I hope you have a very good Friday! Kathy from Houston 🤠🙏🏻💖🇺🇸
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Kathy! Thank you! I know a lot of people owe back taxes, so I hope to help them through these videos.
@k-onrocks2303
@k-onrocks2303 3 жыл бұрын
@@LoganAllec That's great! My niece received her package from me, sent to Alabama yesterday! She had a baby girl on April 22nd!! I expect the packages being sent to you should arrive in the next day of so, for Hunter and baby boy#2!! Blessings to everyone!!🤗
@LoganAllec
@LoganAllec 3 жыл бұрын
@@k-onrocks2303 Aw, thank you! We are checking our P.O. box today!
@k-onrocks2303
@k-onrocks2303 3 жыл бұрын
@@LoganAllec your very welcome!! Hopefully, it will arrive today!! 🤗
@robertosavy3018
@robertosavy3018 3 жыл бұрын
Awesome 👍💯👍💯🆒🆒🆒🆒💯🆒💯😎 your house Todd
@LoganAllec
@LoganAllec 3 жыл бұрын
Thanks, Roberto!
@williambowman7244
@williambowman7244 3 жыл бұрын
First yahoo auto notification working right here
@LoganAllec
@LoganAllec 3 жыл бұрын
That's great to hear!
@LukeSkywaker
@LukeSkywaker 3 жыл бұрын
I tried reaching out to you via email, but the address given didn't work. What is your e-mail address? Please give it here in writing.
@LoganAllec
@LoganAllec 3 жыл бұрын
Hi Luke. Thanks for reaching out. I believe you were able to contact me. My email is taxrelief @ loganallec.com
@admperry1
@admperry1 2 жыл бұрын
Thank you, Logan. I will need your help this upcoming tax year for 2022. I have been a Gig worker, (1099) delivery driver and care driver. I am saving as many receipts and each month calculating my earnings and expenses. Not sure when I should contact you, to pull this altogether... :) I'll call the number above!
@lostandlooking
@lostandlooking 3 жыл бұрын
I am 30, homeless, no assets nor income. I live in Mexico doing volunteer work in exchange for room and board. I received a CP2000 stating that I owe 21K from 2019. In 2019, I was living in Latin America and discovered dropshipping. I had over 50K in sales in about 45 days and had no idea what I was doing. I was oblivious to paying taxes and it was online and I was not living in the USA.
@LoganAllec
@LoganAllec 2 жыл бұрын
Hi Lost and Looking. You sound like someone we can help. Book a call at choicetaxrelief.com/free-consultation/
@wendyschmidt4339
@wendyschmidt4339 3 жыл бұрын
💕🌹🙏🏻 Thank you
@LoganAllec
@LoganAllec 3 жыл бұрын
You're welcome, Wendy!
@johnpierson9801
@johnpierson9801 3 жыл бұрын
Toilet 🚽
@LoganAllec
@LoganAllec 3 жыл бұрын
💩
@rogerreyes9768
@rogerreyes9768 2 жыл бұрын
I want to contact you.
@LoganAllec
@LoganAllec 2 жыл бұрын
Hi Roger! Please email me at logan.allec@choicetaxrelief.com
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