Tax debt resolution law firm representing individuals and businesses before the IRS and state agencies to resolve tax debts, garnishments, and levies.
Editorially reviewed by Harvey Brooks
Dickmann Tax Group is a Denver-based tax debt resolution law firm founded in 2013 by Kyle Dickmann, a licensed attorney who graduated from Delaware Law School. The firm operates nationwide, representing individuals, families, and small businesses before the IRS and state tax agencies. It holds a BBB A+ rating and has been BBB-accredited since its founding year. Unlike many tax relief companies staffed primarily by non-attorney enrolled agents, Dickmann was built around attorney oversight from day one, with Kyle Dickmann citing frustration with large national firms that charge excessive fees as the impetus for launching a more accessible practice.
The firm's core offering is IRS tax debt resolution through every major resolution pathway: Offer in Compromise (all three OIC types), standard and partial-pay installment agreements, penalty abatement, first-time abatement, and Currently Not Collectible status. For clients in active collection, the firm handles wage garnishment and bank levy releases. Beyond resolution, Dickmann provides IRS legal representation, innocent spouse relief, Colorado CDOR state levy defense, back tax return preparation, bookkeeping for small businesses, and ongoing tax planning and consulting. The firm also staffs multiple Enrolled Agents — including Stacy, Brian, Kevin, Casey, and Todd — all EA-certified, with credentials dating back to 2003.
Dickmann's clearest differentiator is its attorney-led structure at a price point positioned well below large national competitors like Optima Tax Relief or Tax Defense Network. Kyle Dickmann has stated explicitly that the firm was built to deliver effective IRS representation at a budget-friendly price. The firm advertises a written satisfaction guarantee tied to its BBB accreditation, and its 5.0/5 Google rating across 102 reviews reflects consistent client satisfaction. Reviews repeatedly describe pricing as reasonable and service as personalized — a contrast to the assembly-line feel clients often report from larger chains.
The firm's main limitation is transparency: no pricing is published online, requiring direct contact for a custom quote and making upfront cost comparison impossible. There is no online client portal for document upload or case tracking, and no mobile app. The specific terms of the written guarantee — whether it includes refunds and under what conditions — are not publicly disclosed. Clients who prefer self-service digital tools or need immediate fee clarity before engaging will find this firm less accommodating than some alternatives.
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Company advertises a written satisfaction guarantee backed by BBB accreditation. Specific refund conditions and timelines are not publicly disclosed — contact provider for details.
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Yes. Dickmann Tax Group is a registered company headquartered in Denver, CO, founded in 2013. They hold a A+ rating with the Better Business Bureau and are BBB-accredited.
Dickmann Tax Group plans start at Free per month with no setup fee. Company advertises a written satisfaction guarantee backed by BBB accreditation. Specific refund conditions and timelines are not publicly disclosed — contact provider for details.
CreditDoc Diagnosis
Dickmann Tax Group is genuinely well-suited for individuals and small businesses with active IRS or state tax debt who need qualified legal representation without the inflated fees of large national firms. The attorney-founded structure, multiple credentialed EAs, and 13-year BBB A+ track record set it apart from non-attorney tax relief shops. The primary caveat is full pricing opacity — there are no published rates and no online portal, so clients must engage by phone before understanding costs, which makes upfront comparison shopping difficult.
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Whether you're recovering from bankruptcy, divorce, job loss, or years of debt, here's a practical roadmap for rebuilding your financial life.
Read guide →Compare the three most effective debt payoff methods with real examples. Find the strategy that matches your personality and financial situation.
Read guide →When you're retired, disabled, or on a fixed income, debt feels impossible. Here's a realistic plan that doesn't pretend you can just 'earn more.'
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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