Lothamer Tax Resolution

Debt-Relief · Ohio

Rating: 3.8/5

Lothamer Tax Resolution logo

Tax resolution company specializing in IRS debt settlement, unfiled returns, and wage garnishment relief through licensed tax professionals and enrolled agents.

Official Website

https://lothamer.com

Lothamer Tax Resolution Review

Lothamer Tax Resolution is a tax debt resolution company that helps individuals navigate complex tax problems with the IRS and state tax authorities. The company positions itself as an experienced provider of tax relief services, claiming to serve clients nationwide with professional assistance for various tax-related issues.

Lothamer's core service offering includes resolving back taxes and unpaid tax debt, handling unfiled tax returns and missing records, addressing wage garnishments and bank levies, and representing clients before IRS collection officers and auditors. The company employs licensed Enrolled Agents and tax professionals to provide consultation and case management. Their process, branded as the "Roadmap to Resolution," involves immediate collection stay requests, IRS transcript retrieval within 24 hours, and virtual consultation meetings scheduled within 3 days.

The company differentiates itself through its proprietary technology platform for case management and secure video conferencing, claiming to provide "same day tax help" and real-time case update emails to clients. They emphasize bilingual support (Spanish language services) and advertise a consultative approach with individualized financial assessment and resolution design for each client.

Based on available website information, the company appears to operate as a legitimate tax resolution firm with standard industry practices. However, potential clients should note that the website contains incomplete content (text cuts off mid-sentence), and specific pricing information, detailed service terms, and regulatory compliance documentation are not provided on the visible website content. As with any debt relief service, consumers should verify licensing of professionals and understand fees before engaging services.

Pros & Cons

Reader-focused summary of the strongest reasons to consider Lothamer Tax Resolution and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.

Pros

  • ✓Licensed Enrolled Agents and tax professionals providing consultation, not unlicensed representatives
  • ✓Same-day collection stay requests to protect income from garnishments and levies
  • ✓IRS transcripts retrieved within 24 hours to provide comprehensive case analysis
  • ✓Virtual consultation options for convenient, privacy-protected meetings
  • ✓Bilingual services available (Spanish language support advertised)
  • ✓Real-time case update emails to keep clients informed of IRS interactions
  • ✓Handles multiple tax problem types including audits, collection notices, and unfiled returns

Areas to Consider

  • !Website content is incomplete and cuts off mid-sentence, suggesting outdated or poorly maintained web presence
  • !No pricing information, fee structure, or cost transparency displayed on website
  • !No information provided about regulatory licenses, credentials verification, or compliance certifications
  • !No discussion of limitations, failure rates, or situations where relief may not be possible
  • !Customer testimonials are limited and lack specific outcome details (amounts owed, resolutions achieved)

Verdict Summary

Lothamer Tax Resolution works best for consumers who value licensed enrolled agents and tax professionals providing consultation, not unlic and can accept the tradeoff of website content is incomplete and cuts off mid-sentence, suggesting outdated or . Compare against similar providers below before signing any contract.

Services & Features

Services offered

Feature Checklist

✗Credit Monitoring
✗All Three Bureaus
✗Goodwill Letters
✗Cease Desist Letters
✗Debt Validation
✗Credit Education
✗Identity Theft Protection
✗Score Tracking
✗Mobile App
✗Online Portal
✗Personal Advisor
✗Ai Powered

Best For

Before You Contact Lothamer Tax Resolution

Before signing up with any Debt Relief provider, review these safeguards:

Compare Your Needs With Lothamer Tax Resolution

Match these decision factors against Lothamer Tax Resolution's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Debt Relief providers.

Category

Debt Relief

Service scope

12 services listed

Geographic coverage

1 states

Match to your priorities

  • ●
    Budget priority: Pricing published above — factor in setup, monthly, and cancellation fees over the full expected service window.
  • ●
    Complexity priority: Consider Lothamer Tax Resolution's stated strengths (Licensed Enrolled Agents and tax professionals providing consultation, not unlicensed representatives) against your specific credit situation.
  • ●
    Timeline priority: Debt Relief typically takes 3-6 months for meaningful outcomes. Providers guaranteeing overnight results are red flags under federal consumer protection law.
  • ●
    Recourse priority: Confirm state licensing via your state regulator and check the CFPB complaint database before contracting.
  • ●
    Alternatives: Compare against all Debt Relief providers, DIY options via non-profit counseling agencies, and free CFPB resources.

Pricing

  • Monthly Price: 0
  • Setup Fee: 0
  • Money Back Guarantee: False
  • Guarantee Details:
  • Free Consultation: True
  • Tiers: []
  • Currency: USD

Frequently Asked Questions

What services does Lothamer Tax Resolution offer?

Lothamer Tax Resolution offers 12 services including Unfiled tax returns preparation and submission, Back tax and unpaid tax debt resolution, IRS and state collection notice representation, Wage garnishment and bank levy relief, IRS and state audit representation, and 7 more. Confirm current service list directly with the provider before contracting.

Who is Lothamer Tax Resolution best suited for?

Lothamer Tax Resolution's profile signals suggest it may fit: Individuals with significant IRS back tax debt seeking professional negotiation and representation; People experiencing active wage garnishments or bank levies needing immediate collection relief; Taxpayers with unfiled returns and complex tax histories requiring professional guidance; Spanish-speaking consumers seeking bilingual tax resolution support. Individual outcomes vary based on your specific situation.

What are the strengths and weaknesses of Lothamer Tax Resolution?

Key strengths: Licensed Enrolled Agents and tax professionals providing consultation, not unlicensed representatives; Same-day collection stay requests to protect income from garnishments and levies; IRS transcripts retrieved within 24 hours to provide comprehensive case analysis. Areas to consider: Website content is incomplete and cuts off mid-sentence, suggesting outdated or poorly maintained web presence; No pricing information, fee structure, or cost transparency displayed on website.

How does Lothamer Tax Resolution compare to similar companies?

In the Debt Relief category, comparable providers include Family Credit Management Services, Accredited Debt Relief, Achieve (Freedom Debt Relief). Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Where does Lothamer Tax Resolution operate?

Lothamer Tax Resolution serves customers in 1 states including Ohio. Confirm current service availability in your state directly with the provider.

How much does Lothamer Tax Resolution cost?

Listed pricing for Lothamer Tax Resolution: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.

Visit Lothamer Tax Resolution

State Consumer Finance Context

This is state-level context for Debt Relief consumers in Ohio. It does not confirm that Lothamer Tax Resolution or this specific location is licensed.

State regulator: Ohio Department of Commerce Division of Financial Institutions
Consumer protection: Ohio Attorney General Consumer Protection Section

Credit and debt help rules in Ohio

Key state rules to check

Payday lending in Ohio: Restricted (max $1000)

Usury cap: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury

Complaint resources

State references

Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.

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Related Questions

Quick Summary

Lothamer Tax Resolution — Debt Relief in Ohio.

Overall rating: 3.8/5

Tax resolution company specializing in IRS debt settlement, unfiled returns, and wage garnishment relief through licensed tax professionals and enrolled agents.

Visit Lothamer Tax Resolution

Next Steps

  1. Compare Lothamer Tax Resolution against similar options above.
  2. Run our borrowing power quiz to see how Lothamer Tax Resolution matches your situation.
  3. Check state regulator listings for Lothamer Tax Resolution's licensing before committing.
  4. Visit Lothamer Tax Resolution once you're ready.

Glossary of Terms

Common terms that come up when comparing Debt Relief providers. Full glossary at creditdoc.co/glossary/.

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
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.
Why it matters: 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.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
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.
Why it matters: 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.
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters: 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.
Charge-Off
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.
Why it matters: 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).
Collections — Debt Collections
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.
Why it matters: 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.
Debt Consolidation
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.
Why it matters: 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.
Debt Settlement — Debt Settlement / Negotiation
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.
Why it matters: 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.
Default — Loan Default
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.
Why it matters: 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).
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters: 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.
FDCPA — Fair Debt Collection Practices Act
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.
Why it matters: 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.
Garnishment — Wage Garnishment
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.
Why it matters: 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.
Installment Loan
A loan you repay in fixed monthly payments over a set period — typically 12 to 60 months. Each payment covers part of the principal plus interest. Personal loans, auto loans, mortgages, and student loans are all installment loans.
Why it matters: Installment loans are the most common way Americans borrow money. Unlike revolving credit (credit cards), installment loans have a clear end date and predictable payments. Making on-time installment payments builds yo...
Example: You borrow $5,000 as a personal installment loan at 12% APR for 36 months. Your fixed monthly payment is $166. After 36 payments totaling $5,978, the loan is paid off. You paid $978 in interest but built 36 months of positive payment his...
Judgment — Court Judgment (Debt)
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.
Why it matters: 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.
Statute of Limitations — Statute of Limitations (Debt)
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.
Why it matters: 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.
Amortization — Loan Amortization
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Why it matters: Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example: Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.