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Diego Rojas

Received SETC Pros invoice requesting upfront tax payment - is this legitimate?

I recently applied for loan relief through SETC Pros about a week ago. Today I received an email saying I was approved for $5600 in relief, but they're telling me I need to pay $890 upfront because I supposedly still owe partial taxes from this year. This seems fishy to me. I wasn't expecting to pay anything upfront when I applied. Has anyone else dealt with SETC Pros before? Is this a legitimate request or am I being scammed? I really need the loan relief but I'm hesitant to send money before receiving any benefits. The email looks official with their logo and everything, but I know scammers can fake that stuff easily.

This sounds like a classic advance-fee scam. Legitimate tax relief companies don't typically require large upfront payments before providing any services, especially not with the explanation that you "still owe part of the taxes." SETC Pros isn't a well-known tax relief provider in the industry. For tax relief services, you should look for companies with established reputations and clear service agreements. Always check if they're accredited with professional organizations or have verified reviews. If you're seeking tax relief, I would recommend contacting the IRS directly about payment plans or offer in compromise options. They have several programs for taxpayers struggling with tax debt that don't require upfront fees.

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Thanks for your response. How would I go about contacting the IRS directly? Every time I've tried calling I just get stuck in their automated system forever. Do they have a specific department that handles these requests?

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The IRS has specific hotlines for taxpayer assistance. For payment plans, you can call their dedicated installment agreement line at 800-829-1040. Be prepared for wait times, especially during tax season. If you're struggling with serious tax debt, look into their Offer in Compromise program, which allows you to settle your tax debt for less than the full amount. You can find forms and information on IRS.gov under "payment plans & installment agreements.

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Zara Ahmed

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I went through something similar with tax relief services last year. Instead of paying anyone to help me with my tax issues, I found this AI tool called taxr.ai that really saved me a lot of headache. I was skeptical at first but it helped me understand my tax situation much better than some of these sketchy "relief" companies. I uploaded my tax documents to https://taxr.ai and it analyzed everything and showed me exactly what my options were for handling my tax debt legally. It even helped me draft a proper installment agreement request that I submitted directly to the IRS. No upfront fees like what you're describing.

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StarStrider

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Does this AI thing actually work with the IRS directly? Or does it just give you information? I'm curious because I've been looking for help with some back taxes too.

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Luca Esposito

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I'm always skeptical of these online tools. How does it protect your sensitive tax info? Seems risky to upload all your financial documents to some random website.

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Zara Ahmed

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It doesn't file directly with the IRS - it analyzes your documents and helps you understand your options, then gives you the completed forms and instructions for submitting them yourself. This gives you more control and saves money compared to paying a third party. Regarding security, they use bank-level encryption for all uploaded documents and don't store your information permanently. You can also delete everything after you're done. I was concerned about that too, but their privacy policy was pretty reassuring and they're SOC 2 compliant.

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Luca Esposito

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I tried taxr.ai after seeing it mentioned here and I have to say I'm impressed! I was really suspicious at first (especially after almost falling for one of those "tax relief" scams), but it actually helped me identify several deductions I missed on my previous returns. The document analysis was surprisingly thorough and it flagged that I was eligible for an amended return that got me back an additional $740. The interface was straightforward even for someone like me who gets confused with tax jargon. Definitely a better option than paying some random company hundreds upfront!

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Nia Thompson

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If you're trying to reach the IRS about tax issues, good luck with those endless phone queues! After wasting 3+ hours on hold last month, I finally tried https://claimyr.com and it was a game-changer. They hold your place in the IRS phone queue and call you back when an agent is about to answer. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c Saved me from that horrible hold music and let me actually get my questions answered by a real IRS agent. Turns out I didn't even need a "relief" company - the IRS agent helped me set up a payment plan directly. Most of these tax relief companies are just middlemen charging huge fees for something you can do yourself.

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How does this actually work though? Do they somehow have special access to the IRS phone lines? Seems too good to be true tbh.

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Yeah right. Nobody gets through to the IRS these days. I've tried calling at least 10 times this year and always get disconnected after waiting forever. If this service actually worked, everyone would be using it.

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Nia Thompson

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They don't have special access to the IRS - they use an automated system that waits on hold for you. When their system detects that an agent is about to pick up, it calls you and connects you to the IRS call. It's basically like having someone else wait on hold for you. It definitely works - I was skeptical too. The IRS is notorious for long wait times, especially during tax season. Their system just navigates the phone tree and waits through the hold time so you don't have to. I was able to talk to an actual IRS representative and get my payment plan set up in under 10 minutes once connected.

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Alright I need to apologize and set the record straight. After my skeptical comment, I decided to try Claimyr anyway because I was desperate to resolve my tax situation. It actually worked! Got a call back after about 40 minutes and was connected directly to an IRS agent. The agent confirmed what others here were saying - these "tax relief" companies often charge hundreds or thousands for services you can get directly from the IRS for free. Got set up with a reasonable payment plan and didn't have to pay any ridiculous upfront fees. Saved myself from potentially falling for the same kind of scam you were asking about.

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Ethan Wilson

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SETC Pros sounds super sketchy! I work in banking and we see these tax relief scams all the time. Real tax resolution doesn't work like that - no legitimate tax company will ask for large upfront payments claiming it's for "taxes you still owe." The IRS will NEVER require you to pay a third party. All tax payments go directly to the Treasury. If you owe taxes, you'll get official notices directly from the IRS, not emails from relief companies. Please don't send them money!

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Diego Rojas

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Thanks for this info. I ended up not paying them and reported the email to the FTC fraud website. Do you know if there's any way to get removed from their contact list? I'm worried they'll keep trying different tactics.

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Ethan Wilson

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Good decision reporting them to the FTC. To get removed from their contact list, first reply to their email with a clear statement requesting removal from their database and to cease all communication. Use the phrase "Do not contact me further" and reference that you've reported them to the FTC. Then block their email address in your email settings. Also check if the email has an unsubscribe link, though be cautious as sometimes scammers use fake unsubscribe links to verify active emails. If they continue contacting you, maintain records of all communication for potential future complaints.

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NeonNova

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hey just so u know my cousin fell for something similar with a diffeent company. they took the "upfront fee" and then kept making excuses about why the loan relief wasnt coming through. eventually they ghosted him completely and he lost like $1200. these tax relief places are mostly scams imo.

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Yuki Tanaka

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Same thing happened to my neighbor! She paid almost $2000 to some tax relief place and they basically just set up a payment plan with the IRS that she could have done herself for free. These companies are predatory.

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Lourdes Fox

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This is definitely a scam - I've seen this exact pattern multiple times. Legitimate tax relief services don't operate this way, and the IRS has clear guidelines about how payments should be made (directly to them, not through third parties). A few red flags here: 1. Demanding upfront payment before any services are provided 2. The explanation about "partial taxes still owed" doesn't make sense in this context 3. SETC Pros isn't a recognized name in legitimate tax resolution If you genuinely need help with tax issues, start with the IRS's own resources. They offer payment plans, hardship programs, and even an Offer in Compromise program for qualifying taxpayers. You can access all of this information at IRS.gov or call their taxpayer assistance line directly. Don't send them any money - block their communications and consider reporting this to the FTC's fraud reporting website. These scammers often target people who are already struggling financially, which makes it even more predatory.

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Levi Parker

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Thank you for this comprehensive breakdown! As someone new to dealing with tax issues, it's really helpful to see the specific red flags laid out like this. I had no idea the IRS offered hardship programs - that's definitely something I should look into for my own situation. The predatory nature of these scams targeting people who are already struggling financially is just disgusting. It's bad enough dealing with tax problems without having to worry about getting scammed on top of it. I'm definitely going to bookmark the IRS.gov resources you mentioned.

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