Orlando is home base — Peter Kici, Enrolled Agent, has represented Central Florida taxpayers before the IRS from right here for years, and Orlando residents make up the largest share of clients at Tax Debt Relief Group. Whatever stage your IRS problem is at, from a first notice to a levy to years of silence you’re not sure how to break, you’re talking to someone who works these cases daily.

If You Owe the IRS in Orlando, Start With the Numbers the IRS Will Use on You

Updated October 5, 2026

If you owe the IRS and can’t pay in full, the IRS does not look at your real budget first. It starts with its own published living-expense standards for your county. Those standards decide how much of your income the IRS thinks you can send to it each month. Knowing them before you pick up the phone is the difference between an agreement you can keep and one that breaks.

Peter Kici, Enrolled Agent, leads every case at Tax Debt Relief Group. Enrolled agents are licensed by the Department of the Treasury to represent taxpayers before the IRS. We are not attorneys.

Free consultation | Call (407) 531-8705

What the IRS Allows for Housing and Utilities in Orange County (2026)

These are the IRS Collection Financial Standards, effective June 29, 2026.

Household size	Orange County monthly allowance
1 person	$2,089
2 people	$2,454
3 people	$2,586
4 people	$2,883
5 or more	$2,930

What the figure covers: rent or mortgage, property taxes, interest, insurance, maintenance and repairs, gas, electric, water, garbage, home and cell phone, cable and internet.

How the IRS applies it: you are allowed the standard amount or what you actually spend, whichever is less. If you spend more than the standard, you must document that the extra is a necessary living expense.

Family size is generally the number of exemptions on your most recent return.

Source: IRS, Local Standards: Housing and Utilities, Florida (irs.gov).

Neighboring Counties (2026, family of 1 / family of 3)

County	1 person	3 people
Orange	$2,089	$2,586
Seminole	$2,060	$2,549
Osceola	$1,938	$2,398
Lake	$1,884	$2,332
Brevard	$1,877	$2,323

What the IRS Allows for a Car (2026)

Source: IRS, Local Standards: Transportation, effective June 29, 2026.

Orlando and Orange County are not in one of the IRS’s named metro areas (the Florida ones are Miami and Tampa), so the South region operating-cost figure applies: $291 a month for one car, $582 for two. For comparison, Tampa is $320 and Miami is $423.
If you have a car loan or lease, the IRS allows the lesser of your actual payment or its ownership-cost standard ($703 a month for one car, $1,406 for two). With no payment, ownership cost is $0.
If you own no vehicle, the IRS allows a flat public-transportation amount of $220 a month per household.
Same rule as housing: the lesser of the standard or what you actually spend; anything over needs proof.

If the IRS Has Sent a Notice of Intent to Levy (CP504)

Source: IRS, Understanding your CP504 notice.

A CP504 is the IRS’s Notice of Intent to Levy under Internal Revenue Code section 6331(d). It says that if you don’t pay or arrange a plan, the IRS can levy wages, bank accounts and your state refund, and can seize other property.
The IRS can also file a Notice of Federal Tax Lien.
Options the IRS lists: pay in full, set up a payment plan, call the number on the notice if you disagree, or ask for an appeal under the Collection Appeals Program (CAP) before collection happens.
You can authorize a representative with Form 2848.

If a Bank Account Has Been Levied

Source: IRS, Information about bank levies; IRC 6332(c); IRM 5.11.4.

When the IRS levies a bank account, the bank holds the funds for 21 days before sending them to the IRS. That window is the time to ask for a release, so call right away.

What This Means for Your Case

If your rent runs above the allowance, the IRS can still allow it, but only with proof. We build that documentation before the first call.
If your real housing cost is below the allowance, the IRS uses your lower number. That is why the first step is your actual budget, not a guess.
The allowance is one line of a larger financial statement. Peter prepares the whole statement with you so the IRS sees an accurate picture.

Why Orlando Taxpayers Choose Peter Kici, EA

Orlando’s economy runs on a wide mix of small business owners, hospitality and tourism workers, healthcare professionals, and government employees — which means IRS problems here take a lot of different shapes: payroll tax trouble for a small business, 1099 income that never got reported, a wage garnishment hitting a shift-work paycheck. Peter has handled all of it, as a federally licensed Enrolled Agent authorized to represent taxpayers before the IRS at every level, and as a USMC veteran who brings the same discipline to a tax case that he brought to the Marine Corps.

How We Help

Stop a Wage Garnishment or Bank Levy already in motion.
Unfiled Returns — get years of missing filings caught up and compliant.
Negotiate a Resolution — Offer in Compromise, installment agreement, or Currently Not Collectible status.
IRS Audit Representation — you don’t have to speak to them yourself.
Payroll and Business Tax Issues — resolved before they become a personal liability.

Frequently Asked Questions

Do I have to visit an office in Orlando?

No — everything is handled by phone, email, and secure document upload. Being local means Peter understands the Central Florida client base, not that you need to come in person.

What’s the difference between an Enrolled Agent and a CPA for this kind of problem?

An EA is the only credential the Treasury Department authorizes specifically for IRS representation at every level — audits, collections, and appeals — in all 50 states. Many CPAs refer resolution cases like this out; it’s Peter’s core focus.

How fast can a wage garnishment actually be stopped?

It depends on your situation, but once Peter holds Power of Attorney he can often make same-day contact with the IRS to begin the release process.

I’m self-employed and haven’t filed in years — where do I even start?

This is one of the most common calls Peter gets from Orlando’s large self-employed and gig-worker population. The first step is pulling your IRS wage and income transcripts, even if you’ve lost your own records.

Does the IRS use my actual rent or its own number?

The lower of the two. If you spend more than the IRS standard for Orange County, you have to document that the extra is necessary.

Does a lower-cost county change what I pay?

It can. The standards are set by county and household size, so the same budget can be treated differently in Orange, Seminole or Osceola County.

Serving All of Central Florida

Tax Debt Relief Group works with clients throughout the greater Orlando area — everything is handled remotely, so wherever you are in Central Florida, distance is never a barrier:

Chuluota — home base for Tax Debt Relief Group.
Lake Mary — Seminole County’s corporate business corridor; a common source of payroll and business tax questions.
Maitland — the quieter residential-business mix just north of Winter Park.
Oviedo — family-oriented Seminole County community.
Winter Springs — residential Seminole County suburb near the Cross Seminole Trail.
Casselberry — Seminole County, between Winter Park and Winter Springs.
Winter Garden — historic downtown Orange County suburb along the West Orange Trail.
Apopka — growing Orange County suburb northwest of Orlando.
St Cloud — Osceola County, neighboring Kissimmee.
Clermont — Lake County’s lake-and-hills community west of Orlando.
Leesburg — the Lake County seat, with a historic downtown.
Eustis — small historic Lake County town on Lake Eustis.
Tavares — Lake County’s “Seaplane City” on the Harris Chain of Lakes.
Groveland — growing residential Lake County community.

No matter which of these communities you call home, the process is the same: a free, confidential consultation, an honest read on your options, and direct representation before the IRS.

IRS Problems We Handle for Orlando Taxpayers

Whatever brought you here, there is a specific path for it. These are the situations Peter Kici, EA, works on every week for Orlando and the surrounding Central Florida communities:

Not sure which one fits? That is what the free consultation is for. We will tell you honestly which program you actually qualify for.

Get Your Free Consultation Today

Don’t wait for the IRS to escalate. If you’re in Orlando or anywhere in Central Florida, reach out to Tax Debt Relief Group today.

📞 (407) 531-8705

Or schedule your free consultation online. We’ll review your situation and explain exactly what options are available to you — no pressure, no obligation, just clarity.