Optima Tax Relief Review: A Detailed Overview

By J.R. Duren
HighYa Staff
Updated on: Sep 17, 2019

What Is Optima Tax Relief?

Optima Tax Relief is a tax resolution company whose team of tax pros works on your behalf to help resolve your tax debt situation.

In conversations we had with company founder and CEO Dave King, he told us what makes Optima Tax Relief different from other companies is their customer-centered approach.

King told us he founded the company in 2011 after having a negative experience at another tax resolution firm where the bottom line was a big motivation and not the customer.

“I wasn’t quite happy with the integrity and service they provided their clients,” he said. “They weren’t a client-first business.”

He launched Optima Tax Relief with an emphasis on the customer, he said.

In this review, we’ll explain how their process works, talk about the cost and analyze customer reviews and complaints to help you determine if Optima Tax Relief is right for you.

How Optima Tax Relief Works

Quick Facts
Specific Services: Offer in Compromise (OIC), Penalty Abatement, Installment Agreement, Partial Pay Installment Agreement (PPIA), Tax Lien Discharge, Tax Lien Subordination, Tax Lien Withdrawal, Wage Garnishment Release, Bank Levy Release, Innocent Spouse Relief, Currently Non-Collectible, Statute of Limitations, Collection Appeal, and Administrative Appeal

Pros: In business since 2011, large staff (100 tax attorneys, CPA’s and enrolled agents; 550 non-licensed employees), high ratings from reviewers

Cons: Minimum debt requirement, high fees compared to other leading companies

Bottom Line: 88% of reviewers would recommend it to a friend
Minimum Fee Average Fee Minimum Debt
$500 $4,000 $10,000


When you seek out Optima Tax Relief, you’re in a position where you owe the IRS money. In some cases, you’ve got an outstanding tax debt that you’ve yet to pay because you don’t know quite what to do about it.

In other cases, the IRS may be actively pursuing you to pay a debt or they might even be garnishing your wages to pay your debt (the “collections” phase).

Optima Tax Relief exists to help you negotiate the various options available and claim to be the largest tax resolution firm in the industry with more than 100 licensed representatives (tax attorneys, CPA’s and enrolled agents) supported by 550 non-licensed employees. These are the people who will work with you through the Optima’s two-step process.

First, rather than paying a huge sum of money upfront, you’ll pay a smaller fee to have the company investigate your case, which, according to their site, includes the following steps:

  • Establish communication with IRS
  • Review case summary options

Once this investigation is complete—it takes between two and four weeks—Optima will present you with your options as well as a pricing estimate for their services.

If you accept one of the options, it will take between three and nine months to resolve your case.

What Happens to Your Tax Debt?

Resolving your tax situation doesn’t mean that Optima Tax Relief (or any company, for that matter) will make your tax debt disappear.

Rather, their goal is to get you in good standing with the IRS and set you up with any number of IRS-provided solutions that will put you on the path to paying back your tax burden.

The solutions are split into three categories: tax negotiation, tax resolution, and tax settlement.

The first situation includes installment plans, offers in compromise and penalty abatement (getting the IRS to remove fees or penalties incurred for filing late).

The second situation includes a variety of solutions that include tax relief for spouses, ending wage garnishment and criminal tax defense up to a certain amount.

The final situation is when Optima negotiates a settlement with the IRS in which the IRS agrees to take less than what’s owed. These settlements are granted in specific situations, though, and aren’t a guarantee.

This approach means that Optima accepts a wide variety of taxpayers. However, there are certain situations in which Optima may not be able to help you.

According to King, if you’re headed to court for tax fraud or tax evasion, Optima Tax Relief can’t help you.

As far as how much Optima can save you or how much they save, on average, there are no promises, King said.

Each set of resolutions they present customers are based on that customer’s financial picture, as your finances dictate the various options for which you can qualify.

Optima Tax also offers year-round tax "protection” that includes tax filing on your behalf. Prices for this service range from $29.99 to $69.99

Pro tip: You have to have at least $10,000 in tax debt to get their help.

How Much Does Optima Tax Relief Cost?

Optima Tax Relief’s pricing comes in two parts. First, they’ll come up with a flat fee to investigate your case.

The Optima website doesn’t list the investigation fee but, based on customer reviews in the past year, the going rate seems to be around $500.

Then, they’ll present you with the options for which you qualify. Based on the options you choose, Optima will craft a flat fee for their services that is based on how long they anticipate the process taking, King said.

Customers indicated that these costs range anywhere from $1,000 to as much as $20,000. According to estimates from SuperMoney, the average fee for resolving your case is $4,000.

“Most tax pros give you an open-ended contract and they bill per hour,” King said. “Folks make a decision with us knowing what they’ll be charged. They start out understanding how much it will cost for our services.”

Based on our research, there is no set price for an investigation or a resolution. Rather, Optima Tax Relief is giving you the advantage of knowing how much everything will cost upfront.

Also, they aren’t demanding you pay the entire fee upfront but split it into two steps: first, the investigation, then the options.

How Optima Tax Relief’s Fees Compare to Other Companies

To try and give you a picture of how Optima’s fees compare to other companies, we turned to SuperMoney’s estimations of the average and minimum fees that various tax relief companies charge.

Here’s a quick breakdown of the pricing and minimum debt requirement for some of the top tax relief companies according to Consumer Advocate:

Minimum Fee Average Fee Minimum Debt
Optima Tax Relief $500 $4,000 $10,000
Community Tax $250 $3,500 No minimum
Anthem Tax $250 $2,750 $10,000
Tax Defense Network $495 $3,750 $5,000

What we see here is some variation in what each company offers. Community Tax and Anthem Tax have a lower initial fee than Optima and Tax Defense Network. Community Tax is the only company that doesn’t have a minimum debt requirement.

As far as average fees go, Optima is at the top of the range of companies we listed. Remember, though, the average cost of a company's services is just that—it’s not a guarantee of how much your bill will cost.

Each of the companies goes through the same process. You submit your information, they investigate, then come back to you with options for resolution.

Because these companies are relatively similar in their process and, to a certain extent, their pricing, we believe the most effective way to go about choosing the right company for you is to call each one and pay close attention to how you’re treated.

Does the phone rep make a lot of promises? Do they pressure you into paying for their services?

Don’t be forced into a payment you don’t want to make or a decision you aren’t comfortable with.

Do Tax Relief Companies Really Work?

Bonnie Lee, an enrolled agent who runs Sonoma-based tax firm Taxpertise, takes a pretty measured approach to tax resolution companies.

The best ones, she said, are those that exhibit “honesty and integrity” and give you “someone who will explain how the process works, then follow up with you and answer your phone calls and emails.”

She cautioned against using firms that require a large fee upfront before doing any work. Interestingly, she noted that the upstanding companies will always do a financial analysis before giving your options for resolution.

“Before hitting you up with a fee in the thousands of dollars range, they will perform an analysis of your finances to determine the amount the IRS will accept or even if it will accept a smaller offer,” Lee said.

This is something that, based on our research, Optima does.

Our second expert is Craig Smalley, an enrolled agent who is the founder and CEO of Orlando-based tax firm CWSEAPA.

Smalley takes a more negative approach to tax resolution companies. He says that many tax resolution companies are in it for the money.

“It is best to find either an EA or CPA, that doesn’t work for one of these big companies, is familiar with collections, and possibly prepared your tax return in the first place. They will typically do what is in your best interest,” Smalley told us.

Smalley went on to say that he believes firms like his are more customer-centered whereas big companies put profits over solutions that work best for you.

As you can see, both Lee and Smalley own their own tax businesses. They’re both enrolled agents. Yet, they gave us drastically different views of tax resolution companies.

In our opinion, they both make valid points. There are good and bad companies in the tax resolution world—King said precisely the same thing when he talked about why he started Optima.

Making sense of these contrasting opinions can be tough but fruitful. One of the ways to do that is to read through customer reviews from people who actually used Optima, which is what we’ll do next.

Analysis of Optima Tax Relief Reviews and Complaints

At the time of publishing, Optima Tax Relief had more than 330 reviews with an average rating of 4.4 stars. Eighty-eight percent of those who left a rating would recommend the service to a friend.

Pros:

  • Reviewers said the process was easy and that they were grateful.
  • In a couple of situations, Optima Tax Relief was able to lower tax bills by more than 90 percent.
  • Overall, the company received 267 5-star reviews.

Cons:

  • A number of reviewers said that they paid a large sum for post-investigation services only to find out Optima wasn’t able to lower their tax bill.
  • There were 37 1-star reviews.

What’s important to understand about both sides of these reviews is that Optima doesn’t guarantee that they’ll lower your tax bill and they don’t guarantee success.

So, while there are supporters and detractors on both sides of the argument, realize that paying them any amount of money isn’t a guarantee that your tax situation will get fixed.

The Bottom Line: Is Optima Tax Relief Worth It?

In our analysis of this company, we found information that indicates that Optima Tax Relief is different than other tax relief companies.

King, the company’s CEO and founder, said he started the company using a business model that was customer-focused. And, as Lee pointed out, there are legitimate tax relief companies out there.

Yet we also found information that would indicate you may not have a great experience with Optima. Reviewers said they paid a lot of money and received little results from Optima.

When it comes to companies who can help you with your tax situation, there are no guarantees.

You’ll need to keep an objective perspective on the offer that Optima gives you. While there may be multiple options for resolving your tax situation, none of them are promises.

And keep in mind, every tax debt case is extremely unique to each taxpayer as many moving variables come into play

The bottom line: It’s important to understand that no tax relief company, including Optima Tax Relief, has additional leeway or “magic powers” on top of what you, as a taxpayer, have with the IRS.

The proposed solutions and programs offered by these companies, including penalty and interest abatement, offer in compromise, installment agreements, and fresh start initiative, are available to you directly to explore and enjoy without the requirement of a third party.

Additionally, The Taxpayer Advocate Service is an independent organization within the IRS that assists taxpayers in understanding tax laws and their rights, available programs and options, and how to resolve any outstanding tax issues.

With the said, should you decide to hire a firm to assist you with your tax debt with the IRS, you’re essentially buying convenience, knowledge, tax attorneys, and experience.

The main question to ask yourself is whether you want to spend the time educating yourself and dealing with the IRS directly or would you rather pay someone else to do it.


Read 412 Optima Tax Relief Customer Reviews and Complaints

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Average Customer Rating: 4.5
Rating Snapshot:
5 star: 334 4 star: 34 3 star: 3 2 star: 2 1 star:  39
Bottom Line: 89% would recommend it to a friend
Showing 1-11 of 412
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  • Tax Relief

    • By Charles B.,
    • Tennessee,
    • Jan 20, 2020
    • Verified Reviewer

    I was referred to Optima Tax Relief by a friend. I can really say that this referral was the best one ever. Optima Tax has really outdone themselves. They helped me with my tax problems from the first call, working nonstop in my car against the IRS. I will say if you need tax help, give Optima Tax a call and I promise you'll be glad you did.

    Bottom Line: Yes, I would recommend this to a friend

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  • Knowledgeable representative with great service

    • By Damonta O.,
    • Snellville, GA,
    • Jan 20, 2020
    • Verified Reviewer

    Great service, couldn’t be more satisfied. Every agent I spoke with answered every question strategically and were very knowledgeable about IRS rules and regulations. Thanks for a piece of mind!

    Bottom Line: Yes, I would recommend this to a friend

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  • Great experience!

    • By Roland M.,
    • Jersey City, NJ,
    • Jan 20, 2020
    • Verified Reviewer

    They were very helpful and explained everything every step of the way. I was admittedly hesitant with turning my information over in the beginning. But that feeling was quickly diminished with a trusted friend's recommendation and how thorough and informative they are. I'm still going to have to pay the IRS but at least I get to keep my paycheck.

    Bottom Line: Yes, I would recommend this to a friend

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  • Outstanding service from Optima Tax Relief

    • By Robert D.,
    • Summerville, SC,
    • Jan 3, 2020
    • Verified Reviewer

    Optima Tax Relief was very professional in all ways. All their personnel were excellent. I particularly want to point out my interactions with Paulina Scafidi who made my experience with Optima very comfortable and satisfying.

    Bottom Line: Yes, I would recommend this to a friend

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  • Professional and personable

    • By Lee H.,
    • Birmingham, AL,
    • Dec 31, 2019
    • Verified Reviewer

    Optima Tax worked with me and kept me on track to lower my tax debt. Even when I had difficulty gathering documents I could call and get the help I needed from a friendly voice, like Tye, a member of my Tax Resolutions team. After one phone call, he recognized me and was familiar with my case. It is very reassuring to know they truly care and are fighting for your best resolution.

    Bottom Line: Yes, I would recommend this to a friend

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  • Excellent tax service

    • By Camille H.,
    • Pennsylvania,
    • Dec 30, 2019
    • Verified Reviewer

    Members of this company are very professional and attentive. I would recommend them for your tax needs. All of my calls are returned promptly. Thank you for your services. I have already spoken very highly of this company to several of my friends and family members.

    Bottom Line: Yes, I would recommend this to a friend

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  • Optimum relief with Optima!

    • By Guerry M.,
    • Woodstock, GA,
    • Dec 27, 2019
    • Verified Reviewer

    I learned about Optima from a radio ad and when we ran up some back taxes we made the call. The staff was courteous throughout the process. What I didn't know was how long this process would take; it was 3 years before a settlement and each year we had to add that year's taxes to the equation! So over 3 years we spoke with a handful of reps at Optima who were all very helpful. They were good about following up in a timely manner. Now that we've finally agreed to a payment plan we can't thank Optima enough...Relief!

    My only quip is that one year we had to pay additional money to add new taxes but the others, it was free.

    Bottom Line: Yes, I would recommend this to a friend

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  • Excellent service

    • By Anthony H.,
    • Brownsburg, IN,
    • Dec 26, 2019
    • Verified Reviewer

    I owed taxes 2 years in a row. I feared getting waged garnished, my stress levels were very high. One day I saw an Optima Tax Relief commercial and decided to see if they could help me. I probably sound like the people in the commercials, but they were able to help me. They kept my monthly IRS payments lower than what I expected to pay and Optima's fees were not expensive. I am definitely pleased with the results.

    Bottom Line: Yes, I would recommend this to a friend

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  • Thank you Optima

    • By Samuel R S.,
    • Ocala, FL,
    • Dec 23, 2019
    • Verified Reviewer

    Thank you Optima. We owed the IRS $18000.00. Optima came to our rescue. We had received notices of pending liens if we didn’t pay. Optima took charge of our situation and made sure we were in compliance with tax laws and negotiated a suitable payment plan for us at a fraction of the total cost we owed. We can get on with our lives now, thank you Optima.

    Bottom Line: Yes, I would recommend this to a friend

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  • Excellent

    • By Josh P.,
    • Missouri,
    • Dec 23, 2019
    • Verified Reviewer

    Optima has been very helpful and diligent in solving our case. We have a very unique situation and they are working hard and keeping us informed all along the way. We are almost to the final step but very confident that they will come up with an excellent solution.

    Bottom Line: Yes, I would recommend this to a friend

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  • Great experience

    • By Anthoney N.,
    • California,
    • Dec 23, 2019
    • Verified Reviewer

    I had an amazing experience with Optima Tax Relief. My case was handled with great diligence and I was never left in the dark or out of the loop. They made sure to walk me through the process step by step and I was relieved by the end result. I would recommend them to anyone.

    Bottom Line: Yes, I would recommend this to a friend

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