Appeal a rejected Offer in Compromise (OIC) - Online Self-Help Tool (9)


1st - Decide if you should dispute this item.

To determine the amount in dispute you will need (1) your Form 433-A, (2) the AET (Asset/Equity Table) Worksheet sent to you with the rejection letter.

Follow these steps

  1. Identify the amount you used for asset value and the loan value of each vehicle on page 3 of your Form 433-A.
  2. Identify the value of the vehicle and the encumbrance (amount owed) identified on the AET Worksheet for each vehicle.
  3. Compare these amounts:  If the net amount from the AET worksheet for any vehicle is GREATER than the amount from the Form 433-A, then you may have a disputed item and may consider filing a request for an appeal.

Compute the value of your vehicle

  • Determine the Fair Market Value (FMV) by consulting a trade association guide, advertisements from local dealers, classified ads and authoritative web sites offering new and used car appraisals.
  • Determine the quick sale value by reducing the FMV value by 20%. This is the amount you can sell the vehicle for today.
  • On your most recent loan statement(s), compare the amount owed to the loan amount identified on the AET worksheet.
  2nd - Do you need help in identifying the documents supporting your item(s) in dispute?


3rd - Do you want assistance in identifying other disagreed items?


For telephone assistance or more information on "Preparing a Request for Appeal" go back to the beginning.