A CP14 is the IRS's first bill for unpaid tax — a payment notice with one date that matters. It is not a levy, not a lien, and not anyone coming to your door.
GlassRead marks the loaded words on the notice itself — tap any for a plain-language card — and opens a calm panel beside it: your dates, your options, the question you'd be afraid to ask.
Example notice — the real CP14 layout with fictional details. Yours will look like this.
| Tax you owed (Form 1040, line 37) | $8,946.00 |
| Payments and credits | −$7,872.00 |
| Failure-to-pay penalty | $53.70 |
| Interest charges (compounded daily) | $36.30 |
| Amount due by July 8, 2026 | $1,164.00 |
Pay the amount due of $1,164.00 by July 8, 2026, to avoid additional penalty and interest. Pay online, by phone, or by mail using the enclosed voucher.
If you can't pay the full amount by the due date, pay what you can now. You may qualify for an installment agreement or an offer in compromise. Interest and the failure-to-pay penalty continue to accrue on any unpaid balance.
If we don't receive payment or hear from you, we may file a Notice of Federal Tax Lien and may eventually levy your wages, bank accounts, or other property.
If you paid in the last 21 days, you may disregard this notice. If you believe the amount is wrong, call the number above by July 8, 2026, with your records — you have the right to dispute this amount before any enforcement begins.
Paste yours and read it the same way — every loaded term explained in place, your real dates anchored, and the ways to respond laid out side by side.
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