Four Signs It’s Not the IRS Calling

Patrick Campbell | Aug 18 2025 18:00

Phone rings. A serious voice says they’re from the IRS. They claim you owe money—or worse, that you’re being investigated. For folks in Ottawa, IL and surrounding communities like Streator and La Salle, these calls can feel intimidating. But here’s the good news: in most cases, they’re scams.

The IRS doesn’t operate like a collection agency, and knowing how to spot a fake call can save you stress—and potentially money.

 

1. They’re Threatening Immediate Arrest or Lawsuits

If someone claims the police will show up today if you don’t pay immediately—it’s not the IRS. While the IRS can initiate collections or legal action in serious cases, they do it through written notices first, not surprise threats on the phone.

 

2. They Demand Payment Over the Phone

The IRS will never ask for payment over the phone, especially not through gift cards, prepaid debit cards, or wire transfers. If someone says you need to go to a store and buy gift cards to pay off a tax debt, hang up immediately.

 

3. They Refuse to Send Anything in Writing

Real IRS communications always begin with a letter in the mail. Scammers will often push you to act fast and tell you there’s no time to send paperwork. That’s a major red flag.

 

4. They Ask for Private Info Right Away

Be cautious if the caller wants your Social Security number, bank account, or other sensitive info. The IRS already has this information—they won’t call asking you to confirm it out of the blue.

 

Quick Recap: Signs of a Scam

  • Threats of arrest or lawsuits

  • Requests for gift card or wire payment

  • No written communication first

  • Asking for personal details by phone

 

What You Should Do If You’re Unsure

Hang up, then contact your local tax professional or call the IRS directly at their official number. If you’re in Ottawa or nearby and get a call that makes you nervous, we’re happy to take a look at the letter or voicemail with you—no charge, no pressure.