Optima Tax Relief vs Community Tax

McCall Martin
McCall Martin | Senior Editor

Both Optima Tax and Community Tax offer good tax relief and preparation services. Both companies employ lawyers and enrolled agents. Choosing between Optima Tax and Community Tax comes down to how high your tax debt is and the kind of preventive services that are best for your situation. 

Optima Tax Relief requires a minimum of $10,000 in tax debt, while Community Tax only requires $3,000. Community Tax offers monitoring plans for individuals and businesses. Optima Tax’s plans are designed for individuals with different tax needs — W-2 earners and self-employed individuals.

Optima Tax Relief logo
#1 Optima Tax Relief
9.7 Overall Score
4.4
star star star star star_half
(1,888)
Community Tax logo
#5 Community Tax
7.4 Overall Score
4.6
star star star star star_half
(642)

Overview

Optima Tax Relief

Minimum Debt Requirement

Undisclosed

Lowest Cost

Undisclosed

Services Offered

Free Consultation, IRS Tax Relief, State Tax Relief, Tax Settlement Negotiation, Individual Tax Preparation

Accreditations

IRS CE Provider, NAEA

Time in Business

13 Years

Community Tax

Undisclosed

Undisclosed

Free Consultation, IRS Tax Relief, State Tax Relief, Individual Tax Preparation

IRS CE Provider

13 Years

Ratings

Optima Tax Relief

Overall Score
9.7 of 10
Review Score
4.4
star star star star star_half
Value for Money
4.1
star star star star star_border
Quality of Product or Service
4.3
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Company Trustworthiness
4.3
star star star star star_half
Likely to Recommend
8.4 of 10

Community Tax

7.4 of 10
4.6
star star star star star_half
4.4
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4.5
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4.4
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8.8 of 10

Pros & Cons

Optima Tax Relief

PROS

  • IRS Power of Attorney in 50 states
  • Simple, 3-step process
  • 15-day, money-back guarantee
  • Broad range of services

CONS

  • Minimum debt requirement of $10,000
  • Less than 15 years old

Community Tax

PROS

  • Low minimum debt requirement
  • Transparent pricing
  • Offers educational resources
  • Available in all 50 states

CONS

  • Less than 15 years old

Reviews

Optima Tax Relief

Number of Reviews
1,888
Review Breakdown
4.4
star star star star star_half
1 star
8%
2 star
2%
3 star
5%
4 star
10%
5 star
75%

Community Tax

642
4.6
star star star star star_half
1 star
6%
2 star
0%
3 star
3%
4 star
12%
5 star
79%

Reviews for Optima Tax Relief

Helpful Favorable Review

star star star star star

Katrina

February 1st, 2023

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Review Source

My service was amazing, and Optima Tax was on point, and very a knowledgeable.This is my first time having tax issue but they made me feel at ease and did exactly what they said they were going to do.Thank you Optima Tax!

Helpful Critical Review

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Glenn Thomas

November 6th, 2022

Called and made an appointment, representative was to call use back, this was so I could get all the information together they needed for my case and also to have my spouse available, never did get any calls even after I called several times. Three weeks later got notification from IRS of intent to lien. These people were absolutely no help.

Reviews for Community Tax

Helpful Favorable Review

star star star star star

Anita Charlestin

June 6th, 2019

DETAILS

Chris was such a pleasure to work with! He really helped me to understand my taxes and the filling process went smoothly! I had problems with the IRS and Community Tax helped me and gave me a peace of mind! I strongly encourage anyone looking for a company to file with, to file with Community Tax!

Helpful Critical Review

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Lisha Graham

June 16th, 2022

DETAILS

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Verified Customer

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Review Source

The company stated that they could help lower the interest and penalties. All they did was set me up on a payment plan that more than triple in two years which I will not be able to pay. I have been trying to reach someone for almost two months and cannot get a response. I am a disabled senior citizen on a fixed income. The company has not provided the services they advertised.

The Final Word

Company Experience and Expertise (Winner: Tie) 

Community Tax and Optima Tax Relief have been in business about the same amount of time. CTAX was founded in 2010 and Optima was founded in 2011. Both of these companies have a decade of experience in the tax relief industry and employ hundreds of professionals to help clients across the country find relief from their tax debt.

When it comes to experience and expertise, we feel comfortable recommending either Community Tax or Optima Tax Relief as a reliable option for you.

User Experience (Winner: Community Tax)

User experience includes things such as website ease of use, quality of service, and likelihood of customers to recommend the company’s services. While we find Optima’s website to be more user-friendly overall, Community Tax wins this category due to its higher scores in both categories: quality of service and likelihood to recommend.

State Availability (Winner: Tie)

As two very established tax relief companies, both Optima and CTAX offer services in all 50 states and hold the necessary certifications to do so. This is always something we like to see in a company, because it shows that the company is aware of how laws and regulations differ by state, and still holds IRS power of attorney across the country.

Cost (Winner: Optima Tax Relief)

Cost is a difficult thing to compare in the tax relief industry because pricing is typically quote based and depends on how much debt you enroll in the company’s program. However, general estimates put Optima at a lower price point than Community Tax for comparable services.

We still recommend getting a quote from both companies, as your individual financial situation might lead to one company offering you a better deal than the other.

Minimum Debt Requirement (Winner: Community Tax)

Community Tax requires only $3,000 in tax debt for you to be eligible for its services. Optima Tax, on the other hand, requires at least $10,000 in tax debt to be eligible to work with the company.

Community Tax clearly wins this category. It has one of the lowest minimum debt requirements we’ve seen in the industry, thus making its services more widely available to those with even small amounts of tax debt.

Optima Tax Relief or Community Tax: Which Is Better?

Overall, we are slightly more impressed with Community Tax due to its positive user experience and low minimum debt requirement. However, both Optima Tax Relief and Community Tax offer quality tax relief services, tax preparation, and tax monitoring to prevent issues. 

Both companies also hire qualified tax experts, including enrolled agents and lawyers. The biggest difference between Optima Tax Relief and Community Tax are their preventive services and minimum debt requirements.

Optima Tax Relief only accepts clients with at least $10,000 of tax debt. Community Tax has a much lower threshold — $3,000. If you have less than $10,000 in tax debt, Optima Tax Relief is not an option for you.

Both Community Tax and Optima Tax Relief offer three plans for preventive tax monitoring. Community Tax’s base plan is free. It includes tax monitoring, quarterly reports, access to discount codes, and comes with the TaxPal mobile app. 

While it’s nice to have access to preventive monitoring for free, Optima Tax Relief’s base plan offers more services, like tax preparation software and identity theft monitoring. If you’re interested in those services, it may be worth it to choose Optima Tax Relief over Community Tax.

Optima Tax Relief also offers two additional protection plans. One is designed for self-employed people and the other for W-2 earners. Community Tax also has two additional plans: one is designed for business owners and the other is designed for individuals. The kind of protection plan you need will affect which company is best for you. 

Top Choice

Optima Tax Relief Logo
Optima Tax Relief

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