James M. Cha

When I first started working with Mr. Cha, there was a moment I genuinely questioned whether things were going as promised. What I didn't realize was that the IRS has its own collection language that most people simply don't understand. The confusion was mine, not his. Once he explained what each notice actually meant and why each step was happening, everything clicked, and I regained trust in him.



James turned the crisis into my opportunity. The results speak for themselves. ​The standard IRS-calculated payment was $4,900 per month. His team handled every piece—unfiled returns, collection holds, and the state. The outcome: a Partial Pay Installment Agreement approved at just $100 per month. That’s a 98% reduction on my future monthly payments!



If you're staring at IRS letters you can't make sense of, that confusion is completely normal. The IRS system is not built for regular people to navigate alone. I came in scared and second-guessing. I left with a resolution that saves me thousands every month for years to come. I'll be referring anyone I know with a tax problem without hesitation.

I can't even begin to express my gratitude to James Cha , Janice and their entire Staff for their help, support, patience, and follow up, upon follow up, upon follow up. I am CLUELESS when it comes to my Taxes and my organization on paperwork is atrocious!! James and His staff never gave up on me and were always working on my behalf even when I was unable to. ACE Plus is meticulous and so professional I feel I now have a partner in keeping me compliant on the IRS and FTB. Thank You! If you need an ally in Tax service ACE Plus is the only choice.

I had a great experience working with Mr. Cha. I reached out to them for help with my tax situation from 2021 to 2023, and they were incredibly professional, knowledgeable, and supportive every step of the way. They worked directly with the IRS on my behalf and successfully negotiated a manageable payment plan, which brought me so much peace of mind.

On top of that, they helped me file my 2024 taxes and even reduced potential penalties from my previous tax years. Their team made the entire process feel less overwhelming and took the time to explain everything clearly. I’m really grateful for their help and would definitely recommend AcePlus to anyone dealing with tax issues or needing expert tax filing services.

Oh man, let me tell you about my tax nightmare. I used to have this business partner who was supposed to handle all the tax stuff. But he messed things up. So, imagine my panic when I got an audit letter in the mail. I was freaking out, thinking the worst because I knew our records were a total mess and we had some serious tax issues.

But then, I got lucky. I found James and his amazing team. These guys are absolute lifesavers. James stepped in, and with his incredible negotiation skills and experience, he managed to sort everything out and came up with the best possible result. He even got all the penalties wiped out when the audit was finalized.

Seriously, if you've got any tax problems, James and his team are the ones you want on your side. They're the best in town, hands down.

ACE Plus did an outstanding job resolving my IRS tax bill. My tax liability was reduced by 99.1%! James Cha is extremely knowledgeable about taxes and also well-versed in working with the IRS -- both of which are vital to a successful outcome. Because of my complicated tax situation (and interest accruing every day), I had a lot of anxiety and wanted to understand (micromanage) every step of the process. James discussed his strategy with me and ensured that we were in agreement. But then I had to trust that James knew what he was doing, step back, and accept that the achieving a successful solution was not going to be quick. I'm very pleased with the services of ACE Plus and highly recommend them.

Here’s my story. Experiencing IRS stress was brutal. It can really weigh you down.

A few years back, my little restaurant corporation hit a rough patch. I was overwhelmed by bills and the IRS. It was enough to keep me up at night!

I tried dealing with IRS collectors myself at first. Big mistake. Those folks have no sympathy. When my offers got denied, I knew I needed help. That's when my brother recommended his buddy James. I was skeptical of another "expert" but willing to try anything.

James was a breath of fresh air. Instead of just barking at me, he took the time to understand my situation. Then he battled those collectors like a champ behind the scenes. It took time but little by little James wore them down. Next thing I know, he's presenting me with a deal I never thought possible - even getting penalties waived! It was like a weight lifted.

Now my business is back thanks to James. When you're deep in tax trouble, don't be too proud to ask for backup. Reach out to James - he knows his stuff and can work with those IRS folks. You won't regret it.

I ran into some issues with the IRS a few years ago regarding 1099’s and it’s been troublesome to say the least. James and the entire team at ACE Plus Tax Resolution have helped me get back on my feet and on the right path with my tax problems. They handled my case with knowledge, confidence, and care, communicating with me all the way through. I have a better grasp on the situation now, and it feels manageable rather than overwhelming and stressful. Working with their firm has given me peace of mind, and I would recommend them to anyone looking for help with the IRS.

JAMES (AND JANICE!) AT ACE PLUS TAX RESOLUTION ARE A HUGE PART OF THE SUCCESS OF OUR BUSINESSES, WE CAN'T IMAGINE TRYING TO NAVIGATE DEALING WITH EDD, FTB, AND THE IRS WITHOUT THEM! WE TRIED TACKLING TAXES FIRST YEAR IN BUSINESS ON OUR OWN, AND FAILED MISERABLY, SO WHEN WE FINALLY CAME TO JAMES, IT WAS A RESCUE MISSION, A TOTAL DUMPSTER FIRE, AND JAMES (AND JANICE!) JUMPED RIGHT IN TO PUT OUT THE FLAMES! THEY NOW HAVE US ON THE RIGHT PATH, AND WE'RE FOREVER GRATEFUL TO THEM FOR THAT! ****5 STARS***

Due to my back payroll taxes from an Iowa business failure, I have lived under stress over the years. An IRS collector came out to the business at that time.

James and his team guided me through the entire process, and now I am completely out of the IRS collection cycle.

It was an incredible experience, and I felt an enormous burden lifted off my shoulders. Now, with their help, I am building up a new business. Highly recommended.

I can't say enough positive things about James and the team. I came to them for help to resolve a pretty substantial debt with the IRS, and was concerned that I was out of options. James took the time to review not just my taxes, but my entire financial situation, and provide detailed and thorough advice and recommendations on next steps. He's been very patient with all my questions, always responsive and communicative via email, and the entire office staff has made me feel welcome and comfortable throughout the process. I highly recommend them for tax issues or regular tax filing!

When we came to Ace Plus, our small business had been hit extremely hard by the Covid restrictions in CA. The IRS had sent a final Intent to Levy and was just about to put us into collections on a $70,000 tax bill, which we could no longer afford to pay. Ace Plus was able to suspend collections before they began, saving us money while they helped us create an Offer in Compromise. Although this was indeed a complicated process with lots of moving parts, James helped us organize our finances, communicate an accurate view of our hardship to the IRS, and help us creates better habits for our business accounting in order to remain in good standing. James helped us through this stressful time and ultimately got our tax debt settled for $180! Even with the fees paid to Ace Plus, the savings are huge – and a huge weight off our shoulders. We are truly grateful to James and his team for helping us to this victory.

Mr. Cha was on top of everything that we needed. He was negotiating with the IRS efficiently and professionally. We would strongly recommend him to anyone who has issues with the IRS.

When I was looking for potential CPAs to help out with my case, I stumbled upon his firm and looked at his reviews on this site and on other sites as well. What I noticed was that James responded to the positive reviews as well as the few negative ones. As a business owner myself, this tells me that James takes pride in his work and cares about his reputation. This was a good sign!

During my initial consultation with him, I asked if he's encountered similar scenarios to my case and he said that he did and while he couldn't make definite promises, he had favorable results in the past. So I hired him to help out with my tax case.

My tax case was a real mess spanning over 15 years and dealt with international tax laws with major $$$ implications. The whole ordeal took over a year to resolve but in the end James and his firm knocked my case out of the park!

James knows his craft and with years of experience he was able to help me maneuver through the intricacies of international tax laws and tax resolution strategies. It would be an understatement to say that James saved my business and our livelihood! And for that I will forever be grateful.

James Cha CPA is my hero. It is a pleasure doing business with him. James and his team take the time to know you one on one. I trust and depend on his services to keep me ahead of tax issues. Every I dotted and every t crossed.
Negotiation expert with the IRS, on top of their game with the IRS state, tax laws, and clients. No complaints from me.

Thank you, Thomas.

I've been working with James Cha, CPA for about 20 years. Both my business and personal tax needs have been taken care of wonderfully. His team has solved many tax problems.
I'm confident they'll get me favorable tax solutions if I ever run into any tax issues. They offer reliable and trustworthy service in the most professional manner.
PROS: The fee is excellent for the quality of services rendered.
-All information is shared in detail and in a timely fashion.
-Expertise with both state and federal tax laws and strategies.
CONS: I have not encountered any cons.

I had a major tax issue for 2 years due to Covid and a wrongful termination and could not pay my tax bills. James and his team worked with the IRS during trying times as the IRS was impossible to reach. Additionally their website was, and still is, horrid. James not only set up a settlement plan but kept on top of it when the plan never came through from the IRS due to lost payment I made to the IRS. The plan had to be 'reset' and he took care of it. I'd highly recommend his services if you need help. It takes the stress out of trying to work with the IRS.

I had a messy tax situation for the last six years and owed almost $90,000 to the IRS.

Before I met James Cha, I received piles of sales and threatening letters from other resolution companies, which I couldn’t trust at all. But after I saw James, I felt that he is trustworthy and caring with guidance from his experience in this area.

James at Ace Plus Tax Resolution stepped into the complicated situation and started to solve the mess patiently. I was so busy working and take care of kids after, so I could not give him the documents he needed. The company has a great follow-up system and kind staff.

James got me into only a few hundred dollars payment plan. Now I am out of the IRS collection cycle, and I can breathe with a manageable amount. I am spreading my words to whoever has an IRS problem. Thank you, Mr. James Cha.

Over the past several years, my wife and I tried hard to refinance our home to pay down our federal back tax of over $232,000. We had equity in our home, but we couldn't get alone due to the IRS liens, and we couldn't get the IRS liens released without getting a loan. We were stuck in a catch 22 and we didn't know what to do. Neither the IRS nor the lender would budge until we had a payment plan in place, along with proof of payments. And the IRS had initially imposed a payment plan amount that was thousands of dollars above what we were capable of pain.

Fortunately, we found James at Ace plus tax resolution, he did a complete analysis of our situation and provided valuable consultation, direction and strategies. He showed us available options related to the liens payment plans and refinancing, specifically customized to our situation. This was refreshing because others had simply appeared to plug our numbers into a formula and told us we were not qualified for help. Thankfully, with James's help, we were able to relieve this difficult and stressful burden. Initially he got us a payment plan of a few hundred dollars per month.

With that we were able to comply with the IRS rules and proceed with the refinancing process and pay off all of the back taxes. This is exactly what we had wanted to happen and actually a bit more. It was a thrilling and satisfying experience and we were so glad we met James. We would highly recommend him to anyone that has tax problems.