The EV tax credit only affects your current year tax return.
Depending on your situation, that MIGHT give you current year refund, which would be applied to your past debt. On the other hand, it is possible the EV credit would not affect your current year tax return at all.
Without knowing all of the details of your current year tax return, it is impossible to tell you how it would affect things. But if your tax advisor knows what he is talking about and knows the specific details of your current year tax return, as I said, the EV credit hypothetically could increase your current year refund, which would be applied to your past debt.
