Tax Negotiation

IRS Installment Agreement

An IRS Installment Agreement allows you to pay your tax debt in manageable monthly payments instead of one lump sum. It is one of the most common and accessible IRS resolution options, available to most taxpayers who cannot pay in full immediately.

Our team negotiates installment agreements that fit your actual budget — not just the minimum the IRS demands. We also work to reduce the underlying balance through penalty abatement before setting up your payment plan.

Set Up a Payment Plan →
Payment Plan
Agreement Types

Types of Agreements

Which Installment Agreement Is Right for You?

There are several types of IRS installment agreements. The best one depends on how much you owe and your financial situation:

  • ✓ Guaranteed Installment Agreement — for debts under $10,000, automatic approval
  • ✓ Streamlined Installment Agreement — for debts under $50,000, no financial disclosure required
  • ✓ Non-Streamlined Agreement — for larger debts, requires full financial documentation
  • ✓ Partial Pay Installment Agreement (PPIA) — pay less per month, balance may expire before paid in full
  • ✓ In-Business Trust Fund Express — for businesses with payroll tax debt
Find the Right Plan for Me →

The Process

How We Set Up Your Installment Agreement

Getting the right payment amount matters — a payment you cannot sustain leads to default and reinstatement of full collection actions.

1

Calculate Your Allowable Expenses

We use IRS National and Local Standard expense tables to build a financial picture that maximizes the allowances the IRS must accept.

2

Reduce the Balance First

Before agreeing to a payment plan, we request penalty abatement to reduce the total balance you will be paying monthly interest on.

3

Negotiate Monthly Payment

We negotiate the lowest allowable monthly payment and the longest possible repayment term to minimize your monthly burden.

4

Confirm & Monitor

We confirm the agreement in writing, set up your first payment, and monitor the agreement to catch any IRS issues early.

Get My Installment Agreement →
Monthly Payments
Stay on Track

Avoid Default

What Happens If You Default on an Installment Agreement

Defaulting on an IRS installment agreement reinstates all collection actions immediately. Common causes of default include:

  • ✗ Missing even one monthly payment
  • ✗ Filing a future tax return late while on the agreement
  • ✗ Failing to pay future taxes as they come due
  • ✗ Providing inaccurate financial information during setup
Set Up a Plan You Can Keep →

Ready to Resolve Your Tax Issues?

Get a free consultation to find out which installment agreement fits your budget — and how we can reduce your balance before setting up payments.

Get Tax Relief Today →
BBB A+ | NAEA | NATP | Inc. 5000