Installment Agreement
Set up a manageable monthly payment plan with the IRS.
Our Enrolled Agents and Tax Attorneys are experts in the Fresh Start Initiative programs with both the IRS and State Taxing Authorities. If you can't pay your tax debt in a lump sum, an Installment Agreement lets you pay it down over time in affordable monthly payments.
We help you choose the right type of agreement, negotiate the lowest defensible monthly payment, and set everything up correctly so you avoid default, additional penalties, and enforced collection.
Key Benefits
- Stop wage garnishments and bank levies
- Affordable, predictable monthly payments
- Avoid enforced IRS collection
- Stay in good standing with the IRS
- Flexibility if your finances change
How It Works
Review Balance & Compliance
We confirm your total balance, filing status, and what the taxing authority will require before approving a plan.
Choose the Right Plan
We determine which agreement type fits your situation and gives you the most favorable terms.
Calculate an Affordable Payment
We analyze your finances to propose the lowest defensible monthly payment the IRS will accept.
Negotiate & File
We submit and negotiate the agreement directly with the IRS or State on your behalf.
Maintain Compliance
We guide you on staying current so your agreement stays in good standing.
Types of Installment Agreements
Not sure if this is right for you? A free consultation is the fastest way to find out.
- Guaranteed - for balances of $10,000 or less, with near-automatic approval
- Streamlined - for balances up to $50,000, paid within 72 months, with minimal disclosure
- Regular - for larger balances, requiring a full financial analysis (Form 433)
- Partial Pay (PPIA) - pay an affordable amount that may total less than the full balance
Frequently Asked Questions
Yes. The monthly amount is based on your balance and financial situation. We analyze your income and allowable expenses to negotiate the lowest payment the IRS will accept.
Missing a payment can put your agreement into default and restart collection activity. If that happens, we can usually help you reinstate or renegotiate the agreement.
Generally yes. Once an agreement is approved and in place, the IRS typically releases wage garnishments and holds off on new levies as long as you stay current.
It depends on how much you owe and what you can afford. Smaller balances may qualify for simple plans, while larger balances require a financial analysis to set the payment.
Yes. We work with both the IRS and State taxing authorities and can help you set up agreements for each, using Fresh Start programs where available.
Get Help With Installment Agreement Today
Tell us about your situation and one of our expert Enrolled Agents will reach out within one business day - at no charge.