IRS Installment Agreements

Make Your Tax Debt Affordable

If you can’t pay your full tax bill at once, the IRS may allow you to break it into smaller, manageable monthly payments through an Installment Agreement. This option can stop aggressive collection actions and give you the breathing room you need to get back on track.

What Is an Installment Agreement?

An Installment Agreement is a formal payment plan with the IRS that lets you pay your tax debt over time. Instead of facing levies, garnishments, or constant notices, you’ll make one predictable monthly payment until your balance is resolved.

Types of Installment Agreements

  • Guaranteed Installment Agreement – For taxpayers who owe $10,000 or less.

  • Streamlined Installment Agreement – For debts up to $50,000 (no detailed financial disclosure required).

  • Partial Payment Installment Agreement – For cases where you can’t afford to pay the full debt before the statute of limitations expires.

  • Non-Streamlined Agreement – For balances over $50,000, requiring detailed financial review and negotiation.

Benefits of an Installment Agreement

  • Stops IRS collection actions like levies and garnishments.

  • Reduces stress by giving you a clear payment structure.

  • Keeps you compliant while avoiding further penalties.

  • In some cases, allows partial repayment instead of the full debt.

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How We Help

When you work with us, we’ll:

  1. Review your IRS account and determine which type of agreement you qualify for.

  2. Prepare and submit the required paperwork to the IRS.

  3. Negotiate for the lowest possible monthly payment that fits your budget.

  4. Protect you from defaulting by helping you stay compliant moving forward.

  • No — they will continue to accrue until the debt is fully paid. However, being in an agreement prevents more severe collection actions.

  • Yes. You can always make additional payments or pay off your agreement in full without penalty.

  • Missing payments can default your agreement, putting you back at risk for levies or garnishments. We’ll help you avoid this by setting up a realistic payment plan.

Frequently Asked Questions

Take Control of Your Debt

An Installment Agreement can give you time, peace of mind, and a path toward financial freedom. Let’s work together to secure an affordable payment plan with the IRS.