IRS Problem Resolution
A payment plan that actually fits.
The IRS offers several payment-plan programs ranging from simple to complex. We recommend the plan that fits your cash flow without over-disclosing financial information.
In short
An IRS installment agreement lets you pay back taxes over time instead of in a lump sum. Several plans exist based on balance size: guaranteed (under $10K, 36 months), streamlined (under $50K, 72 months), and partial-payment installment agreements for larger balances. We choose the plan with the lowest disclosure requirements and best monthly fit.
The four installment plan types
- Guaranteed — balance under $10K, paid within 36 months, accepted automatically
- Streamlined — balance under $50K, paid within 72 months, minimal financial disclosure
- Non-streamlined — larger balances or longer terms, requires Form 433-F financial disclosure
- Partial-Payment Installment Agreement (PPIA) — pay less than the full balance over time; remainder expires with the collection statute
Setup fee + ongoing interest
The IRS charges a setup fee ($31-$225 depending on method) and interest accrues on the unpaid balance. Direct-debit plans have the lowest fees and qualify for lien withdrawal — usually worth the slight loss of payment-timing flexibility.
When NOT to do an installment plan
If you have significant assets but low income, an OIC may settle the debt for less. If your income barely covers necessary expenses, Currently Not Collectible (CNC) status pauses collection entirely. Installment agreements work best when monthly cash flow is steady and the balance is manageable.
FAQ
Questions we hear about irs installment payment plan.
Will an installment plan stop a wage garnishment?
Related IRS topics
Often paired with irs installment payment plan.
Back Taxes Owed
Owe back taxes to the IRS? We resolve back-tax balances via installment agreements, Offers in Compromise, or Currently Not Collectible status. Boca Raton + Fort Lauderdale.
Offer in Compromise
IRS Offer in Compromise to settle tax debt for less than owed. We evaluate eligibility free; not everyone qualifies. Boca Raton + Fort Lauderdale.
IRS Tax Liens
IRS tax lien filed against you? We negotiate subordination, withdrawal, and release of federal tax liens so you can refinance, sell, or restore credit.
Ready for a straight answer on your taxes?
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