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When you're facing serious tax problems, you need more than just advice—you need experienced tax attorneys and tax lawyers who know how to negotiate with the IRS and protect your rights.
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How Much Tax Debt Do You Owe?
Set Up an Affordable IRS Payment Plan (Installment Agreement)
Can't pay your tax debt in full? An IRS installment agreement lets you pay over time with affordable monthly payments. Our tax attorneys negotiate the best payment terms for your situation.
What Is an IRS Installment Agreement?
An IRS installment agreement (also called a payment plan) is a formal arrangement that allows you to pay your tax debt over time through monthly payments. Instead of paying the full amount immediately, you make affordable monthly payments until the debt is paid off. This prevents the IRS from taking aggressive collection actions like wage garnishment, bank levies, or asset seizure.
Benefits of an Installment Agreement
- ✓Stop wage garnishment, bank levies, and asset seizure
- ✓Make affordable monthly payments based on your budget
- ✓Avoid additional penalties (though interest continues to accrue)
- ✓Get peace of mind knowing you're resolving your tax debt
Types of IRS Installment Agreements
Guaranteed Installment Agreement
If you owe $10,000 or less and meet certain conditions, the IRS must approve your installment agreement. You can pay over up to 3 years (36 months).
Requirements: Filed all required tax returns, haven't had an installment agreement in the past 5 years, can pay the debt within 3 years.
Streamlined Installment Agreement
If you owe $50,000 or less, you can qualify for a streamlined installment agreement without providing detailed financial information. You can pay over up to 6 years (72 months).
Requirements: Filed all required tax returns, owe $50,000 or less (including penalties and interest), can pay the debt within 72 months.
Partial Payment Installment Agreement (PPIA)
If you can't pay the full debt before the collection statute expires, you may qualify for a partial payment installment agreement. You make monthly payments, but the remaining balance is forgiven when the statute of limitations expires.
Requirements: Prove you cannot pay the full debt, provide detailed financial information, IRS reviews your finances every 2 years.
Non-Streamlined Installment Agreement
If you owe more than $50,000, you need a non-streamlined installment agreement. This requires providing detailed financial information (Form 433-F or 433-A) and the IRS will determine your monthly payment amount based on your ability to pay.
Requirements: Complete financial disclosure, IRS approval based on your financial situation, may require collateral or other conditions.
How to Set Up an Installment Agreement
Determine Your Eligibility
Our tax attorneys analyze your tax debt and financial situation to determine which type of installment agreement you qualify for and calculate an affordable monthly payment.
Prepare Application
We prepare Form 9465 (Installment Agreement Request) and any required financial statements. For debts over $50,000, we complete Form 433-F or 433-A with detailed financial information.
Submit to IRS
We submit your application to the IRS and negotiate on your behalf. For streamlined agreements, approval is usually quick. For non-streamlined agreements, the IRS may request additional documentation.
Make Monthly Payments
Once approved, you make monthly payments according to the agreement terms. You must also stay current on all future tax filings and payments, or the agreement will default.
Why You Need a Tax Attorney for Installment Agreements
While you can apply for an installment agreement on your own, having a tax attorney dramatically improves your chances of getting the best terms:
Lower Monthly Payments
We negotiate with the IRS to get you the lowest possible monthly payment based on your financial situation, ensuring you can afford the payments while meeting your living expenses.
Longer Payment Terms
We can negotiate extended payment terms beyond the standard limits, giving you more time to pay and reducing your monthly payment amount.
Stop Collection Actions
Once your installment agreement is in place, the IRS stops wage garnishments, bank levies, and other aggressive collection actions, giving you peace of mind.
Partial Payment Agreements
If you can't pay the full debt, we can negotiate a partial payment installment agreement where you pay what you can afford and the rest is forgiven when the statute of limitations expires.
Avoid Default
We ensure your agreement is structured properly and help you stay compliant with all requirements, preventing default and the resumption of collection activities.
Combine with Other Solutions
We can combine installment agreements with penalty abatement, currently not collectible status, or other strategies to reduce your total debt and monthly payment.
Get an Affordable Payment Plan Today
Don't let tax debt overwhelm you. An IRS installment agreement gives you a manageable way to pay off your debt while protecting your income and assets. Our tax attorneys have helped thousands of clients set up affordable payment plans and stop IRS collection actions. Contact us today for a free consultation.
Get Your Free Consultation NowWhat Happens If You Default on Your Installment Agreement?
Missing a Payment
If you miss a payment, the IRS will send you a notice. You typically have 30 days to make the payment before the agreement defaults. Contact us immediately if you're having trouble making payments—we can help you modify the agreement.
Not Filing Current Tax Returns
You must file all required tax returns on time while your installment agreement is in effect. If you fail to file, the agreement will default and the IRS will resume collection activities.
Owing New Tax Debt
If you incur new tax debt while on an installment agreement, the agreement may default. You must stay current on all tax obligations, including estimated tax payments if you're self-employed.
Consequences of Default
If your installment agreement defaults, the IRS can immediately resume collection actions including wage garnishment, bank levies, and asset seizure. You may be able to reinstate the agreement, but it's better to avoid default in the first place.
Frequently Asked Questions About Installment Agreements
How much are the setup fees for an installment agreement?
The IRS charges a setup fee for installment agreements: $31 for direct debit agreements (automatic monthly withdrawals) or $130 for non-direct debit agreements (manual payments). Low-income taxpayers may qualify for reduced fees or fee waivers. These fees are in addition to any professional fees for tax attorney representation.
Does interest continue to accrue during an installment agreement?
Yes, interest continues to accrue on your unpaid tax debt while you're on an installment agreement. However, the failure-to-pay penalty is reduced from 0.5% per month to 0.25% per month once your installment agreement is approved. This is why it's important to pay off the debt as quickly as possible while keeping payments affordable.
Can I pay off my installment agreement early?
Yes, you can pay off your installment agreement early at any time without penalty. In fact, paying it off early saves you money on interest. If your financial situation improves, consider making larger payments or paying off the balance in full to reduce the total amount you pay.
What if I can't afford the monthly payment the IRS proposes?
If the IRS proposes a monthly payment you can't afford, don't agree to it. Our tax attorneys can negotiate with the IRS to lower the payment based on your actual financial situation. We provide detailed financial documentation to prove what you can realistically afford, ensuring your payment plan is sustainable.
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