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Installment Agreements

Installment Agreement Services

Set up an affordable monthly payment plan with the IRS to stop collection actions and pay your tax debt over time. Professional representation for installment agreements.

Call 1-877-800-8180 Get Free Consultation

Types of Installment Agreements

We help you choose the right type of installment agreement based on your tax balance and financial situation.

Streamlined Installment Agreement

For balances under $50,000, no financial disclosure required

Balance:Under $50,000

Term:72 months or less

Small Balance Installment Agreement

For balances under $10,000, automatic approval

Balance:Under $10,000

Term:36 months or less

Partial Payment Installment Agreement

For larger balances, requires financial disclosure

Balance:Any amount

Term:Up to 72 months

Benefits of Installment Agreements

Installment agreements provide immediate relief from IRS collection actions while allowing you to pay your tax debt over time.

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Stop Collection Actions

Immediately halt wage garnishments, bank levies, and property seizures

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Affordable Payments

Monthly payments based on your ability to pay, not the full amount owed

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Flexible Terms

Payment plans that fit your budget and financial situation

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Protected Status

Maintain your installment agreement by staying current on payments and filing requirements

Our Installment Agreement Process

We guide you through every step of setting up an installment agreement with the IRS.

Financial Assessment

We review your financial situation to determine the best installment agreement option for your case.

Application Preparation

We prepare and file the appropriate installment agreement application with the IRS.

Payment Calculation

We calculate the optimal monthly payment amount based on your income and expenses.

IRS Negotiation

We negotiate with the IRS to secure the most favorable terms for your installment agreement.

Agreement Setup

We help you set up automatic payments and ensure compliance with all agreement terms.

Ongoing Support

We provide ongoing support to help you maintain your installment agreement and stay compliant.

Complete Guide to Installment Agreement Services

Installment agreements allow you to pay your tax debt over time in affordable monthly payments, providing immediate relief from IRS collection actions while helping you resolve your tax debt. This is one of the most common and accessible tax resolution options, available to most taxpayers who owe back taxes and can demonstrate the ability to make monthly payments. Understanding how installment agreements work and which type is right for your situation can help you take advantage of this valuable tax relief option.

Our experienced team specializes in negotiating installment agreements with the IRS and has helped thousands of taxpayers set up payment plans that fit their budgets. We understand the different types of installment agreements available, the qualification requirements, and how to negotiate the most favorable terms. Our expertise can help you secure an agreement that stops collection actions immediately while making your payments as affordable as possible.

An installment agreement is a payment plan that allows you to pay your tax debt over time in monthly installments. Once approved, the IRS stops collection actions like wage garnishments, bank levies, and property seizures, providing immediate relief while you pay off your debt. Installment agreements are available for most types of tax debt, including income taxes, payroll taxes, and other federal tax obligations.

The IRS offers several types of installment agreements, each with different requirements and benefits. The type you qualify for depends on factors such as the amount you owe, your ability to pay, and your compliance history. Understanding the different options can help you choose the best agreement for your situation and maximize your chances of approval.

Installment agreements provide a structured way to resolve tax debt while maintaining your financial stability. Unlike other resolution options that may require large lump-sum payments or complex negotiations, installment agreements offer a straightforward path to resolving your tax issues with predictable monthly payments.

Most taxpayers who owe back taxes and can demonstrate the ability to make monthly payments qualify for some type of installment agreement. The specific type of agreement you qualify for depends on the amount you owe, your financial situation, and your compliance history.

Taxpayers who owe $10,000 or less (small balance installment agreement)
Taxpayers who owe $50,000 or less (streamlined installment agreement)
Taxpayers with larger balances who can demonstrate ability to pay
Taxpayers who are current with filing requirements

Even if you owe more than $50,000 or have complex financial situations, you may still qualify for a non-streamlined installment agreement. These agreements require more detailed financial disclosure but can provide payment plans for larger debts. Our team can help you determine which type of agreement you qualify for and guide you through the application process.

The IRS offers several types of installment agreements, each designed for different situations. Understanding the differences can help you choose the best option for your case.

Small Balance Installment Agreement

Available for taxpayers who owe $10,000 or less and can pay the debt within 3 years. This type of agreement is streamlined if you meet the requirements and have filed all required returns. No financial disclosure is required, making it the simplest and fastest option for qualifying taxpayers.

Streamlined Installment Agreement

Available for taxpayers who owe $50,000 or less and can pay within 72 months. This option requires minimal financial documentation and can be set up quickly. The IRS typically approves streamlined agreements without extensive financial review, making them accessible to most taxpayers with smaller balances.

Partial Payment Installment Agreement

Allows you to make monthly payments that are less than the full amount needed to pay off the debt within the collection statute. The IRS reviews your financial situation periodically and may adjust payments. This option is available for larger debts when you cannot afford to pay the full amount but can make some payments.

Our systematic approach to installment agreements ensures you get the best possible terms while making the process as smooth as possible. We handle all aspects of the process, from initial assessment to ongoing support.

Step 1: Financial Assessment and Agreement Type Selection

We begin by reviewing your tax situation and financial circumstances to determine which type of installment agreement you qualify for. We calculate your ability to pay based on your income and expenses, identify the best agreement type for your situation, and explain your options so you can make informed decisions.

Step 2: Application Preparation and Filing

We prepare and file the appropriate installment agreement application with the IRS, ensuring all required forms and documentation are submitted correctly. For streamlined agreements, this process is relatively simple. For non-streamlined agreements, we prepare comprehensive financial statements and supporting documentation.

Step 3: Payment Calculation and Negotiation

We calculate the optimal monthly payment amount based on your financial situation and negotiate with the IRS to secure the most favorable terms. Our goal is to minimize your monthly payment while ensuring the agreement is acceptable to the IRS and fits within your budget.

Step 4: Agreement Setup and Ongoing Support

Once your agreement is approved, we help you set up automatic payments and ensure you understand all terms and requirements. We provide ongoing support to help you maintain your agreement, stay compliant with filing requirements, and address any issues that may arise during the payment period.

The documentation requirements vary depending on the type of installment agreement. Streamlined and guaranteed agreements require minimal documentation, while non-streamlined agreements require comprehensive financial disclosure.

Tax returns for all years in question
IRS notices showing the amount owed
Income documentation (for non-streamlined agreements)
Expense documentation (for non-streamlined agreements)
Bank statements and asset information (for non-streamlined agreements)

For streamlined agreements, you typically only need to provide basic information about your income and expenses. Non-streamlined agreements require more detailed financial documentation similar to what's needed for an Offer in Compromise. Our team can help you identify what's needed for your specific situation.

The timeline for setting up an installment agreement varies depending on the type of agreement and IRS processing times. Understanding what to expect can help you plan accordingly.

Application Preparation (1-2 weeks)

We typically prepare and file your installment agreement application within 1-2 weeks of receiving your information. For streamlined agreements, this process is quick. For non-streamlined agreements, it may take longer to gather and prepare the required financial documentation.

IRS Processing (2-6 weeks)

The IRS typically processes streamlined and small balance installment agreements within 2-6 weeks. Non-streamlined agreements may take longer due to the need for financial review. During this time, collection actions are typically suspended once your application is received.

Agreement Approval and Setup (1-2 weeks)

Once approved, you'll receive confirmation from the IRS and can begin making payments. We help you set up automatic payments and ensure you understand all terms and requirements. The agreement remains in effect as long as you make payments on time and stay current with filing requirements.

Throughout the process, we provide regular updates on the status of your installment agreement application. We believe in transparent communication and ensure you're always informed about what's happening and what to expect next.

Working with experienced professionals offers significant advantages when setting up an installment agreement. Our expertise can help you secure the best possible terms and navigate the process more effectively.

Expert knowledge of different agreement types and requirements
Experience negotiating favorable payment terms
Professional application preparation and filing
Higher approval rates due to proper documentation
Ongoing support to maintain your agreement
Peace of mind knowing your case is handled by experts

How much will my monthly payment be?

Your monthly payment depends on the type of agreement and your financial situation. For streamlined agreements, payments are typically calculated to pay off the debt within 72 months. For non-streamlined agreements, payments are based on your ability to pay after considering your necessary living expenses. During your consultation, we can estimate what your monthly payment might be.

Can I change my payment amount later?

If your financial situation changes, you may be able to modify your installment agreement. You'll need to demonstrate the change in circumstances and provide updated financial information. We can help you request a modification if your situation changes significantly.

What happens if I miss a payment?

Missing payments can result in default of your installment agreement, which may lead to reinstatement of collection actions. It's important to make all payments on time. If you're having trouble making a payment, contact us immediately so we can help you address the situation before it becomes a problem.

Before setting up an installment agreement, there are several important factors to consider. Understanding these can help you make informed decisions and set realistic expectations.

Interest and Penalties Continue

Interest and penalties continue to accrue on the unpaid balance while you're making payments under an installment agreement. While the agreement stops collection actions, it doesn't stop interest and penalties. However, making payments reduces the balance, which in turn reduces the amount of interest and penalties that accrue.

Filing Requirements

You must stay current with all filing requirements to maintain your installment agreement. This means filing all required returns on time and making estimated tax payments if applicable. Failure to stay current can result in default of your agreement.

Payment Methods

The IRS offers several payment methods for installment agreements, including automatic bank withdrawals, credit card payments, and check payments. Automatic payments are often the most convenient and help ensure you don't miss payments. We can help you set up the payment method that works best for you.

Our team takes the time to explain all considerations relevant to your installment agreement. We want you to understand the terms, requirements, and what to expect throughout the payment period. We're here to answer your questions and provide guidance every step of the way.

Professional representation during an audit can make a significant difference in the outcome. Tax professionals understand audit procedures, know how to respond to IRS inquiries effectively, and can negotiate on your behalf to minimize your tax liability.

IRS auditors are trained to identify issues and assess additional tax when appropriate. Without professional representation, you may inadvertently provide information that leads to additional assessments or fail to present your case in the most favorable light. Our experienced team knows how to navigate the audit process and protect your interests.

Knowledge of Audit Procedures

We understand the audit process, know what the IRS is looking for, and can help you prepare appropriate responses. Our knowledge of audit procedures helps ensure your case is handled correctly and efficiently.

Effective Communication

We know how to communicate with the IRS effectively, presenting your case in a clear, professional manner. Our communication skills help ensure your rights are protected and your case is presented favorably.

Negotiation Expertise

We can negotiate with the IRS to minimize additional tax, penalties, and interest. Our negotiation skills and experience can result in significant savings compared to handling the audit on your own.

Ready to Set Up a Payment Plan?

Stop IRS collection actions and start paying your tax debt with an affordable monthly payment plan. Contact us today to get started.

Call 1-877-800-8180 Email Us

Installment Agreement Services

Types of Installment Agreements

Streamlined Installment Agreement

Small Balance Installment Agreement

Partial Payment Installment Agreement

Benefits of Installment Agreements

Stop Collection Actions

Affordable Payments

Flexible Terms

Protected Status

Our Installment Agreement Process

Financial Assessment

Application Preparation

Payment Calculation

IRS Negotiation

Agreement Setup

Ongoing Support

Complete Guide to Installment Agreement Services

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