Payment Plans

When you can’t pay your tax bill in full, an IRS payment plan—also known as an Installment Agreement—allows you to break your balance into affordable monthly payments. Our IRS Payment Plans service helps you:

• Avoid enforced collections (levies, garnishments, liens)
• Stop new penalty accrual and reduce interest over time
• Maintain compliance while you pay down what you owe
• Preserve credit & bank accounts from seizure

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Types of IRS Payment Plans

1. Short-Term Installment Agreements
   • Duration: up to 120 days
   • Eligibility: balances under $100,000 (combined tax, penalties & interest)
   • Benefits: no setup fee, quick approval
2. Guaranteed Installment Agreements
   • Duration: up to 72 months
   • Eligibility: balances under $10,000, current filing status, no prior defaults
   • Benefits: IRS must grant the plan if you meet criteria
3. Streamlined Installment Agreements
   • Duration: up to 72 months
   • Eligibility: balances under $50,000 with direct debit, or under $25,000 without
   • Benefits: minimal IRS review and paperwork
4. Partial Payment Installment Agreements
   • Custom terms based on your ability to pay
   • May require financial disclosure and periodic IRS review

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Why an IRS Payment Plan May Be Your Best Option

• Immediate relief from aggressive IRS collection actions
• Predictable budgeting with fixed monthly payments
• Automatic renewals often available if you stay current
• Combine with penalty abatement or an Offer in Compromise for maximum savings
  

For a one-time settlement instead of monthly payments, see our Offer in Compromise service.

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Our 4-Step Payment Plan Process

Free Case Assessment

We review your IRS transcripts and notices—at no cost—to determine the best plan type.

Eligibility Analysis

Using your financials, we identify which agreement (short-term, guaranteed, streamlined, or partial-pay) fits your situation.

Application Preparation

We draft and file all required IRS forms (Form 9465, Form 433-A/B), negotiate direct-debit terms, and handle any follow-up requests.

Plan Management & Support

Once approved, we monitor your payments, adjust terms if needed, and keep you in good standing to prevent future penalties.