Installment Agreement Negotiations
Pay Your Tax Debt Over Time with Affordable Monthly Payments
Can't pay your full tax debt immediately? An IRS installment agreement allows you to pay what you owe over time through manageable monthly payments.
What is an Installment Agreement?
An installment agreement is a payment plan with the IRS that allows you to pay your tax debt over time through monthly payments instead of paying the full amount immediately. This is one of the most common solutions for taxpayers who can't afford to pay their tax bill in full.
The IRS offers several types of installment agreements depending on how much you owe and your financial situation. Our tax professionals review your income and living expenses to determine what payment amounts are allowable to the IRS, then negotiate terms that work within your budget.
Once an installment agreement is in place, the IRS will stop collection actions like levies and garnishments, giving you breathing room to resolve your tax debt without the stress of aggressive collection tactics.
Benefits of an Installment Agreement
Manageable Payments
Pay your tax debt over time through affordable monthly installments.
Stop Collection
Halt IRS collection actions including levies and garnishments.
Reduce Financial Stress
Get relief from overwhelming tax debt with a structured payment plan.
Budget-Friendly
Payment amounts based on your actual ability to pay.
Types of Installment Agreements
Guaranteed Installment Agreement
If you owe $10,000 or less, you may qualify for a guaranteed installment agreement. The IRS must accept your proposal as long as you meet certain requirements.
Streamlined Installment Agreement
For tax debts up to $50,000, you may qualify for a streamlined agreement with less financial documentation required and faster approval.
Partial Payment Installment Agreement
If you can't pay the full amount owed before the collection statute expires, you may qualify to pay less than the full balance through monthly payments.
Non-Streamlined Installment Agreement
For larger tax debts over $50,000, more financial documentation is required, and the IRS will analyze your ability to pay more carefully.
How We Negotiate Your Installment Agreement
Financial Analysis
We thoroughly review your income, expenses, and assets to determine your maximum ability to pay.
Strategic Planning
We ensure you aren't over or under-stating your financial position and choose the best agreement type for your situation.
IRS Negotiation
We submit your proposal and negotiate with the IRS to secure the lowest possible monthly payment.
Agreement Approval
Once approved, you begin making monthly payments and the IRS stops collection actions.
Get Your Free Consultation
No obligation · No Cost
Expert tax relief team ready to help
Available Monday–Friday, 9am–5pm (PT)