IRS Payment Plan Help (Installment Agreement)
An IRS Installment agreement allows eligible taxpayers to pay back taxes over time. We help determine the best payment plan option, prevent defaults, and stop IRS collection actions when appropriate.
What is an IRS Installment Agreement?
An IRS installment agreement is a payment plan that allows a taxpayer to pay IRS tax debt over time instead of in one lump sum. The payment amount and terms depend on the type of agreement, the taxpayer’s financial situation, and compliance status.
Choosing the right payment plan matter. A Payment plan that is set too high can lead to default, while an agreement that is not structured correctly may not stop certain IRS collection actions.
Who Should Consider an IRS Payment Plan?
An IRS payment plan may be appropriate if:
You owe back taxes and cannot pay the balance in full
You can afford a monthly payment that fits your budget
You want to stop IRS collection actions such as liens, levies, or garnishment
You do not qualify for an Offer in Compromise but need a structured resolution
You need help getting current on filing requirements and staying compliant
Small business owners often need additional planning to stay current on ongoing tax obligations while paying down prior balances.
Type of IRS Payment Plans
The IRS offers multiple installment agreement options. The right option depends on your balance, income, expenses, and compliance status.
Streamline Installment Agreement: A standard payment plan for qualifying taxpayers, often with less financial disclosure.
Non Streamlined Installment Agreement: Requires more documentation and financial review when streamlined terms do not apply.
Partial Payment Installment Agreement (PPIA): A payment plan based on ability to pay when the full balance cannot be paid before the collection statute expires.
Short Term Payment Plan: A short payoff timeline for taxpayers who can pay relatively quickly.
Business Installment Agreements: Plans structured for businesses that may include payroll or other business tax liabilities.
Our IRS Payment Plan Process
Case Review & Pre Qualification: We review your situation to determine whether an IRS payment plan is realistic solution.
Compliance & IRS Investigation: We confirm filing compliance and review IRS transcript, balances, and collection status.
Financial Analysis & Payment Plan Structuring: We analyze income, assets, and allowable expenses to determine a sustainable monthly payment and whether a streamlined, non streamlined, or partial payment plan applies.
Implementation & IRS Communication: We prepare submissions, communicate with the IRS, and help ensure the plan is implemented correctly to reduce the risk of default.
Common IRS Payment Plan Mistakes
Setting payments too high and defaulting later
Not staying current on new tax filings or estimated payments
Ignoring IRS notices during the setup process
Choosing a plan type that doesn’t match the case (streamlined vs non streamlined)
Failing to address business tax deposits or payroll compliance
IRS Payment Plan FAQs
Will an IRS installment agreement stop collections?: Often, yes. But timing and plan type matter. Some collection actions may continue until the agreement is accepted and properly implemented.
Can I get an IRS payment plan if I have unfiled tax returns?: Usually, missing returns must be filed before the IRS will approve an installment agreement.
What is a Partial Payment Installment Agreement (PPIA)?: A PPIA is a payment plan based on ability to pay when the full balance cannot be paid within the remaining collection period.
Do you help taxpayers nationwide?: Yes. We are licensed to represent taxpayer before the IRS in all 50 states.
Request a Free IRS Payment Plan Case Review
Complete our pre qualification form to determine whether an IRS payment plan or another tax resolution option may be available. Not all cases qualify.