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Installment Agreement
Exploring IRS Installment Agreements for Flexible Tax Payment Plans
We evaluate your eligibility for various installment agreement types—guaranteed, streamlined, partial-pay—and tailor a payment schedule that fits your budget.
Our team compiles and verifies detailed income and expense reports to support your application and demonstrate payment capacity.
We analyze your financial situation to determine the optimal payment structure and identify opportunities for Currently Not Collectible status if needed.
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Installment Agreements
With deep understanding of IRS installment procedures and taxpayer rights, we guide you through each step of setting up or modifying your payment plan.
We uphold rigorous standards in facilitating payment plans, ensuring cost-effective, responsive solutions that alleviate your tax burden.
We maintain transparent communication and personalized guidance so you clearly understand your installment options and next steps.
Drawing on years of experience with IRS payment plans, we simplify complex tax obligations into clear, actionable monthly installments.
IRS installment agreements enable taxpayers to spread their tax liability over time, with options ranging from guaranteed and streamlined plans to partial-pay arrangements. Eligibility hinges on debt amount, filing compliance, and ability to pay. In some cases, Currently Not Collectible status may pause collection actions.
We help you complete Form 9465 and required financial statements, submit your application online or by mail, and negotiate fees and terms with the IRS to secure the best possible installment plan.
Stay current with monthly payments to avoid default. If circumstances change, we can help you request modifications, extensions, or CNC status to prevent enforced collection actions.
Installment agreements preserve financial stability by avoiding levies and liens, reducing stress with predictable payments, and preventing aggressive IRS collection measures.
Installment Agreement FAQ
Common Questions About Installment Agreements
Important Terms To Know
- Installment Agreement: A plan allowing taxpayers to repay their tax debt over time through structured payments.
- Tax Debt: The total unpaid federal tax liability requiring resolution.
- Payment Terms: The schedule and conditions under which installments are made to the IRS.
- Tax Compliance: Staying current with filings and payments to maintain eligibility for payment plans.
- Interest: The ongoing charge on unpaid tax balances until paid in full.
- Penalty: Additional charges for late or non-payment of taxes, which continue to accrue under an installment agreement.
- Form 9465: The IRS form used to request an installment agreement.
- Financial Statements: Detailed records of income, expenses, assets, and liabilities required to support installment applications.
- Direct Debit: Automatic electronic withdrawal of installment payments from your bank account.
- Collection Actions: IRS measures like levies or garnishments that can be suspended under an installment agreement.
An installment agreement is an arrangement with the IRS to pay your total tax debt over time through regular payments.
Eligibility depends on debt amount, filing history, and financial capacity. Most taxpayers unable to pay in full qualify.
Submit Form 9465 and required financial documentation online, by phone, or via mail, plus applicable setup fees.
The IRS reviews your financial data, debt amount, and compliance history to determine appropriate payment terms.
Yes, you can begin payments immediately, which count toward your agreement and reduce penalties.
You must make on-time payments and file future returns promptly to keep the agreement in good standing.
No, installment agreements are not publicly recorded and remain private between you and the IRS.
Setup can take from days to weeks depending on method and backlog; online applications are generally fastest.
You can request changes or termination by contacting the IRS; modifications may incur additional fees and require updated financial statements.
CLICK HERE or call (833) IRS-PROB or (214) 214-3000 to speak to a tax associate today. They will outline the specifics of your case and help map out your options moving forward. If you’ve received any certified mail or other threatening correspondence recently, make sure and tell them so they can take the necessary steps to intervene with immediate action. Don’t wait until it’s too late! Relief is just a simple phone call or click away.
IRSProb specializes in installment agreement setups and modifications, guiding you through Form 9465 filings, negotiations, and compliance to secure sustainable payment plans.
About IRSProb
What Does IRSProb Do?
We become your official advocate before the IRS—handling all communications, filings, and negotiations so you don’t have to.
Our team of CPAs, enrolled agents, and tax attorneys reviews every detail and crafts a tailored roadmap to relief.
From powers of attorney to financial disclosures, we assemble and vet every form and schedule required by the IRS.
Drawing on decades of experience, we negotiate Offers in Compromise, Installment Agreements, penalty abatements, and more.
After securing a resolution, we guide you through payment setup, monitor compliance, and stand ready to address any follow-up IRS inquiries.
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Why Choose IRSProb?
You’ll work directly with one seasoned CPA—no handoffs, no bureaucracy—ensuring every detail of your case gets expert oversight.
When you call or email, you reach your CPA. Expect prompt, jargon-free updates at every stage of your case.
Hundreds of clients served, significant liabilities reduced, and glowing testimonials—your relief is our reputation.
Our Proven Process
1
File Form 2848 (Power of Attorney) and Form 8821 (Authorization) to freeze most collection actions (levies, garnishments), then request your entire IRS record
2
Compile past tax returns, bank statements, pay stubs, business records, and IRS notices into a single Discovery packet.
3
Assess all relief paths—Offers in Compromise, installment plans, CNC status, innocent spouse relief, and penalty abatement—to pinpoint the best solution.
4
Submit required forms and documentation, then advocate directly with your IRS revenue officer to secure optimal terms.
5
Set up payment or compliance plans, track deadlines, and manage follow-up filings to ensure IRS adherence.
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Call us now to speak directly with your dedicated CPA and get immediate help resolving your tax issues.
Contact us below for a complimentary case review and a personalized roadmap to financial freedom.
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Providing professional guidance so that you can pay off your tax debt for a fraction of the original cost if you qualify.
Guiding you through the process of negotiating a release of the levy through an installment plan with the IRS thats easiest on your wallet
Specializing in filing Installment Agreements and helping taxpayers unable to fulfill their existing IRS payment agreements
Presenting your case to the IRS in order to dissociate you from penalties due to your spouse’s inability to pay their taxes.
Ensuring that your rights are respected by IRS agents, and serving as your authorized representative knowledgeable in tax law.
Assisting you with resolving delinquent employee income tax withholdings, associated penalties and abatement.
IRS INSIDER Podcast 🎙️
Exploring Installment Agreements as a Tax Resolution Option
Exploring IRS Installment Agreements as a Tax Resolution Option
Overview of Installment Agreements
An installment agreement serves as a viable tax resolution alternative for individuals who do not qualify for an Offer In Compromise. This solution enables taxpayers to settle their entire debt by making monthly payments over a specified period.
Depending on your financial circumstances, you may qualify for a ‘Partial Pay’ Installment Agreement.
Benefits of “Currently Not Collectible” Status
When your account is designated as “Currently Not Collectible” (CNC), the IRS acknowledges your financial constraints and refrains from pursuing collection efforts or seizing your assets and income.
Financial Evaluation for Eligibility
To determine eligibility, the IRS requires financial substantiation, including a detailed statement of your income and expenses. Based on this information, the IRS assesses whether a reduction in your total tax debt is possible.
The remaining debt is then paid through manageable monthly installments. Alternatively, the IRS may place your account under a “Currently Not Collectible” status, acknowledging your inability to cover both taxes and reasonable living expenses. During this status, the IRS refrains from collection attempts or asset levies.
FAQs
What is an IRS Installment Agreement? It’s a plan that allows taxpayers to pay their outstanding taxes in smaller, more manageable amounts over time. Who is eligible for an Installment Agreement? Most taxpayers who cannot pay their tax debt in full immediately are eligible, but specific requirements must be met. How do I apply for an Installment Agreement? You can apply online, by phone, or by mailing a completed Form 9465 to the IRS. How does the IRS decide to accept an OIC?The IRS considers your ability to pay, income, expenses, and asset equity to determine if the offered amount is the most they can expect to collect within a reasonable time.
What are the different types of Installment Agreements? They include Guaranteed, Streamlined, Partial Payment, and Non-Streamlined Installment Agreements. Are there fees associated with setting up an Installment Agreement? Yes, there are setup fees, which vary depending on the type of agreement and method of payment. Can the IRS still take collection actions under an Installment Agreement? Generally, the IRS will not take enforced collection actions while an Installment Agreement is in place. How does an Installment Agreement affect interest and penalties? Interest and late-payment penalties continue to accrue until the full amount is paid. Can I modify or terminate an Installment Agreement? Yes, you can request modifications or terminate the agreement, but this can lead to enforced collection actions by the IRS.Important Terms To Know
- Installment Agreement: A plan to pay taxes owed in smaller, periodic payments.
- Tax Debt: The amount of tax owed.
- Payment Terms: Specific conditions under which payments are made.
- Tax Compliance: Fulfillment of tax obligations.
- Interest: A charge for borrowed money, typically a percentage of the amount owed.
- Penalty: An additional charge for late or non-payment of taxes.
- Form 9465: The form used to request an installment agreement.
- Financial Statements: Records showing financial status and transactions.
- Direct Debit: Automatic withdrawal of payments from a bank account.
- Collection Actions: Steps taken by the IRS to collect unpaid taxes.
Seeking Relief: Trust Fund Penalty and Abatement Assistance
At IRSProb.com, we specialize in handling Installment Agreement requests. Whether you’re seeking to initiate a new agreement or facing challenges in fulfilling an existing one, our experts are here to guide you through the process and find the best resolution for your unique situation.
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