Installment Agreement

An Installment Agreement is a formal payment plan with the IRS that lets you pay your tax debt over time in manageable monthly amounts. For many people it is the fastest route to stopping collection pressure and getting their life back to normal.

The key is the structure. The IRS has several types of installment agreements, and the monthly amount can vary dramatically depending on which one you qualify for and how your finances are presented. Our clients have secured agreements as low as $25 a month on five-figure balances — because the agreement was negotiated, not just accepted at the IRS's first number.

Types of agreements we negotiate

• Guaranteed and streamlined agreements for qualifying balances, set up quickly.
• Partial Payment Installment Agreements, where you pay less than the full balance over time.
• Negotiated agreements based on a detailed look at your actual ability to pay.
• Restructures of existing agreements that have become unaffordable.

What an agreement does for you

• Stops active collection — levies and garnishments — once in place.
• Replaces uncertainty with one predictable monthly payment.
• Keeps you compliant and out of escalating enforcement.
• Can be combined with penalty abatement to lower the total owed.

Who this is for

An Installment Agreement fits if you can pay your debt over time but not all at once, or if you don't qualify for a settlement. It's the workhorse of tax resolution — dependable, available to most taxpayers, and far better than ignoring the balance and inviting a levy.