IRS Demanding a Unaffordable Lump Sum
We negotiate monthly payment plans based on your actual ability to pay, often possibly reducing demanded amounts by 60-80% through proper financial documentation.
IRS Payment Plans & Installment Agreements
Negotiate affordable monthly payment plans with the IRS. Stop collection actions and pay your tax debt over time.
Who This Helps
- Taxpayers who can't pay their full tax debt immediately
- Those facing wage garnishment or bank levies
- Business owners with back taxes
- Individuals receiving IRS collection notices
- Those who want to avoid liens and levies
- Taxpayers with consistent income but temporary cash flow issues
- Anyone needing more time to pay without harsh penalties
- Those who've defaulted on previous payment arrangements
Need to set up an IRS payment plan? We can help.
IRS payment plans, officially known as installment agreements, provide taxpayers with a practical solution for resolving tax debt through affordable monthly payments rather than impossible lump-sum settlements. At Resolve Federal Tax Group, we specialize in negotiating payment plans that fit your budget, stop aggressive collection actions, and provide the time you need to satisfy your obligations without financial devastation. The key to successful payment plan negotiation is understanding which type of installment agreement applies to your situation and ensuring you secure the lowest possible monthly payment the IRS will accept. Our experienced tax professionals analyze your income, necessary living expenses, and asset equity to determine your true ability to pay, then negotiate payment terms that leave you enough income for basic necessities. The IRS offers guaranteed installment agreements for smaller balances, streamlined agreements for amounts up to $100,000, and complex agreements for larger liabilities that require detailed financial disclosure. We navigate these options to secure the most favorable terms possible while ensuring you understand all of your rights, obligations, and implications of your payment plan. Payment plans stop levies and wage garnishments while you're in compliance, providing immediate relief from aggressive collection and peace of mind that your income and assets are protected. We also structure agreements strategically, considering factors like statute of limitations, potential future Offer in Compromise eligibility, and opportunities for penalty abatement that reduce your total liability. Beyond just setting up a payment plan, we provide ongoing support to help you maintain compliance and address issues that might arise during the installment agreement period. Don't let overwhelming tax debt paralyze you when practical payment solutions exist. Contact Resolve Federal Tax Group for a free consultation and discover how our payment plan expertise can provide immediate relief and long-term resolution.
How We Help
1
Financial Analysis & Assessment
We analyze your income, expenses, and assets to determine the lowest monthly payment the IRS will accept and identify the best type of installment agreement for your situation.
2
Payment Plan Calculation
Our experts calculate affordable payment amounts based on IRS collection standards while ensuring you can maintain necessary living expenses.
3
IRS Negotiation & Filing
We negotiate directly with the IRS, file the appropriate forms (Form 9465 or 433-A/B/F), and secure the most favorable payment terms possible.
4
Agreement Setup & Protection
Once approved, we help you set up automatic payments, ensure compliance with agreement terms, and protect you from future collection actions.
Common Problems & Solutions
Continuous Collection Notices
Setting up an installment agreement immediately stops threatening notices, levies, and garnishments, giving you peace of mind and financial stability.
Previous Payment Plan Default
We can reinstate defaulted agreements or negotiate new ones by addressing the reasons for default and demonstrating current ability to pay.
High Monthly Payment Demands
Through detailed expense analysis, we will often attempt to secure payments 50-70% lower than initial IRS demands by properly documenting necessary living expenses.
Business Payroll Tax Debt
Special handling for the trust fund recovery penalties and unpaid payroll taxes with strategies to protect business operations while satisfying payment obligations.
Multiple Tax Years Owed
Consolidate debt from multiple years into a single manageable payment plan with optimized payment allocation strategy.
Frequently Asked Questions
Monthly payments are based on your ability to pay after necessary living expenses. For debts under $50,000, you can often get 72-month payment plans. For larger debts, payments are calculated by using the IRS collection financial standards. We negotiate the lowest payment plan possible.
Options include guaranteed installment agreements (debts under $10,000), streamlined agreements (debts under $50,000), unstreamlined agreements (debts over $50,000), partial payment agreements, and in-business trust fund express agreements. We determine which type provides the best terms for your situation.
Yes, interest and some penalties continue to accrue during installment agreements, but at a reduced rate. The failure-to-pay penalty drops from 0.5% to 0.25% per month once your agreement is approved.
For streamlined agreements (under $50,000), approval can possibly happen within weeks. For larger debts requiring financial statements, it may take longer. We expedite the process to stop collection actions immediately.
Yes, you can make additional payments or pay off the balance at any time without penalty. Many clients start with lower payments and increase them as their financial situation improves.
Missing payments can result in default, causing the IRS to reinstate collection actions. We help you set up automatic payments to prevent this and can negotiate reinstatement depending on what circumstance caused the missed payment.
Ready to Get Started?
Contact us today for a free consultation. Let us help you resolve your tax problems.
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