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    Tax Relief Services

    Installment Agreements

    Set up manageable monthly payment plans to pay off your tax debt over time.

    An installment agreement is the workhorse of tax resolution: a formal monthly payment arrangement that stops enforced collection while you pay the IRS over time. Most taxpayers qualify for one, and for most tax debts it is the fastest way to end the threat of levies and garnishments.

    The catch is that not all agreements are equal. The IRS will happily accept a payment higher than the rules require, and taxpayers negotiating alone routinely agree to numbers they cannot sustain, default, and end up worse off. The type of agreement matters too: streamlined arrangements set up quickly with minimal disclosure, ability-to-pay agreements built from your actual budget, and partial pay agreements that can retire less than the full balance when the collection statute runs out.

    We determine which structure fits your debt and your budget, set it up directly with the IRS, and make sure the payment is one you can actually live with. From our Naperville office we represent individuals and businesses nationwide.

    Is this your situation?

    • You owe the IRS more than you can pay at once but could handle a monthly amount
    • Notices are escalating and you want enforcement stopped before it starts
    • You have an agreement already but the payment is crushing you
    • You defaulted a prior agreement and need it reinstated
    • A garnishment or levy is active and you need it released

    How We Resolve It

    1. 1

      Balance and compliance check

      We pull your transcripts, confirm exactly what you owe across all years, and get any unfiled returns identified, because the IRS will not finalize an agreement with missing returns.

    2. 2

      Choose the structure

      Streamlined, ability to pay, or partial pay. We run the numbers on each and pick the one that costs you least over the life of the debt.

    3. 3

      Document your budget

      Where financials are required, we present your income and expenses under IRS allowance rules so the payment reflects what you can genuinely afford.

    4. 4

      Negotiate and confirm

      We set up the agreement directly with the IRS, confirm terms in writing, and get active levies released.

    5. 5

      Keep it alive

      We advise on the compliance rules that keep the agreement in force and renegotiate if your circumstances change.

    Which agreement type fits you?

    Streamlined agreements cover most individual balances and set up quickly without full financial disclosure. Ability-to-pay agreements use your documented budget when the streamlined payment would be unaffordable. Partial pay installment agreements are the least known and often the most powerful: when your budget cannot retire the debt before the collection statute expires, the IRS can accept payments that total less than you owe, with the remainder expiring with the statute. Choosing the right type is the single biggest money decision in the process, and it is exactly where representation pays for itself. Estimate your monthly payment with our free tax relief calculator.

    What to expect once the agreement is active

    Enforced collection stops: no new levies or garnishments on the covered debt while you stay current. Interest and a reduced late payment penalty continue to accrue on the balance, which is why we also evaluate penalty abatement alongside every agreement. Direct debit is usually worth choosing, since it prevents missed-payment defaults and matters for lien decisions. Miss the rules and the agreement defaults; we set reminders around the ones that bite.

    How We Help

    • Payment sized to IRS rules, not to fear
    • Active levies and garnishments released
    • Partial pay structures evaluated on every case
    • Existing unaffordable agreements renegotiated
    • Free consultation with a licensed enrolled agent

    Frequently Asked Questions

    You request one from the IRS with your balance and proposed terms, online, by form, or through a representative. Approval is routine when returns are filed and the payment meets IRS guidelines. We handle the request, the financial presentation where required, and the confirmation in writing.

    Nearly anyone who is current on filing. Unfiled returns are the most common blocker, so we resolve those first. The debt size and your finances determine which type of agreement applies, not whether you can get one at all.

    Yes. Monthly installment agreements are the most used resolution program the IRS offers. The real questions are what monthly amount the rules support in your case and which agreement type costs you least over time.

    You can, but understand that whatever payment you agree to on that call becomes your baseline. IRS phone agents will accept an amount higher than the guidelines require without telling you. Know your number before anyone asks you for one.

    No, they continue on the unpaid balance at a reduced penalty rate. That is why we pair agreements with penalty abatement review, and why paying the debt down faster, when genuinely affordable, can be worth it.

    Get Help Now

    Speak with a licensed tax professional about your installment agreements case. Book a no-obligation tax resolution case evaluation.

    (331) 215-7663Book a No-Obligation Tax Resolution Case Evaluation
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    BBB Accredited A+ Rating