IRS Payment Plans & Tax Resolution — Nationwide

IRS Installment Plan Help: Settle Back Taxes on Terms You Can Afford

Last updated: May 2026 — Information current as of this date

If you owe the IRS and can’t pay it all at once, an installment agreement lets you pay over time and stops the letters, liens, and levy threats. We’ll set up the right plan for your situation — fast.

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Payment Options

Which IRS Installment Plan Is Right for You?

The IRS offers several payment arrangements, and the one you qualify for depends on how much you owe and your finances. We find the lowest-cost option you actually qualify for.

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Short-Term Payment Plan

For balances you can clear within 180 days — no setup fee, you simply pay down the balance plus interest over a few months.

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Long-Term Installment Agreement

Monthly payments for balances under $50,000, typically over up to 72 months. The most common solution for individuals and small business owners.

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Partial-Pay Installment Agreement

If you genuinely can’t pay the full amount, you may qualify to pay a reduced monthly amount — with the balance potentially expiring.

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Offer in Compromise

In hardship cases, the IRS may accept less than the full balance. We assess whether you realistically qualify before you spend money chasing it.

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Currently Not Collectible

If paying anything would create hardship, we can request a pause on collection while your finances recover.

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Unfiled & Back Returns

Most resolutions require you to be current on filings first. We prepare and file missing returns so you’re eligible for a plan.

Why It Matters

Stop the Collection Pressure Before It Escalates

IRS debt doesn’t go away on its own — it grows with penalties and interest, and unanswered notices lead to liens and levies. Getting into a plan changes your status from “delinquent” to “in agreement.”

Stops Active Collection

Once an installment agreement is in place, the IRS generally halts levy action on your wages and bank accounts as long as you stay current.

Reduces Penalties

Being in an approved agreement can cut the failure-to-pay penalty rate, and we’ll pursue penalty abatement where you qualify.

Protects Your Income

A wage or bank levy can take money before you ever see it. A plan replaces that risk with a predictable monthly payment you control.

Led by a Tax Strategist

Brandt Michelet brings Fortune-500 financial discipline to your case — we deal with the IRS so you don’t have to.

FAQ

IRS Installment Plan — FAQ

How do I set up an IRS installment plan?

We review your balance and finances, confirm your filings are current, and submit the right agreement — short-term, long-term, or partial-pay — on your behalf. Most individual agreements under $50,000 can be approved quickly.

How much will my monthly IRS payment be?

It depends on your total balance and the plan term (up to 72 months for many agreements). We structure the lowest defensible payment you qualify for so it fits your budget.

Will an installment plan stop IRS levies and garnishments?

Generally yes. Once an agreement is approved and you stay current, the IRS halts new levy and garnishment action. We can also request relief on existing levies as part of the resolution.

Can I get IRS penalties reduced?

Often, yes. Being in an approved agreement lowers the failure-to-pay penalty, and first-time or reasonable-cause penalty abatement can remove more. We pursue every reduction you qualify for.

What if I have unfiled tax returns?

You usually must be current on filings before the IRS approves a plan. We prepare and file your back returns first, then set up the agreement — all in one engagement.

Do you help with business payroll tax debt?

Yes. Payroll (941) debt is treated aggressively by the IRS because it includes trust-fund taxes. We move quickly to get businesses into compliance and into an agreement.

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