Pay over time · Stop enforced collection

IRS Installment Agreements

Owe more than you can pay at once? A monthly plan you can actually afford — set up right, the first time.

A payment plan that fits your life

When you can't pay the IRS in full, an installment agreement lets you pay over time — but the monthly amount the IRS proposes isn't always one you can live with. A CPA structures the agreement around your real finances, so the payment is sustainable and you stay compliant while you pay it down.

Done wrong, a payment plan defaults — and the IRS resumes enforced collection. Done right, it buys you predictability and peace of mind.

Full review of what you owe, by tax year, before anything is filed
Payment amount structured around your actual income and expenses
The agreement negotiated and set up with the IRS on your behalf
Protection from levies and garnishments while the agreement is in good standing
Guidance on staying compliant so the plan never defaults

Every engagement starts with a $150 consultation (credited toward your engagement) and one flat upfront quote — no hourly meter, no surprise bills. Installment agreement engagements typically run $2,000–$2,500 is the typical range for this work; your exact number comes from the consultation.

Book consultation — $150 Call 888.212.9966

How it works

$150 consultation — we look at what you owe and whether a payment plan is your best move.
Financial review — income, expenses, and assets, mapped the way the IRS looks at them.
Proposal — we determine a monthly amount you can sustain and prepare the request.
Setup — the agreement is negotiated and established with the IRS.
Stay on track — we show you exactly what keeps the plan in good standing.

Common questions

Will the IRS just take whatever payment I offer?

Not exactly — the IRS has its own view of what you can afford, based on your finances. A CPA makes sure the number is both acceptable to the IRS and livable for you.

Can I still get levied while on a payment plan?

While an installment agreement is being considered and while it's in good standing, enforced collection is generally held off. If the plan defaults, that protection ends — which is why the setup matters.

What if I can't afford the payment anymore?

Life changes. Agreements can often be renegotiated — but you have to act before you default. Call before you miss a payment, not after.

Do I need a CPA for this, or can I set it up myself?

Simple cases can be self-serve. But if you owe across multiple years, have penalties stacking up, or the proposed payment would break your budget, professional setup pays for itself.

Not sure where to start? Get the $350 IRS Transcript Review

DISCLOSURE: Information on this page does not constitute tax, legal, or financial advice. A professional engagement is contingent upon the mutual execution of a formal Engagement Letter.
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