IRS Installment Agreement
Get Back on Track With Affordable Monthly Payments
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Our 4-step
Tax Relief Process
No more calls, no more letters — you’re breaking up with the IRS.
Once you’re our client, we take over all communication.
Tell us about your IRS letters, tax debt, or unfiled returns. We’ll listen, review your situation, and explain your options.
We pull your IRS transcripts to see what the IRS sees — penalties, interest, and any missing returns — then get you filed and eligible for relief.
We design a customized strategy that fits your numbers — an Offer in Compromise, Installment Agreement, Penalty Abatement, or another relief program.
We negotiate directly with the IRS on your behalf, keep you updated every step of the way, and help you finally get back on track.
Owe the IRS more than you can pay at once?
An installment agreement (also called a payment plan) lets you pay your tax debt in smaller, manageable monthly payments instead of one overwhelming lump sum.
As long as you keep up with the terms, it can stop wage garnishments, bank levies, and other collection actions - giving you relief, control, and peace of mind.
Who Qualifies?
✅ You've filed all your required tax returns. The IRS will not approve a payment plan while returns are still missing.
✅ You can afford a monthly payment. The IRS looks at your income, expenses, and assets to decide what that payment should be.
✅ Almost any balance can qualify. Owing more than $50,000 does not shut you out. It means the plan gets set up by phone or mail with a financial review, instead of through the IRS website.
The IRS doesn’t approve everyone automatically. They review your income, expenses, and ability to pay before agreeing to a plan.
An installment agreement isn’t always the best fit — in some cases, programs like Currently Not Collectible, penalty abatement, or even an Offer in Compromise may provide more relief.
We’ll review your situation and recommend the option that works best for you.
How We Help You Through the Process
We start with a free consultation to review your situation and explain whether an Installment Agreement (or another tax relief program) is the right solution for you.
We prepare the forms, financial analysis, and documentation the IRS requires to improve your chances of approval.
We stand between you and the IRS, taking over all communication and negotiation while fighting for the best outcome on your behalf.
Why Choose Us?
Jason Smith, EA, CTRS was honored by the American Society of Tax Problem Solvers for expertise and dedication in tax resolution.
Proven expertise in solving IRS problems.
Licensed to represent you directly before the IRS.
No call centers, just real experts who know your case.
No hidden fees, no surprises.
We’ve helped clients just like you get on the right track with the IRS.
Frequently Asked Questions
You may be eligible if you've filed all required tax returns and are current with your filings. From there, what you can do online depends on the balance:
$50,000 or less — apply online for a long-term plan
If you owe $50,000 or less in combined tax, penalties, and interest and you've filed all required returns, you can set up a long-term payment plan (an installment agreement) directly on the IRS website.
Less than $100,000 — apply online for a short-term plan
If you can clear the balance within 180 days (about six months), you can request a short-term plan online. This option is open to individual taxpayers only.
More than that — it gets set up by phone or by mail
Owing more than the online limits does not mean you don't qualify for a payment plan. It means the request goes in by phone or on Form 9465 instead of through the website, and the IRS reviews your finances before approving a monthly amount.
That last point is the one most people get wrong. The $50,000 and $100,000 figures are limits on using the IRS website, not limits on getting a payment plan.
We review your situation, confirm which route fits, and handle the whole application, including the financial review if the IRS asks for one.
The IRS can cancel the plan. The same goes if a new balance piles up or a return goes unfiled. You'll get a warning letter first, with time to fix it before the IRS can start collecting again.
A canceled plan can usually be put back in place, though there's normally a fee. Easier to call us before you miss a payment than after.
Your monthly payment depends on how much you owe, how quickly the IRS requires repayment, and your ability to pay. We review your finances, explain your options in plain English, and work with the IRS to get your payment as low as your numbers allow.
This comes up a lot for people weighing whether it’s worth applying.
Fees vary:
Short‑term plans (≤180 days): No setup fee.
Long‑term plans: Direct Debit (online): ~$22 setup fee (waived for low‑income).
Non-direct debit (online): ~$69.
Phone/mail setups are higher—and some fees may be refundable for low-income taxpayers.
Ready to make your business legendary?
Our clients trust us with everything from bookkeeping and payroll to taxes and representation. Whatever your needs, Fix My Books offers personalized solutions that fit your business.