IRS Payment Plan & Installment Agreement

An IRS payment plan allows you to pay your tax debt over time. Payment plans stop levy and garnishment while you pay affordable monthly amounts.

Payment plans are the fastest way to stop collection action. Most approvals happen within 24 hours.

How IRS Payment Plans Work

Payment amount negotiated: You propose a monthly payment the IRS agrees is affordable and sustainable
Interest and penalties continue: Your debt grows with interest, but collection action stops
Monthly payments by specific date: You commit to paying on a set date each month (e.g., 15th of month)
Stops all collection: Levy and garnishment halt immediately once plan is approved

For smaller debts. You pay in full within 120 days through automatic debit or checks. Minimal setup.

Best for: Debts under $25,000

For larger debts. You pay monthly over years. Most common for people in collection action. Stops levy immediately.

Best for: Debts over $25,000

Approved quickly with minimal financial information. Available for debts under $50,000. Often approved within 24 hours.

Contact IRS: Call the number on your notice or work with a tax professional
Express intent to pay: Clearly state you want to establish a payment plan
Propose monthly amount: Offer what you can afford monthly (even $100-200/month is often accepted)
Provide financial info: May need to show income/expenses for larger debts
Approval and setup: Usually approved within 24 hours. First payment may be due within 30 days

Most payment plans are approved same-day or next business day. Levy action stops immediately upon approval.

1
Call IRS Collections Today
Contact immediately. Payment plans stop collection action fast.
2
Know Your Budget
Know what you can afford monthly. Even small amounts ($100+/month) are approved.
3
Propose Payment
Offer a monthly payment amount. Be honest about what you can afford.
4
Confirm & Stick to Plan
Once approved, make payments on time every month. Missing payment can restart collection action.

Our tax professionals can contact the IRS today and request a hold on collections while we review your situation.

No obligation. We will review your case and contact you.

IRS Notices

Relief Options

Levies & Garnishment

Resources