A fantastic experience
Working with Luke at Choice Tax service has been a fantastic experience. His commitment to clear communication is what truly sets him apart. I was always impressed by his responsiveness to my questions.
- CarlaOur Tax Relief Services
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What is an IRS installment agreement?
An IRS installment agreement — commonly called an IRS payment plan — allows you to pay your tax debt through monthly payments instead of paying the entire balance immediately. But getting on “a payment plan” is not always as simple as choosing a monthly amount. The IRS may require financial disclosures, supporting documents, direct-debit payments, or a payment amount based on what it believes you can afford. The type of agreement available can depend on your total balance, tax history, income, expenses, assets, business status, and how much time remains for the IRS to collect.
Choice Tax Relief helps taxpayers pursue the right resolution—not merely the first payment plan the IRS is willing to accept. We analyze your account, determine which installment-agreement options may be available, and negotiate with the IRS to seek an affordable and sustainable monthly payment. Interest and penalties generally continue to accrue until the balance is paid. That is why the payment amount, agreement terms, collection statute, and possible alternatives should all be considered before an agreement is finalized.
Who Qualifies for an IRS Installment Agreement?
You may qualify for an IRS installment agreement if:
- You owe the IRS more than you can pay immediately.
- You have filed—or are prepared to file—all required tax returns.
- You can make monthly payments toward your tax debt.
- You are current with required withholding or estimated tax payments.
- You are facing IRS collection notices, levies, or possible enforcement.
- You owe too much to obtain a basic payment plan without additional review.
- The monthly payment requested by the IRS is more than you can reasonably afford.
- You own a business with unpaid income, payroll, or other federal taxes.
- You have defaulted on a previous payment plan and need help reinstating or renegotiating it.
- You do not qualify for an offer in compromise but still need a structured resolution.
Qualification does not necessarily mean that the IRS will accept any payment amount you propose. Depending on your circumstances, the IRS may review your income, allowable living expenses, assets, and available equity before approving the agreement. Our team will review the alternatives available and help determine whether a full-payment installment agreement, partial-payment installment agreement, hardship status, offer in compromise, or another resolution is the best fit.
How Our Process Works
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Investigate Your IRS Account
We obtain and review your IRS account information to determine what you owe, which returns have been filed, whether collection action is pending, and how much time the IRS may have left to collect. We also identify compliance problems, prior agreements, missing returns, penalties, liens, levies, and other issues that could affect your eligibility.
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Build and Negotiate Your Resolution
We evaluate your income, expenses, assets, liabilities, and future ability to pay. When financial disclosure is required, we prepare the applicable financial information and supporting documentation. We then communicate with the IRS and advocate for the most favorable installment-agreement terms reasonably available under your circumstances.
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Finalize the Agreement and Help You Stay Compliant
Once the agreement is approved, we confirm the terms in writing, set up direct-debit or manual payments, and make sure you understand the ongoing filing and payment requirements needed to keep the agreement in good standing. We remain available if your financial situation changes or a payment is at risk of being missed.
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The Best Tax Relief Attorney & CPA In the Business
Logan and Greg lead a team of experienced tax professionals and support staff to achieve the best possible outcomes for Choice Tax Relief's clients.
Our Clients WIN
Not the “money up front” approach
I interacted with 4 other providers before finding ‘Choice Tax Relief’. All the others were offering a ‘let’s get your money up front, then see how this all plays out for you’ approach.
- Robert
Can’t say enough good things
I can’t say enough good things about Choice Tax Relief! A special thank-you to Nathan and Luke for their help and professionalism throughout the entire process.
- Sara
Stellar company and staff
I highly recommend Choice Tax Relief. Tim & Luke were Amazing and Professional in getting my taxes done & turned in for multiple years. I will be using them for all my tax filings now and in the future. Stellar company and staff!
- JackiePayment Plan FAQs
Our Services
Installment Agreement
Set up a manageable monthly payment plan with the IRS to resolve your tax debt over time.
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Offer in Compromise
Settle your tax debt for less than the full amount owed if you qualify.
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Currently Not Collectible
Pause active IRS collection when you’re unable to pay due to financial hardship.
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Bank Levy Release
Stop or reverse an IRS seizure of funds directly from your bank account.
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Wage Garnishment Release
Stop the IRS from taking a portion of every paycheck to satisfy your tax debt.
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Unfiled Tax Returns Preparation
Get compliant by preparing and filing past-due federal and state tax returns.
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Audit Representation
Have an experienced professional handle your IRS audit from start to finish.
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Payroll Tax Relief
Resolve unpaid business payroll tax debt and protect against personal liability.
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Penalty Abatement
Reduce or remove IRS penalties for late filing, late payment, or failure to deposit taxes.
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Tax Relief
If you need immediate relief from IRS collections, call us today. You’ll get affordable, transparent pricing and a clear plan for the best possible tax debt settlement. Let the most trusted tax relief team lift the weight off your shoulders.