Installment Agreements
Every flavor of IRS installment agreement, priced flat.
Overview
An installment agreement (IA) is a legally binding payment plan with the IRS. The right structure — guaranteed, streamlined, non-streamlined, or partial-pay — depends on the balance owed, your ability to pay, and the remaining collection statute. We match the program to your facts and set up the plan so it stays in good standing.
What's Included
- Guaranteed IA (under $10,000, automatic acceptance)
- Streamlined IA (under $50,000, no financials)
- Non-streamlined IA (Form 433-F/433-A financials)
- Partial-Pay Installment Agreements (PPIA) that expire with the CSED
- IA reinstatement for defaulted agreements
Frequently Asked Questions
What's the difference between an installment agreement and an OIC?
An IA pays the full balance (plus interest) over time. An OIC settles the debt for less than the full amount and closes it out. IAs are easier to obtain; OICs are more selective but wipe more debt.
Can I have both an IA and an OIC pending?
Yes — many taxpayers stay in an IA while their OIC is under review. If the OIC is accepted, the IA closes with the offer. If it's rejected, the IA continues.
What happens if I miss a payment?
The IA defaults after one missed payment plus a grace period. The IRS sends a CP523 notice and, if not cured, resumes full collection. We handle reinstatement requests and can often restore the plan without a new financial statement.
Can the monthly payment be adjusted later?
Yes. If your income drops or expenses increase, we can request a modification (Form 9465 or informal reallocation) and reduce the monthly amount — often to $0 in hardship cases.
See our full Tax Resolution, Tax Prep & Bookkeeping FAQ.
Related Services
Installment Agreements Across Northeast Florida
We handle installment agreements cases for taxpayers and small business owners throughout the Jacksonville metro. Choose your city for locally-tailored details, ZIP codes served, and city-specific FAQs.
Also serving all of Duval County, St. Johns County, Clay County, and Nassau County. See the full Jacksonville tax attorney overview.
Ready to talk about Installment Agreements?
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