Tax Payment Plans

Are you searching for the best payment plan for your tax debt?

You can gather detailed information on tax debt payment options below.
Or, you can save yourself time and confusing IRS technical language. Talk to our friendly Tax Associates now.

Get a Personalized Tax Debt Payment Consultation

We will design the IRS payment program that works best for you

Tax payment plans made easy: Here are your next steps

1. Contact us if you need more time to pay your tax debt

If you cannot make your IRS tax payment, the worst thing you can do is ignore the problem. The IRS can take collection action. Penalties and interest charges make your tax debt snowball.

2. File your tax return on time (even if you can't pay)

It’s important to file your tax return by the deadline to avoid additional penalties for failing to file. If you are under pressure, you can ask for an extension, but penalties do apply. We can do this for you.

3. Request a temporary delay

If you are experiencing financial hardship, request a temporary payment delay through us. This option is only a stop-gap, but can give you time to manage your finances.

4. Calculate what you can save

We are relentless in our efforts to save you money in tax debt. Knowing how much you can save by using our expertise will keep you motivated to confront your debt.

Try our tax debt forgiveness calculator

Lowering your tax debt is possible. Take the first step.

You have a big weight on your shoulders. Our team is geared up to negotiate big savings for you.

Tax debt forgiveness calculator

NOW, the BEST time to resolve your tax debt.

  • Disclaimer

    This estimate is not guaranteed. The savings in the Tax Debt Forgiveness calculator is approximate based on the parameters described by you. The savings total may change once we receive all the required financial data. We then negotiate with the authorities to obtain the best savings outcome possible.

These are some of our IRS tax payment plan solutions

Installment Agreement

An installment agreement is a plan that allows you to make monthly payments to the IRS over a period of time. This is the most common option. You can apply if you owe $50,000 or less in taxes, penalties, and interest. This is also known as a PPIA.

Learn more

Offer in Compromise

An Offer in Compromise is an agreement between you and the IRS to settle your tax debt for less than the total amount you owe. This option is only available if you cannot fully pay your tax debt. You must meet specific eligibility requirements. We recommend you call us to get more information.

Learn more

Currently Not Collectible Status

If your financial situation is unlikely to change to be able to pay at all, you may be eligible for Currently Not Collectible status. This means the IRS will temporarily stop collection efforts on your tax debt.

Learn more

Partial Payment Installment Agreement (PPIA)

A partial payment installment agreement is a payment plan that allows you to make smaller monthly payments to the IRS. By giving you a longer period to pay, you will pay the debt in full. This option is typically available if you owe more than $50,000.

Learn more

What other payment options can help me pay my tax debt?

Some lenders can help you pay your tax debt, Carefully consider the terms and conditions of the loan. Weigh the benefits against the costs.

Credit card balance transfers

You can transfer your tax debt to a credit card that offers a 0% interest rate on balance transfers. This option depends on a good credit score.

It can also be risky if you can’t pay off the balance before the interest rate increases. Also, you may max out your credit line and block additional purchases.

Home equity loans

If you own a home, you can take out a home equity loan to pay off your tax debt. This type of loan usually has a lower interest rate than personal loans.

Remember that your home is used as collateral for the loan. You could risk losing your home if you can’t make the payments.

Personal loans

You can take out a personal loan from a bank, credit union, or online lender to pay off your tax debt.

However, personal loans usually have higher interest rates than others. Also, you may need a good credit score to qualify.


In some cases, filing for bankruptcy may be an option to discharge or reduce tax debt.

Considered a last resort, please use a qualified bankruptcy attorney that understands the potential consequences.

The IRS payment plans we mentioned

While not technically a loan, an IRS payment plan can be a good option.

Again, we can help you narrow down the best IRS plan for you to spread the payments over monthly installments. 

Carefully consider the terms and conditions of each option and choose the one that makes the most sense for your financial situation.

Let Us Help You Define The Best Payment Option

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"My husband passed away and we owed the IRS a lot of money. Dealing with trying to get a person to help me at the IRS was a joke and caused me great anxiety. I had no idea where to begin but thanks to Tax Relief Helpers, they stayed by my side the whole way. There's no way I'd be able to handle these tax problems alone.”
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  • Will an IRS payment plan affect my credit?

    An IRS payment plan may affect your credit score, but it depends on the type of payment plan you have and how you manage it.

    If you have an Installment Agreement with the IRS, your payment history will not be reported to credit bureaus unless you default on the agreement.
    However, if you default and spur a Notice of Federal Tax Lien against you, the lien will be reported to credit bureaus – and harm your credit score.

    An outstanding tax liability settled with an Offer in Compromise may be reported to credit bureaus. However, when you pay the settlement amount in full, any tax liens will be released and removed from your credit report.

    It’s important to note that the impact on your credit score will depend on the credit reporting agency. Different agencies may have different ways of reporting tax liens and payment plans. However, if you can make your IRS payments on time and in full, this can help you maintain a good credit score.

  • What happens if I owe more than $50,000 to the IRS?

    Please don’t deal with the IRS alone. Tax Relief Helpers has decades of combined experience and a fully qualified team to handle a complex case like yours.

    All our resources are at your service to ensure you get the best payment solution for your unique case. Even our competitors come to us as subcontractors to handle challenging cases – so you know you must be in the right hands!

  • Do you owe more than $25,000 in business back taxes?

    A combined tax debt plus penalties and interest of less than $25K is usually eligible for a plan to pay the debt in full within 24 months.

    If you owe more than $25,000, you may still be eligible for a payment plan, but you will need to provide extra financial information to the IRS in addition to Form 9465. You must provide information about your business, tax debt, and proposed payment plan.

    You may also be required to pay a setup fee and interest on your unpaid tax balance.

  • What are my next steps for corporate shutdown?

    This can be a complex and challenging process.
    Corporate Shutdown is a last resort
    Steps include

    • Notifying Employees, Customers & Other Stakeholders
    • Liquidating assets
    • Paying debts
    • Filing for dissolution with the appropriate regulatory authorities. Sometimes, a company may enter bankruptcy proceedings to restructure its operations and pay off its debts.

    Financial difficulties, bankruptcy, mergers, acquisitions, or strategic reasons by the management can lead to this drastic decision.

    From that point on, a brand new Corporate Formation can take place. The structure protects personal assets from business debts and liabilities.

    Whether you are a business owner or an individual taxpayer, we have qualified professionals to guide you through tax troubles.