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IRS Payment Plan Attorney | Installment Agreement Help
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IRS Installment Agreement Help —
On Your Terms, Not Theirs
Most taxpayers rush into a plan that stretches their budget for years. Our tax resolution specialists negotiate based on what you actually can afford — not what the IRS thinks you should pay.
Owing the IRS is a heavy burden, but it doesn’t have to be a permanent crisis. Most taxpayers qualify for some form of payment arrangement – the IRS routinely allows monthly payments on individual and business tax debt. The key? Getting the right plan that works with your budget and protects you from involuntary collection actions.
At the W Tax Group, we specialize in structured, sustainable resolutions. Led by two veteran tax attorneys, this Michigan-based firm represents clients nationwide. Our strategy? To provide structured, sustainable payment plans aligned with your financial reality.
I had some issues with my taxes. They piled up, and I got nervous, so I contacted The W Tax Group. Steve was so nice and very helpful, and he made me feel not so nervous. They worked well with me and got my payments down to what I needed.
Taxpayers We Help
If you’re currently facing an IRS balance you can’t afford to pay in full, you may be in one of these situations:
- Struggling with tax debt from previous years.
- Dealing with income tax or complex payroll tax liabilities.
- You’ve received collection notices, like a CP504, and are worried about a wage or bank account levy.
- You want to pay your debt, but you’re worried about agreeing to a monthly payment that leaves you unable to cover your mortgage or groceries.
Our Approach: Strategy First, Then the Plan
The IRS uses a formula to calculate what it thinks you can afford. Our job? To show them what you actually can afford. We treat every installment agreement as a negotiation — not a data entry task.
We pull your IRS transcripts to confirm your exact balance, interest, and penalties. Then we conduct a thorough financial analysis using the IRS’s National Standards for living expenses — identifying every possible angle to lower your proposed monthly payment.
The IRS won’t grant a payment plan if you have any unfiled returns. We identify missing years and help you get compliant so the agency doesn’t reject your application on a technicality before it even gets reviewed.
We pick the option that saves you the most money and stress. Not every case calls for the same solution — we choose based on your specific numbers.
Very professional and always kept me informed on what was going on, even though I was freaking out. Worked a payment plan for all my back taxes that I can afford. Excellent job.
Types of Installment Agreements We Handle
Our expertise covers the full spectrum of IRS repayment options:
- Standard monthly agreements: Structured payments over the remaining life of the tax debt.
- Simple/guaranteed payment plans: Streamlined options for qualifying balances that require less financial disclosure.
- Partial payment installment agreements: These agreements allow you to pay a smaller monthly amount until the IRS’s time to collect runs out.
- Business and payroll tax plans: Companies dealing with trust fund recovery penalties and 941 liabilities may qualify for these specialized plans.
- Multi-state coordination: We negotiate with the IRS and all 50 state taxing authorities.
What this looks like in practice
A retired couple’s $561/mo IRS payment became impossible on a fixed income. We reduced it by 90%.
A couple in their early seventies had an existing IRS payment plan — $561/mo on $71,000 in debt — set up during their working years. When they retired, income dropped to Social Security and small distributions. The payment that once worked was now impossible to sustain.
Most people assume you can call the IRS, explain your situation, and get adjusted. You can’t. The IRS requires extensive documentation — bank statements, employer letters, full income verification — and rejects modifications without them. Without professional help, they would have stayed stuck at $561/mo indefinitely.
We assembled a complete financial package documenting their retirement reality and negotiated a Partial Pay Installment Agreement at just $57/mo — a 90% reduction. The remaining balance will be written off when the IRS collection statute expires. They will never have to pay it.
A couple was told an Offer in Compromise was their only option. It wasn’t — and this approach saved them more.
A married couple came in after hearing about Offers in Compromise on the radio. They had real debt they couldn’t pay and hoped to settle for less. They were good people in a tough spot who needed someone to find the right path — not just the most advertised one.
Home equity and a vehicle disqualified them from an OIC — a fact most settlement mills conveniently gloss over. That left them believing their only choice was a full installment agreement with payments they couldn’t sustain. Both options felt unworkable until they came to us.
We documented they could only afford $150/mo and that liquidating their assets wasn’t realistic. The IRS accepted a Partial Pay Installment Agreement. After 10 years of $150 payments — $18,000 total — the collection statute closed and the IRS wrote off the remaining $13,000 entirely.
If You Owe the IRS and the State
Here’s where many taxpayers, and even some general practice CPAs, run into trouble. If you owe the IRS $50,000 and the state $10,000, you can’t look at them in a vacuum.
We specialize in coordinating multi-agency debt. The IRS is often required to account for your required state tax payments when evaluating your allowable expenses. If you set up a state plan first without considering the IRS (or vice versa), you could end up with two monthly bills that exceed your income. We structure both strategically to keep your total monthly tax bill affordable.
Upon submitting information to Steve, he evaluated and made recommendations as to developing a plan to work with. Once we agreed, he went to work with the agencies involved to resolve.
What Happens if You Ignore the IRS?
The IRS is the most robust collection agency in the world. Ignoring it won’t make your debt disappear. Your eventual resolution will become more expensive and invasive. You could face:
- Compounding penalties: Interest and failure-to-pay penalties accrue daily.
- Federal tax liens: These liens become public record and can affect your credit and ability to sell property.
- Garnishments and levies: The IRS can seize a portion of your paycheck or freeze the funds in your bank account without a court order.
- Payroll collections and personal liability: When businesses fail to pay payroll taxes, the IRS assesses penalties and may hold responsible individuals personally liable, making these tax debts very risky.
When Hiring an Attorney Makes Sense
You don’t always need an attorney, especially if you’re dealing with a modest balance due. However, hiring an attorney is a strategic necessity when:
- You owe more than $50,000: The installment agreement application process and IRS requirements for financial disclosure become much more stringent at higher balances.
- Payroll taxes are involved: The IRS is aggressive with payroll taxes, and the rules for setting up payments are much more complex.
- You need a partial pay plan: Negotiating a PPIA requires a sophisticated understanding of IRS financial standards.
- A revenue officer is working your case: If the IRS has assigned a specific agent to your case, you need professional representation to handle the often high-pressure communication (and to manage exactly what information is shared).
Why Choose W Tax Group?
We are:
- Attorney-led. Licensed tax attorneys guide your case, protect you with attorney-client privilege, and offer high-level negotiation directly with the IRS.
- Resolution-focused. We don’t just “do taxes.” We solve tax problems.
- Nationwide. Although based in Michigan, we successfully represent clients in every state who must deal with the IRS.
- Data-driven. We use transcript-driven strategies to avoid unpleasant surprises from the IRS’s numbers.
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Get a Payment Plan That Works for You
You don’t have to live in fear of the next IRS letter. The W Tax Group provides legal expertise and administrative support to handle the heavy lifting and clear your path to a manageable future.
Contact us today for a confidential consultation. Let’s look at the numbers, talk to the agencies, and find a plan that helps you move forward.
