Affordable Monthly Payments for IRS Debt.

Owing back taxes to the IRS can feel overwhelming—but you don’t have to pay the full amount all at once. An IRS Installment Agreement allows you to pay your tax debt through manageable monthly payments while stopping aggressive collection actions.

En Perez-Roura Law, our Miami tax resolution attorneys help you negotiate realistic payment terms with the IRS so you can regain control of your finances without fear of levies, garnishments, or liens.

What Is an IRS Installment Agreement?

An Installment Agreement is a formal payment plan that allows taxpayers to repay their tax debt over time in fixed monthly installments. Once approved, the IRS agrees to pause collection efforts—including wage garnishments, bank levies, and property seizures—as long as you comply with the terms of the agreement.

This is one of the most common tax resolution strategies, often used as a foundation for lien removal, penalty relief, or other settlement options down the road.

Types of Installment Agreements.

Depending on your total tax liability and financial situation, you may qualify for different types of payment plans:

1. Guaranteed Installment Agreements

• For taxpayers who owe $10,000 or less in back taxes.
• The IRS must approve the agreement if you meet the requirements.
• Simple to set up and typically does not require detailed financial disclosures.

2. Streamlined Installment Agreements

• Available for individuals who owe up to $50,000.
• Payments can be spread over 72 months or less.
• No extensive financial review required, as long as you agree to automatic payments.

3. Customized (Regular) Installment Agreements

• For taxpayers with more than $50,000 in tax debt or complex financial situations.
• Requires a full financial disclosure through IRS Form 433-A or 433-B.
• The IRS reviews your income, expenses, and assets to determine what you can afford to pay.
• Negotiation is key—this is where experienced tax attorneys can make a significant difference.

Benefits of an IRS Installment Agreement

Setting up a properly structured installment plan can provide immediate relief and long-term stability:

• Stops IRS collection actions, including levies and garnishments.
• Prevents new wage garnishments or bank levies while you make payments.
• Creates a predictable repayment schedule that fits your financial reality.
• Helps bring you back into tax compliance, avoiding additional penalties and interest.
• May serve as the first step toward lien removal or penalty abatement.

How Perez-Roura Law Helps

While some taxpayers attempt to set up payment plans on their own, the IRS may push for higher monthly payments than you can realistically afford. Working with an experienced IRS Installment Agreement lawyer in Miami can help you secure terms that truly fit your budget.

Our team will:

1. Evaluate your financial situation to determine the best type of agreement.
2. Prepare the necessary IRS forms and supporting documentation as required.
3. Negotiate directly with the IRS to reduce your monthly burden.
4. Protect you from collection actions during the application process.
5. Monitor compliance to ensure the agreement remains in good standing.

Why Work with Perez-Roura Law?

We understand that every tax situation is unique. Our legal team combines in-depth knowledge of IRS procedures with personalized guidance to help you secure a plan that provides lasting relief—not just short-term fixes. Our goal is to give you breathing room, allowing you to focus on rebuilding your financial stability.

Speak with an IRS Installment Agreement Lawyer in Miami

If you owe back taxes and need a payment plan that works for you, don’t face the IRS alone.

Call Perez-Roura Law today at (305) 570-3259 or contact us online to schedule a free consultation. Let our team help you set up an affordable IRS Installment Agreement and protect your financial future.