Installment Agreements – Manageable Payment Plans

If you owe the IRS and can’t pay the full amount right away, you’re not alone—and you do have options. One of the most common and effective tax resolution tools is the Installment Agreement, which allows you to pay off your tax debt over time in manageable monthly payments.

At Janet M. Sienicki LLC, we help taxpayers structure affordable agreements that keep them protected from IRS enforcement. Here’s what you need to know.

What Is an Installment Agreement?

An Installment Agreement is a formal payment plan between you and the IRS that allows you to pay your tax debt over time, typically in monthly installments. Once accepted, it can:

• Stop or prevent IRS collection actions (like levies and garnishments).
• Provide an affordable structured monthly payment
• Allow you to regain compliance and peace of mind.

Example: How It Works

Sarah, a single mom and freelance designer, owed the IRS $62,000 after several years of underpayment. She couldn’t pay it all at once and was worried about losing her bank account to a levy. With help from a tax resolution professional, she:

• Provided financial documentation to prove her inability to full pay.
• Qualified for a Non-Streamlined Installment Agreement.
• Began making $975 monthly payments without fear of collections.

Now she’s back in control, compliant with the IRS, and working toward full resolution.

How We Help

Navigating the IRS’s rules for installment agreements isn’t always easy. At Janet M. Sienicki LLC, we:

• Evaluate your eligibility and recommend the right type of plan.
• Prepare and submit the necessary documentation.
• Negotiate to lower your monthly payment if you qualify.
• Ensure the IRS stops all enforcement once your agreement is approved.

Start Today

If you owe back taxes and can’t pay in full, don’t wait for the IRS to take action. Contact Janet M. Sienicki LLC for a free consultation to explore your installment agreement options and protect your financial future.