An IRS payment plan that fits verified facts

Individuals, self-employed taxpayers, and businesses that owe a verified federal balance they cannot pay in full, need to replace an unaffordable proposal, or must address an installment agreement that is pending, changing, or in default.

• You cannot pay the verified balance in full
• Missing returns must be filed before a request
• A proposed monthly payment is not affordable
• An existing agreement defaulted or circumstances changed

• The assessed balance, included tax periods, payment history, penalties, interest, and remaining IRS collection timeframe
• All required returns and current withholding, estimated-tax payments, or federal tax deposits needed for compliance
• The terms, direct-debit record, missed payments, new balances, and IRS correspondence for an existing or defaulted agreement
• Reliable monthly income and necessary living or operating expenses relevant to the applicable collection procedure
• Cash, investments, real estate, vehicles, business interests, retirement accounts, loan balances, and available equity when disclosure is required
• Near-term cash-flow changes that could make a proposed payment unsustainable or create a new tax balance

We confirm all required returns, estimate current-year payments, and assemble the information needed for the applicable IRS procedure. The goal is a request that is complete, supportable, and consistent with ongoing compliance.

Interest and applicable penalties generally continue during an installment agreement. Approval, payment amount, fees, lien treatment, and default consequences vary by the taxpayer's circumstances and current IRS rules.

• Verify the balance, penalties, payments, and filing status
• Prepare accurate income, expense, asset, and debt information when required
• Compare streamlined and financially verified procedures
• Plan for current taxes so a new balance does not default the agreement

• A verified balance and filing-compliance summary for every period expected to be included
• A calculation of a supportable monthly payment or payoff period based on the applicable IRS procedure and the client's current facts
• Completed installment-agreement and collection-information forms, schedules, and supporting records when required by the agreed scope
• An organized submission package and communication log for an authorized IRS request
• A comparison of the proposed agreement with other reasonably relevant collection paths
• A current-compliance calendar covering future returns, withholding, estimated payments, or federal tax deposits that could affect the agreement

Protect sensitive records. Do not send tax documents, Social Security numbers, bank records, IDs, or other sensitive files through ordinary email. Call the office before transmitting sensitive records.

• The latest IRS balance notices and all correspondence about an existing or proposed agreement
• Filed returns and IRS account transcripts for the affected periods
• Recent bank and investment account statements for the taxpayer and business, when applicable
• Pay statements, pension or benefit records, profit-and-loss reports, and other reliable income evidence
• Housing, transportation, health-care, court-ordered payment, insurance, and other necessary-expense support
• Asset, loan, mortgage, vehicle, retirement-account, and secured-debt records when financial disclosure is required
• Proof of current withholding, estimated payments, federal tax deposits, and all recently due filings
• Existing direct-debit information and proof of payments made under a prior agreement

An IRS installment agreement covers federal liabilities; the same rules apply to a qualifying taxpayer in Deerfield Beach as elsewhere. Florida does not impose an individual income tax, but Florida Department of Revenue business-tax balances require a separate state arrangement and cannot be folded into an IRS plan. A complete cash-flow review should account for both federal and Florida obligations when both exist.