IRS payment plans in Miami.
We review what you owe, compare the payment options that may fit and help you apply. With your authorization, we talk to the IRS for you.
A clear plan for what you owe.
We start with the full picture: every tax year, every balance and any returns still missing. Then we look at which option is realistic for you.
- Review every balance
- Each tax year and amount owed, so nothing is missed.
- Check your filings
- Required returns need to be filed. We identify any that are missing.
- Compare your options
- Paying over a short time, a monthly installment agreement, or another option.
- Help you apply
- And, with your authorization, communicate with the IRS for you.
Which payment option may fit?
Choose the situation closest to yours to see how the IRS’s options compare.
- Time to pay
- Up to 180 days
- Apply online
- Individuals who owe less than $100,000 in combined tax, penalties and interest
- IRS setup fee
- $0
- Interest and penalties
- Continue until the balance is paid in full
The shortest path costs the least, because interest and penalties stop once the balance is paid.
- Time to pay
- Monthly payments
- Apply online
- Individuals who owe $50,000 or less in combined tax, penalties and interest and have filed all required returns
- IRS setup fee
- $29 online with direct debit · $69 online without · $107 or $178 by phone, mail or in person
- Interest and penalties
- Continue until the balance is paid in full
Low-income taxpayers may have the setup fee waived or reimbursed. Direct debit avoids missed payments.
- Offer in Compromise
- May let you settle for less than the full amount, if you qualify
- Delaying collection
- The IRS may temporarily delay collection if paying would prevent you from meeting basic living expenses
- What the IRS reviews
- Your income, expenses and assets
These options depend on a full review of your finances. We help you see which one, if any, is realistic.
Learn about Offer in Compromise- What we check
- Every tax year with a balance and any returns still missing
- Bring
- Your IRS notices and recent tax returns
- Then
- We compare the options that may fit and explain the next steps
Unfiled returns usually need to be filed before a long-term plan is possible.
Amounts and setup fees as listed by the IRS for individuals; fees can change. Businesses and larger balances have other ways to apply. We confirm what applies to your situation. Source: IRS, Payment plans; installment agreements.
Keep your plan in good standing.
While a payment plan is being considered or in effect, the IRS generally won’t take enforced collection action such as a levy. Future refunds may be applied to your balance.
Make every payment on time
Direct debit helps you avoid a missed payment.
File future returns on time
An unfiled return can put the plan in default.
Pay new taxes when due
A new balance can also cause a default.
Call if things change
If you receive a notice of intent to terminate, contact the IRS right away. We can help.
Four steps, start to finish.
No guesswork. Here’s what happens, in order.
- Step 1
Review what you owe
Every tax year and balance, plus any returns still missing.
- Step 2
Choose a realistic option
We compare a short-term plan, an installment agreement and other options.
- Step 3
Authorize your representative
We explain and arrange IRS Form 2848 so we can speak with the IRS for you.
- Step 4
Apply and follow through
We help you apply and explain how to keep the plan in good standing.
What to bring to your review
Bring the records you have. We’ll explain what else is needed for your situation.
- Every IRS notice about the balance, all pages.
- Recent tax returns, and a list of any years not filed.
- Recent income records.
- Information about monthly household or business expenses.
- Recent bank statements.
- Information about assets, loans and other debts.
Bring documents to your appointment, or use the client portal if you already have an invitation. Please don’t send tax documents, Social Security numbers or bank details by email or through the general website contact form.
Qualified to represent you before the IRS.
Enrolled Agents are federally licensed tax professionals with broad representation rights before the IRS. With your authorization, an EA can communicate with the IRS about payment plans and other collection matters.
We explain your options and your next steps in English or Spanish.
- Federally licensed
- Enrolled Agents are licensed by the IRS.
- Broad representation rights
- Including collection matters, before the IRS.
- With your authorization
- Your representative can communicate with the IRS for you.
Source: IRS, Understanding tax return preparer credentials and qualifications.
Good questions. Clear answers.
Tap a question to see the answer. Short, plain and in your language.
7 questions
What kinds of payment plans are there?
Short-term plans give you up to 180 days to pay in full. Long-term plans, called installment agreements, let you pay monthly.
Do interest and penalties stop?
No. Interest and some penalties continue until the balance is paid in full, so paying sooner costs less.
Are there setup fees?
Short-term plans have no IRS setup fee. Long-term plans currently cost $29 to $178 to set up, depending on how you apply and whether you use direct debit. Low-income taxpayers may have the fee waived or reimbursed.
Do I need to file my missing returns first?
To apply online for a long-term plan, you need to have filed all required returns. We identify any missing years and explain the next steps.
Will the IRS levy me while I’m on a plan?
Generally, no. The IRS generally won’t take enforced collection action while a payment plan is being considered or in effect, as long as you keep to its terms.
What if I miss a payment?
A missed payment, an unfiled return or a new balance can put the plan in default, and reinstating it may cost a fee. If you receive a notice of intent to terminate, contact the IRS right away. We can help.
What if I can’t afford a payment plan?
Other options may exist, such as an Offer in Compromise or a temporary delay in collection. We review which one fits your situation.
General information, not tax advice for your situation. IRS, Payment plans; installment agreements.
Let’s look at what you owe, together.
Call to discuss your balance and your options, in English or Spanish.