Get a Federal Tax Payment Arrangement That Fits Your Budget

A federal tax payment arrangement lets you pay a tax balance over time instead of all at once. The IRS offers multiple repayment schedule types based on the amount owed, your financial situation, and how quickly you can pay. Clean Slate Tax structures federal payment arrangements, negotiates manageable monthly terms, and monitors your account to help prevent default.

Your Tax Payment Arrangement Options Side by Side

How We Negotiate a Manageable Monthly Obligation

For Streamlined plans, the IRS wants you to divide the balance by 72 or 84 months. That number is not necessarily what you have to accept. If your actual allowable expenses leave less than that calculated amount, you can qualify for a lower payment. Clean Slate Tax documents your housing, transportation, utilities, food, and healthcare expenses against the IRS National and Local Standards and negotiates the payment down to what you can genuinely afford.

For non-streamlined plans requiring Form 433-A financial disclosure, we prepare a complete financial package that presents your situation accurately and positions your case for the lowest qualifying monthly payment. A well-prepared 433-A significantly affects the outcome.

The IRS repayment schedule in default or close to it?We renegotiate defaulted payment arrangements and get you back in compliance before enforcement resumes. Call 1-888-588-5429 Now

Set Up a Payment Arrangement While Limiting Collection Pressure

A pending payment arrangement request generally prevents the IRS from taking new enforcement actions. Once an agreement is approved and payments begin, the IRS cannot initiate new levies or garnishments while the agreement remains in good standing. Clean Slate Tax files your monthly arrangement application immediately after engagement to establish enforcement protection as quickly as possible.

If you have an active levy or garnishment, we stop the enforcement simultaneously while setting up the arrangement. Both tracks run in parallel so the resolution and the enforcement protection happen together.

Anthony Surace, CPA, founded Clean Slate Tax with more than 20 years of experience in federal payment arrangements, repayment negotiation, and default resolution. A Rutgers University graduate and member of the American Institute of Certified Public Accountants and the New Jersey Society of Certified Public Accountants, Anthony and his team have helped thousands of clients across the country resolve their The IRS and state tax issues. Clean Slate Tax carries a 4.8 out of 5 Google rating. Call 1-888-588-5429 for a free case review.

Common Questions About Structured Tax Repayment

How do I set up a payment arrangement with the IRS?

You can apply through The IRS Online Payment Agreement or by calling the IRS directly, but both approaches limit your ability to negotiate the payment amount. Clean Slate Tax submits the application on your behalf through the Practitioner Priority Service, which allows direct negotiation of the payment terms.

Can I pause my the IRS monthly arrangement if I lose my job?

You can request a temporary hardship modification that reduces or suspends payments. The IRS may grant a short-term reduction. Clean Slate Tax files the modification request and documents the hardship to protect your agreement from default.

What happens if I miss a payment?

Missing a payment puts your agreement in default. The IRS can then terminate the agreement and reinstate full collection activity. Clean Slate Tax monitors all active payment arrangements and alerts you before a missed payment triggers default.

Does a repayment schedule mean the IRS stops charging interest?

No. Interest and the failure to pay penalty continue to accrue on the unpaid balance even during an active installment agreement. The rate is currently the federal short-term rate plus 3%. This is one reason we simultaneously pursue penalty abatement — removing penalties reduces the accruing base and saves money over the life of the plan.