Installment Agreements | Affordable Repayment Plans

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Not everyone qualifies to settle IRS debt for less — and that’s okay.

For many taxpayers, the most effective way to stop IRS collections is an Installment Agreement (IA): a legal, structured payment plan that fits within IRS guidelines and protects your income.

At Newline Tax Group, we negotiate Installment Agreements that stop garnishments, prevent levies, and keep you compliant under the IRS Fresh Start program framework.

👉 Get Help With an IRS Notice

An Installment Agreement is a form of IRS tax relief that allows you to pay back taxes over time through scheduled monthly payments.

Once approved and kept current:

• IRS wage garnishments stop
• bank levies are prevented
• active collection actions pause
• your account remains in good standing

Installment Agreements are often the best option when hardship status or a full settlement isn’t realistic, but immediate payment isn’t possible.

👉 Check Your Eligibility

The IRS offers several types of payment plans, depending on balance size and financial profile.

For balances under $10,000.
Approval is automatic when requirements are met.

For balances up to $50,000.
Typically does not require full financial disclosure.

Monthly payments are based on ability to pay, even if the full balance will not be paid before the IRS statute expires.

For balances over $50,000.
Requires full financial disclosure and negotiation with the IRS.

Choosing the wrong plan can increase risk.

We help identify the correct structure and negotiate terms properly.

👉 Learn How Tax Resolution Works

Anyone can submit Form 9465.

That doesn’t mean the IRS will accept a payment amount that protects you.

Here’s how we help:

• calculate payment terms using IRS financial standards
• prevent agents from forcing unaffordable payments
• protect wages and bank accounts from levy
• ensure compliance to avoid default or cancellation
• communicate directly with IRS officers — not call centers

Our licensed IRS Enrolled Agents negotiate payment plans that are sustainable, not just acceptable.

👉 Check Your Eligibility

Can the IRS garnish wages once I’m on a payment plan?
No. Once an agreement is accepted and payments remain current, active garnishments and collections stop.

Do penalties and interest stop?
Interest continues until the balance is paid, but aggressive enforcement and additional penalties are avoided.

What happens if I miss a payment?
The IRS may default the agreement. We help clients resolve missed payments quickly and reinstate protection when possible.

IRS agents are trained to collect as much as possible.

Our role is to ensure your payment plan is fair, sustainable, and compliant — so collections stop and stay stopped.

If you’re ready to regain control and move forward, we can help determine whether an Installment Agreement fits your situation.

👉 Check Your Eligibility