Installment Agreements

From Impossible Debt to Manageable Payments

That growing pile of IRS notices represents more than money—it’s sleepless nights, constant stress, and the feeling that you’re drowning in a system designed to collect, not to help. Every day without a plan, interest and penalties compound your debt while the threat of enforcement looms larger.

But here’s what the IRS doesn’t advertise: they would rather have a sustainable payment plan than force you into financial ruin. When properly structured and presented, installment agreements provide relief for both you and the government—stopping enforcement while creating a realistic path to resolution.

At Frazier Law, we don’t just set up payment plans—we design financial strategies that restore your peace of mind while protecting your future.

The Real Cost of Avoiding Payment Plans

Without an accepted installment agreement, your IRS debt becomes a growing threat that can destroy your financial life:

Compound Growth of Debt Interest continues compounding daily while penalties stack on top. A $10,000 debt can easily become $15,000 or more just by waiting to act.

Asset Seizure Without Warning Bank levies can empty your accounts overnight. Wage garnishments can take up to 25% of your income with minimal exemptions. Your home, car, and business assets all become targets.

Credit Destruction Federal tax liens filed for unpaid taxes devastate credit scores and prevent you from obtaining mortgages, business loans, or even some employment opportunities.

Loss of Control Without a payment plan, the IRS sets the collection timeline and methods. They decide when to levy, what to seize, and how much to take—regardless of your other financial obligations.

Business and Career Impact IRS collection actions can force business closures, prevent contract awards, and even affect professional licenses and security clearances.

How We Transform Overwhelming Debt Into Workable Solutions

Streamlined Agreement Setup

For straightforward situations under $50,000

• Verify balances, analyze transcripts, and confirm eligibility for streamlined processing
• Calculate optimal payment amount using IRS standards while protecting essential expenses
• Prepare and submit streamlined installment agreement application with supporting documentation
• Coordinate automatic withdrawal setup and compliance monitoring

Comprehensive Financial Analysis

For larger debts requiring detailed financial disclosure

• Prepare complete financial statement with supporting documentation and verification
• Analyze allowable expenses under IRS Collection Standards to maximize available payment
• Negotiate payment terms that balance IRS requirements with realistic family budgets
• Handle all correspondence and follow-up requests during processing and review

Appeals-Level Negotiation

When initial payment proposals are rejected

• Challenge inadequate payment determinations through formal Appeals process
• Present alternative financial analysis and documentation supporting reduced payments
• Negotiate partial payment agreements or alternative collection resolutions
• Coordinate with other relief options like Currently Not Collectible status when appropriate

Complex Collection Resolution

For high-stakes cases with enforcement threats

• Coordinate directly with assigned Revenue Officers on urgent collection matters
• Prepare litigation-ready financial analysis and documentation for maximum leverage
• Negotiate comprehensive agreements addressing multiple tax years and entity structures
• Maintain Appeals readiness while pursuing administrative resolution

Note: Trial preparation and representation handled through separate engagement

Our Strategic Process: From Crisis to Compliance

Step 1: Complete Financial Assessment We analyze your entire financial picture—income, expenses, assets, and obligations—to determine what payment amount serves your long-term interests while satisfying IRS requirements.

Step 2: Strategic Positioning Not every payment plan follows the same rules. We identify whether streamlined processing, partial payment agreements, or other resolution options provide better outcomes for your situation.

Step 3: Professional Presentation We prepare your financial disclosure the way IRS personnel expect to see it—complete, accurate, and professionally documented. Poor presentation leads to unrealistic payment demands.

Step 4: Ongoing Protection We monitor your agreement, handle compliance issues, and coordinate modifications when your financial situation changes. A payment plan is only valuable if you can maintain it.

Why Clients Trust Frazier Law With Their Payment Plans

Deep Understanding of IRS Collection Standards Led by Charles R. Frazier, Esq., LLM (Tax), we know exactly how IRS personnel calculate acceptable payment amounts and how to present your financial situation for optimal results.

Multi-State Practice, Federal Focus Licensed in Tennessee, Michigan, and Texas, we handle federal collection matters regardless of your location. IRS collection operates under federal standards that require federal expertise.

Advanced Financial Planning Credentials

• Certified Estate Planning Law Specialist (EPLS)
• Accredited Estate Planner (AEP)
• Charted Financial Consultant (ChFC)

These certifications demonstrate our ability to coordinate tax payment plans with comprehensive financial planning for long-term success.

Educator’s Approach to Financial Stress We explain exactly how installment agreements work, what to expect during the process, and how to maintain compliance. Understanding reduces anxiety and improves outcomes.

Serving All Types of Taxpayers and Situations

Whether you’re an individual dealing with personal tax debt, a small business managing payroll tax obligations, or a larger enterprise with complex multi-entity collection issues, we tailor our approach to your specific situation and capacity.

Every case receives comprehensive analysis and strategic positioning designed to provide sustainable long-term resolution.

Start Your Path to Financial Peace

Don’t let IRS debt control your life any longer.

Schedule a confidential strategy session where we’ll review your financial situation, explain your payment plan options, and design a strategy that works for your real-world budget. No judgment, no pressure—just practical solutions for serious situations.

Because everyone deserves a manageable path forward.

Frequently Asked Questions