Owe Taxes and Can't Pay? You Can SAVE THOUSANDS

IRS wants to get the most out of you by offering you a streamlined (or general) payment plan which doesn't consider your current living expenses or any hardship you may be experiencing, but there is a way to save up to 80% on your monthly installment agreement or even fully wipe your tax debt, here's how.

Published on 23 Nov 2025

There is a simple solution to save 80% on your monthly payments if you're trying to setup a payment plan agreement with the IRS or even if you're already in a payment plan agreement with them.

Owing IRS can be frustrating, especially when the IRS refuses to offer you a payment plan below a certain amount. What if you can't afford it, or the payments are just too high to pay, leaving you with zero dollars?

Why the IRS won't work with you?

The reason the IRS won't go below a certain amount is simple. Their method is to take your entire tax debt and divide it by 72 months. The rule of 72…it is used to calculate the time needed to double an investment! As the time periods go on, your interest accrues and the IRS grows wealthier and wealthier. There is no consideration for your monthly expenses or any hardship you may be experiencing.

This is called the IRS streamlined installment plan (or the general payment plan). If you’re dealing with the IRS on your own, this is the only option available out there.

So how do you get a better payment plan agreement?

While most of the Americans in tax debt just give up and don't make any payments, this only worsens the problem and leads to a series of unfortunate events, such as levies, bank account freezes, and wage garnishments.

You would think that you deserve better treatment from the government as an American citizen, and you’re exactly right. There is hope...with the recent expansion of the Fresh Start program from the federal government, qualifying for relief is easier than ever before.

Dealing with the IRS alone is like going to court without a lawyer.

You don't know the laws, and you simply can't defend yourself to get the best possible outcome. That is why the Fresh Start program exists.

Working with a tax debt professional can help you reduce your monthly payments up to 80%, depending on your situation.

A tax debt professional will negotiate with the IRS on your behalf and explain the details of your situation, helping you get a fair monthly payment plan that will also leave some money in your pocket for any other emergencies you can potentially face.

If you're ready to talk to a tax debt professional, take this short quiz to get a better installment agreement with the IRS.