IRS & NJ tax problems · Back taxes and payment plans
IRS Payment Plan and Back Tax Help in Bergen County
If you owe more than you can pay at once, the IRS has several ways to spread it out. The right one depends on how much you owe, what you can afford and what the IRS could otherwise collect. We set it up and keep it from defaulting.
Monday to Friday 10am to 6pm, weekends 11am to 5pm.
What we handle
A plan you can keep.
The best plan is the one that does not default six months in.
Installment agreements
Monthly payments set up online or through the IRS, with the setup fee kept as low as possible.
Larger balances
Plans over $50,000 need a full financial statement. We prepare it so the payment the IRS asks for is one you can make.
Partial-pay plans
Monthly payments that will not cover the full balance before the IRS's collection deadline, when that is all you can afford.
Hardship status
Currently-not-collectible status when there is no room in the budget at all.
Penalty relief alongside
First-time abatement or reasonable-cause requests to shrink the balance before or during the plan.
State plans too
New Jersey and New York payment arrangements, lined up with the federal plan.
How it works
From the bill to a settled plan.
You authorize us
You sign a power of attorney, IRS Form 2848, online. From then on IRS notices come to us too, and we speak for you.
We size the plan
We confirm the balance on your transcripts and work out what you can pay each month.
We set it up
We request the agreement and make sure every return and estimate stays current so it holds.
Common questions
Questions people ask first.
Does interest stop on a payment plan?
No. Interest continues, but the failure-to-pay penalty is cut in half, to 0.25% a month, while the plan is in place for a return filed on time.
Will the IRS file a lien?
It can, and it is more likely on larger balances. A lien can sometimes be avoided or later withdrawn, for example with a direct-debit plan on a balance of $25,000 or less.
What if I miss a payment?
The plan can default and collection restarts. If something changes, call us first. Plans can often be revised before they default.
How long does the IRS have to collect?
Generally 10 years from the date the tax was assessed. That deadline shapes which plan makes sense.
Owe more than you can pay?
The first consultation is free. Bring your latest IRS notice and we will lay out the options.