The problem
An unpaid balance keeps growing with penalties and interest. If it's ignored, IRS notices escalate over time, and collection action can follow.
Many people can't get a payment plan approved because one or more returns are still unfiled. Until those years are filed, the conversation about paying the balance usually can't move forward.
Who this is for
- Anyone with a balance due and one or more unfiled returns
- People catching up on past years who expect to owe
- Self-employed workers who fell behind on filing
- Anyone who received a notice showing a balance due
How we help
We prepare and file any missing returns so you're eligible for a payment plan. Along the way, we review your balance with you so you understand what's owed and for which years.
Payment plans and IRS negotiations are handled by licensed resolution professionals we partner with. When your filings are complete, we connect you with them and, with your permission, share your filed returns so they start with a full picture. The IRS makes the final decision on any plan.
What the process looks like
- 01
Review your balance
We confirm what's owed and for which years.
- 02
File missing returns
We prepare and file every year that's missing.
- 03
Become eligible
Your filings are complete, so a plan can be requested.
- 04
Partner handoff
Licensed resolution partners handle the plan and any IRS negotiations.
Frequently asked questions
Do you set up the payment plan for me?
No. We prepare and file the returns. Payment plans and IRS negotiations are handled by licensed resolution professionals we partner with.
Why do my returns need to be filed first?
The IRS generally requires all required returns to be filed before it will approve a payment plan. Filing them is the part we handle.
Does the IRS approve every payment plan?
No. The IRS makes the final decision on each request. Your resolution professional can explain what to expect for your situation.
Do penalties and interest stop on a payment plan?
Interest and some penalties generally continue until the balance is paid in full. Paying more when you can reduces the total cost.