IRS Payment Plan Help in Orange County

There are three steps to resolve irs penalties.

Struggling With an IRS Tax Bill? Let Us Help You Set Up a Manageable Payment Plan

If you owe more to the IRS than you can afford to pay in full, you’re not alone. Millions of Americans are in the same boat — and the IRS knows it. That’s why payment plans, also known as installment agreements, exist. At Boulanger CPA and Consulting PC, we help Orange County taxpayers set up affordable IRS payment plans that stop collections and put you back in control.

What Is an IRS Installment Agreement?

An installment agreement is a formal arrangement between you and the IRS that lets you pay off your tax debt over time in monthly payments. It can prevent or stop enforcement actions like wage garnishments, bank levies, and tax liens if set up correctly and on time.


There are multiple types of IRS payment plans:



  • Short-Term Payment Plans (180 days or less)
  • Guaranteed Installment Agreements (balances under $10,000)
  • Streamlined Agreements (balances under $50,000 with full payment in 72 months)
  • Partial Payment Installment Agreements (based on financial hardship)




Why You Might Need Professional Help Setting One Up

Setting up a payment plan isn’t just about picking a number you can afford. It’s about:


  • Understanding how the IRS calculates your minimum payment
  • Negotiating terms if your case doesn’t qualify for automatic approval
  • Avoiding default (which resets enforcement)
  • Choosing the best plan to avoid penalties and interest



We work directly with IRS collections to make sure your plan is accepted, realistic, and sustainable.

How We Help You Set Up a Successful IRS Payment Plan

  1. Transcript Review: We pull your IRS records to verify balances, compliance, and collection status.
  2. Plan Qualification & Analysis: We identify the best type of plan based on your income, expenses, and IRS guidelines.
  3. Form Preparation: We prepare IRS Form 9465 and other required financials (e.g., Form 433-F or 433-A if needed).
  4. IRS Communication: We speak directly with IRS representatives so you don’t have to.
  5. Ongoing Support: We ensure the plan stays in place and help you stay in compliance to avoid future issues.


What Happens If You Ignore the IRS?

Without an agreement in place, you risk:

  • Wage Garnishment
  • Bank Levy
  • Tax Lien on your home or business
  • Increased penalties and interest


Getting a payment plan in place pauses active collection and gives you a path forward. It also improves your standing if you later seek an Offer in Compromise or penalty abatement.


Stop IRS Collections Now – Learn About Wage Garnishment Help

Get a Real Plan for Your IRS Debt – One That Works

Let us help you take control of your tax debt with a plan that fits your budget and stops the pressure.



Schedule your confidential payment plan review today.


[Book Your Consultation] [Call 657-218-5700] [Email marc@boulangercpa.com]

FREQUENTLY ASKED QUESTIONS

  • Do I have to fill out financial forms?

    Maybe. If you owe less than $50,000 and can pay within 72 months, the IRS may not require full financials. Larger balances require Form 433-A or 433-F.


  • Can I set this up online myself?

    Yes, but only for balances under $50,000. Higher balances, complex financials, or enforcement cases are best handled by a CPA.

  • Will this stop a wage garnishment or levy?

    Often, yes. Getting a plan accepted can trigger a hold or release of enforcement actions.

  • Will the IRS keep charging penalties and interest?

    Yes, but slower. Some penalties are frozen. You may still benefit from Penalty Abatement if you qualify.