IRS Payment Plans · Nationwide

You Have More Options Than The IRS Will Tell You.

Most people accept the first payment plan the IRS gives them because they don't know anything else exists. Our federally-licensed team reviews your full financial picture, identifies which program you qualify for, and negotiates directly with the IRS, so you're not stuck paying more than you should.

(720) 826-6072 Check my eligibility

50+ years of combined experience
Confidential & no obligation

Eligibility Check

Find out which IRS payment options you may qualify for

A few quick questions, then we’ll connect you with an account executive for a free call.

Do you have any unfiled tax returns?

Do you owe the IRS, your state, or both?

Does any of this apply to you?

Roughly how much do you owe in total? (a rough estimate is fine)

Name *

Phone *

Email (optional)

Anything you’d like us to know? (optional)

Here’s the honest answer.

For balances under $10,000, full representation usually isn’t the most cost-effective path, you can often resolve this directly with the IRS yourself, for example through a short-term or streamlined installment agreement. We’d rather tell you that than take you on as a case that doesn’t need us.

If your situation is more complicated than the number suggests, unfiled returns, a levy, multiple years, give us a call and we’ll tell you honestly whether it’s worth a closer look.

Talk it through, (720) 826-6072

Sound familiar?

A balance you can’t pay all at once shouldn’t run your life.

Mounting penalties & interest

Balances that keep growing while you decide what to do. A payment plan stops the spiral of inaction, and in some cases penalty relief may be possible.

Back taxes & unfiled returns

The IRS generally requires you to be current on filings before approving a payment plan. We help you get caught up and eligible.

IRS notices & letters

CP14s, balance-due notices, certified mail you’re afraid to open. We translate what they actually mean and what to do next.

Payments you can’t afford

The IRS’s first proposal isn’t always what your budget can handle. We negotiate terms based on your actual financials.

Wage garnishment

The IRS taking part of your paycheck? A properly structured agreement is often the path to getting it released.

Bank levies

A levy on your account is urgent. The sooner we talk, the more options you have.

How it works

From an eligibility check to a plan, in three steps.

Eligibility check

Answer a few questions, then talk with an account executive about what’s going on. No judgment, no obligation.
An Enrolled Agent reviews your case

Once we have the full picture, one of our federally-licensed Enrolled Agents reviews your case and lays out which payment options your facts support, in plain language.
We set up your plan with the IRS

We handle the agency directly, negotiate the terms, and get your agreement in place, so you can finally breathe.

IRS payment options & eligibility

Named IRS programs, and the truth about who qualifies.

Every program below comes from the IRS’s own rules, not a generic promise. Your Enrolled Agent will tell you which ones your specific facts actually support, before you commit to anything.

Installment Agreement A structured monthly payment plan with the IRS, sized to what you can actually pay. Streamlined agreements, partial-pay agreements, and other variations each have their own qualification rules.
Currently Not Collectible status If even a modest monthly payment would create financial hardship, the IRS can pause collection instead. We evaluate this alongside payment plan options.
Penalty Abatement First-Time Abate or reasonable-cause relief from IRS penalties, if you qualify, which can shrink the balance your plan is built on.
Unfiled return catch-up Getting prior-year returns filed correctly so you’re eligible for a payment plan in the first place.
Offer in Compromise An IRS program with strict financial qualification criteria. We evaluate whether your facts actually support one before you commit.
Innocent Spouse Relief Relief from a joint tax liability caused by a spouse or ex-spouse’s errors.

Real experiences, real results

A team you can actually trust.

5.0 average from 74 Google reviews

Nicolette Zarlengo, EA and Rolland J. Kersch III, EA worked as a seamless team from El Dorado Tax Solutions, LLC. As the principal representative Nicolette provided my company with professional and dedicated assistance in resolving a complex IRS miss-use of my company’s TIN to another entity’s tax filing. The misallocated tax by the IRS would have proved devastating. The correction took patience and time to resolve, and I was fully briefed of El Dorado’s efforts all along the way. I had no doubt that the resolution would eventually happen, and I could see that a tax expert was the only way to manage the complex and time-consuming process. Thanks to Nicolette and Rolland for your professional support. El Dorado Tax Solutions hires very capable and professional staff to assist in solving complex tax issues.

Andrew White · Google review · 7 months ago

I received an unsolicited call from this company today. 4/20/26 After a short conversation the individual I talked to determined that El Dorado could not assist me based on my situation. But I was also given some advice that could be helpful. I appreciate their professionalism and I'll honestly consider using them for assistance in the future.

m m (Blackcvpi) · Google review · 6 months ago

Sean Gouran at El Dorado has been an exceptional partner to work with. Our nonprofit qualified for funds that were lost during COVID, and Sean guided us through every step of the process to recover them years later. His support, responsiveness, and consistency have made a meaningful difference for our organization. We’re grateful for his expertise and for the outstanding service El Dorado has provided throughout the entire experience!

Mason Garcera · Google review · 10 months ago

El Dorado Tax Solutions was incredible to work with. They saved me just under $60,000 and made the entire process easy, clear, and stress-free. Super knowledgeable, responsive, and genuinely helpful from start to finish. I would recommend them to everyone without hesitation.

Jeff Crum · Google review · 8 months ago

Helped us clear a state lien worth almost $20k - the State didn't process our tax returns properly and we ended up with a small, but very satisfying refund! The team was always responsive, professional, compassionate. Definitely a 5 Star experience 🤩

Kimberly Dickerson · Google review · 6 months ago

See all our Google reviews →

Questions people ask first

How much will my monthly payment be?

It depends on how much you owe, the IRS’s financial standards, and your actual income and expenses. There’s no honest one-size answer, which is exactly why an Enrolled Agent reviews your numbers first, so the plan is built on what you can genuinely afford rather than the IRS’s first proposal.

Can I get a payment plan if I have unfiled returns?

Generally the IRS requires you to be current on your filings before it will approve an installment agreement. That’s not a dead end, it’s step one: we help you get the missing returns filed correctly, then set up the plan.

Do you handle state tax too, or just IRS?

Both. Whether it’s federal, state, or both, your case will be reviewed by an Enrolled Agent who can sort out where you stand and which programs apply.

How fast can you help if I’m being levied or garnished?

These are time-sensitive, so reach out right away, by phone is fastest. The sooner we’re involved, the more options there usually are.

You don’t need pressure. You need a payment you can live with.

We can help you understand which IRS payment options you may qualify for.