IRS Payment Plans for Sacramento and California Taxpayers

Struggling to pay your tax debt in full? You may be eligible for an IRS payment plan, also known as an Installment Agreement, which allows you to pay off your tax balance over time in manageable monthly installments.

Whether you’re facing federal tax debt from missed filings, underpaid taxes, or accrued penalties, an installment plan can help you avoid more aggressive IRS enforcement actions like levies or wage garnishments. For taxpayers in Sacramento and throughout California, working with a local tax professional can make the process smoother and more effective.

At BackTaxesHelp.pro, we help individuals and businesses understand their options, apply for the right type of plan, and negotiate the most favorable terms possible.

What Is an IRS Payment Plan?

An IRS payment plan is a formal agreement that allows you to repay your tax debt over a period of time. There are several types of plans depending on how much you owe and your ability to pay:

• Short-Term Payment Plan
  Typically for tax debts under $10,000. Pay in full within 180 days.
• Long-Term Payment Plan (Installment Agreement)
  For larger balances or if more time is needed. Monthly payments are based on your income and expenses.
• Partial Payment Installment Agreement (PPIA)
  Allows you to pay a reduced amount over time if you can’t afford to pay the full balance.
• Direct Debit Installment Agreement
  Automatically debits your monthly payment from your bank account—often a requirement for higher balances.

Benefits of Setting Up an IRS Installment Agreement

• Prevents or halts IRS collection actions like levies or garnishments
• Protects your credit and assets
• Offers a structured path toward full resolution
• May lead to penalty reductions in some cases

While these plans can be lifesaving, navigating the IRS application process and understanding which plan is right for you can be overwhelming. That’s where we come in.

Get Expert Help Negotiating Your IRS Payment Plan

With nearly 30 years of experience in federal and state taxation, William D. McConnaughy, CPA has helped countless California taxpayers—including residents of Sacramento—secure affordable and effective IRS payment arrangements. We’ll evaluate your financial situation, communicate directly with the IRS on your behalf, and ensure you’re not overpaying or being penalized unnecessarily.

Resolve Your Tax Debt—One Payment at a Time

Don’t let back taxes spiral out of control. If you’re in the Sacramento area or anywhere in California, we can help you take the right steps toward financial stability and peace of mind.

📞 Call (916) 979-7690 or request a consultation by email to get started.