Need help setting up IRS payment plan - can't afford full payment
Hey everyone, I'm in a bit of a pickle. I got a notice saying I need to make a full payment, but there's no way I can afford that right now. Has anyone had any luck setting up a payment plan? I'm hoping to work out some kind of installment agreement that won't break the bank. Any advice on how to approach this or what to say when I call?
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AaliyahAli
I've been there, buddy. Here's what worked for me: 1. Be upfront about your situation. Tell them you can't make the full payment. 2. Ask specifically for an installment agreement. 3. Have a monthly amount in mind that you can actually afford. 4. Don't forget to ask about any fees or interest. 5. Get clear on the next steps. Good luck! Let us know how it goes.
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Ellie Simpson
This is solid advice! 👍 I'd add: be polite but firm. They deal with this stuff all day, so a little kindness goes a long way.
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Arjun Kurti
How long did it take you to set up your plan? I've been trying for weeks and keep getting the runaround 😤
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AaliyahAli
It took me about 2 weeks total. Had to call a few times tho. Keep at it!
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Raúl Mora
ugh, their payment system is such a joke. why cant they just have an online portal where we can set this up ourselves? its 2023 for crying out loud 🙄
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Margot Quinn
I found a way to actually get someone on the phone. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/Jc9x-gysK0
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Evelyn Kim
Sounds too good to be true. Has anyone else tried this?
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Diego Fisher
$20 just to talk to someone? That's ridiculous. The system is so broken 😡
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Margot Quinn
I know it sounds sketchy, but I swear it worked for me. Saved me hours of hold time. Worth every penny imho.
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Henrietta Beasley
Pro tip: if you can prove financial hardship, sometimes they'll waive penalties. Gather up docs showing your income and expenses before you call.
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Lincoln Ramiro
This! 💯 I did this and they were surprisingly understanding. Don't be afraid to lay it all out there.
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Faith Kingston
am i the only 1 who thinks its crazy we gotta jump thru all these hoops just to pay what we owe? the whole systems a 🤡 show
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Emma Johnson
Preach! 🙌 It's like they want us to fail sometimes.
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Liam Brown
ikr? feels like were playing a game where the rules keep changing and nobody tells us 🙃
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Olivia Garcia
Has anyone tried negotiating the total amount owed? I've heard sometimes they'll settle for less if you can pay a lump sum.
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Noah Lee
I tried this once. They wouldn't budge on the principal, but they did remove some penalties. Worth a shot!
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Ava Hernandez
Be careful with this. If they do agree, it can sometimes affect your credit score. Make sure you understand all the terms.
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Isabella Martin
Whatever you do, DON'T ignore it. I made that mistake and ended up owing wayyy more in the long run. Bite the bullet and deal with it now, trust me.
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