IRS Installment Agreements in Oklahoma – Everything You Need to Know

Owe the IRS but can’t pay in full?

An IRS Installment Agreement may be your best option — but the rules vary depending on how much you owe, what you’ve filed, and how you structure your finances.

At Boulanger CPA, we help Oklahoma taxpayers set up smart, affordable payment plans that protect their income and avoid IRS enforcement.



Here’s everything you need to know.

What Is an IRS Installment Agreement?

An Installment Agreement is a monthly payment plan that lets you pay off your tax debt over time.



As long as you stick to the terms, the IRS pauses collection efforts (including garnishments and bank levies).

But not all agreements are the same — and choosing the wrong one can cost you thousands in interest or get you flagged for future audits.

When Can You Request a Payment Plan?

You can request an agreement if:

• You’ve filed all required tax returns
  
  
• You owe $250,000 or less
  
  
• You’re not currently in an active Offer in Compromise or bankruptcy
  
  

The IRS will evaluate your eligibility based on how much you owe, your income, and your ability to pay.

IRS Installment Agreement Tiers (by Balance Owed)

• Under $10,000
  Automatic approval
  36-month plan
  No financials required

• $10,000–$25,000
  Still fairly easy to set up
  May require direct debit

• $25,001–$50,000
  Requires direct debit
  Longer approval process
  Possible lien filing

• $50,001–$250,000
  Requires full financial disclosure (Form 433-A or 433-F)
  Negotiated terms — not automatic
  Revenue Officer may be assigned

Over $250,000? You’ll need advanced negotiation — possibly even settlement options like an Offer in Compromise.

Types of IRS Installment Agreements

• Guaranteed Installment Agreement – For taxpayers who owe less than $10K
  
  
• Streamlined Installment Agreement – For balances up to $50K
  
  
• Non-Streamlined Agreement – Requires negotiation and full financials
  
  
• Partial Payment Agreement – Pay what you can afford, not the full debt
  
  
• In-Business Trust Fund Express Agreement – For businesses with payroll tax debt

Real Client Example: Oklahoma City Consultant

Client: Marketing consultant in OKC

• Owed $62,000 in back taxes
  
  
• IRS requested full financials
  
  
• We submitted Form 433-A, proposed $385/month
  
  
• IRS accepted — no levy, no lien filed
  

How We Structure Affordable Payment Plans

At Boulanger CPA, we:

• Pull your IRS transcript
  
  
• Calculate your “reasonable collection potential”
  
  
• Prepare IRS Form 433-A or 433-F if needed
  
  
• Negotiate directly with IRS agents
  
  
• Set up auto-debit to avoid default
  
  
• Monitor your account and keep you compliant
  
  

We work with both individuals and businesses — including those with complex income, 1099s, and payroll issues.

What Happens If You Default?

Missing payments or filing late returns will default your agreement.

The IRS may:

• Restart collection
  
  
• File liens or levies
  
  
• Require a higher monthly amount
  
  
• Cancel your agreement altogether
  
  
• We monitor our clients' agreements to make sure that doesn’t happen.

Want a Smarter IRS Payment Plan?

We help Oklahoma taxpayers avoid IRS call center chaos and get a clear, realistic Installment Agreement in place fast.

📞 Call (405) 384-4900
📅 Schedule a free tax relief consultation

✍️ About the Author

Marc Boulanger, CPA, is the founder of Boulanger CPA and Consulting PC, a CPA firm based in Oklahoma City, OK.

Marc is the author of Oklahoma Taxpayers' Guide: Taking a Stand Against the IRS and has resolved hundreds of complex federal and state tax cases.

With over a decade of experience in IRS and OTC representation, Marc helps Oklahomans navigate high-stakes tax problems with clear strategy and calm expertise.

He is a Certified Tax Representation Consultant and a member of the American Society of Tax Problem Solvers (ASTPS).

📍 Office: Oklahoma City, OK | 📞 (405) 384-4900 | 🌐 www.oklahomacity.cpa