When you cannot pay your tax debt in full, the IRS may also accept monthly payments to gradually pay your debt. Our goal is to keep you lien free while qualifying you for the lowest possible monthly payment. Often taxpayers make the mistake of trying to negotiate a payment plan on their own. Huge No-No. In many cases we can obtain a Partial Pay Installment Agreement, or other types of payment plans much lower than an individual taxpayer can finalize on their own. We prefer the IRS know as little about your financial situation as legally possible.