Lucita
IRS payment plans that fit your budget
Can’t pay in full? We negotiate installment agreements that stop collection pressure and keep you in good standing.
Pay over time. Stay out of collection.
Lucita sets up installment agreements that match your cash flow — and helps you avoid defaults that restart liens and levies.
Affordable monthly structure
We negotiate payment amounts based on what you can sustain — not an arbitrary IRS demand.
Stop escalating enforcement
An approved plan can pause aggressive collection while you catch up responsibly.
Acted on your behalf
Paperwork, IRS follow-up, and modifications when income changes — handled by Lucita.
What payment plan help includes
From application through ongoing compliance — so the agreement actually works.
Installment agreements
Set up monthly payments the IRS will accept — and you can afford.
- Installment agreement applications
- Payment amount negotiations
- Streamlined agreement processing
- Partial payment installment plans
When a plan isn’t enough
Alternatives if full monthly payments still don’t fit your budget.
- Currently Not Collectible guidance
- Payment plan modifications
- Hardship documentation support
- Coordination with penalty relief
Setup that sticks
Direct debit, compliance checks, and support so the agreement stays in good standing.
- Direct debit setup assistance
- Compliance monitoring and support
- Help if income or expenses change
- Avoid default that restarts collection
Replace a lump-sum demand with a plan you can keep
Structured payments, fewer surprises, and a path back to good standing with the IRS.
Talk to LucitaYour path to an approved installment plan
Clear steps from first review to payments that stick.
- 01
Review your balance
We confirm what’s owed, filing status, and what you can realistically pay each month.
- 02
Choose the right plan
Streamlined, guaranteed, or partial-pay — matched to your debt level and cash flow.
- 03
Apply & negotiate
Lucita prepares the request and works with the IRS on terms that fit.
- 04
Stay in good standing
Set up payments, file on time, and adjust if life changes so collection doesn’t restart.
Related IRS resolution services
Frequently asked questions
It’s a formal arrangement to pay your tax debt over time in monthly payments instead of all at once — while staying in compliance with the IRS.
In most cases, yes. Missing returns usually need to be filed before the IRS will approve a lasting payment plan. We can help with catch-up returns.
It depends on the balance, your income and expenses, and which agreement type you qualify for. We’ll model realistic numbers before applying.
You may qualify for Currently Not Collectible status or another hardship path. We’ll evaluate that before pushing an unaffordable plan.
Schedule a free consultation. Bring your notices and a rough sense of monthly cash flow, and we’ll outline the best plan type.
Ready for a payment plan with Lucita?
Book a free consultation and leave with a realistic monthly payment strategy.