How This Married Couple Resolved $180,000 in Back Taxes

A family of four finds a realistic solution for their 6-figure tax problem

Updated in April 2023

Setting Up a Conditional Installment Agreement


Taxpayers who owe more than $25,000 to the IRS may qualify for a Conditional Installment Agreement. Like other types of installment agreements, this allows you to pay off tax debt over time in amounts that are realistic for your situation. Here’s how this husband-wife duo were able to bounce back from $180,000 in tax debt.


Despite being fully compliant with their tax return filings, Mike and Terry, a married couple with two kids in Los Angeles County, CA, were confronted with an outstanding balance of $180,000 from the previous 3 years.


Because of their combined monthly income of $20,000 along with their equity in assets, the couple qualified for a Conditional Installment Agreement (CIA). With this solution, Mike and Terry were able to arrange a direct debit (ACH bank) payment plan of $2,500 per month.


The resolution went smoothly, with the entire process taking only 2.5 months. This included 3 weeks for IRS negotiations and 7 weeks for setting up the direct debit Conditional Installment Agreement for Mike and Terry. In this case, since the balance owed exceeded $25,000, this became a Conditional Installment Agreement instead of a Streamlined Installment Agreement (SIA).

Account Diagnosis

Program Evaluation

Submission & Monitoring

See if you qualify for Conditional Installment Agreement