😓 Owe the IRS—but don’t have the cash?

If you’re facing a tax balance you can’t afford to pay right now, the IRS will often let you pay it off over time through an Installment Agreement—but it has to be done right.

At Nirvana Business Consulting, we help small business owners set up smart, compliant IRS payment plans that protect their business and sanity.

  • 📌 What’s an Installment Agreement?

    An Installment Agreement is a formal payment plan between you and the IRS. It allows you to:

    Avoid enforced collection actions (levies, liens, etc.)

    Pay your balance over several months or years

    Stay in good standing—even with tax debt

    There are several types depending on how much you owe and your financial situation.

  • ✅ Who’s It For?

    You may qualify if:

    You owe under $250,000 in combined taxes and penalties

    You’ve filed all required tax returns

    You’re not currently in bankruptcy

    You want to avoid levies or wage garnishment

    You can make regular payments—even if small

  • 🛠️ What We Help With

    We make sure your IRS payment plan is set up properly, and fits your cash flow and business goals.

    ✔️ Determine the right type of agreement (short-term, guaranteed, streamlined, partial pay)
    ✔️ Review your IRS account and compliance history
    ✔️ Prepare and submit Form 9465 and/or Form 433-A/B
    ✔️ Respond to IRS follow-up requests
    ✔️ Avoid unnecessary fees, penalties, or default

  • ✨ Why Work With Nirvana?

    🧮 We make the math work.
    We help you calculate a payment that the IRS will accept—and you can actually afford.

    🧠 We keep it simple.
    Our goal is to get you a clear monthly payment and protect you from collection stress.

    🌈 We’re proudly Black-owned, woman-owned, LGBTQIA+-owned
    We advocate for business owners who are often overlooked or underserved by traditional financial systems.

  • 🎓 DIY: Installment Agreement Kit

    Handle it yourself with smart tools and support.

    Step-by-step guide to Form 9465

    Payment plan options breakdown

    Transcript request guide

    Email/call scripts for IRS contact

    Perfect for: Simple balances under $10k and confident communicators

    Access Here

  • 👥 Done With You (DWY)

    You submit it—we build your plan together.

    Strategy session + eligibility review

    Form prep or review

    IRS submission guidance

    Perfect for: Clients with modest tax debt who want to be involved

    DWY Intake Questionnaire

  • 🙌 Done For You (DFY)

    We set up your payment plan start to finish.

    Full transcript review

    Form completion + submission

    Communication with IRS

    Monitoring + adjustment if needed

    Perfect for: Clients with balances over $25k or IRS notices already received

    DFY Intake Questionnaire

“I was ready to panic—but Marian helped me set up a payment plan for $175/month. The IRS stopped calling, and I could finally breathe again.”

— Aaron F., Consultant