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Here’s a clear overview of how IRS payment plans work if you owe taxes and can’t pay them all at once:

💰 What Is an IRS Payment Plan?

An IRS payment plan, also known as an installment agreement, allows you to pay your tax debt over time in monthly installments.

🧾 Types of IRS Payment Plans

1. Short-Term Payment Plan (120 days or less):

   • For balances under $100,000 (including taxes, penalties, and interest).

   • No setup fee.

   • Interest and penalties still apply.

2. Long-Term Payment Plan (Installment Agreement):

   • For balances under $50,000 if using automatic withdrawals.

   • Setup fees apply:

     • $0: If you set up automatic payments online and qualify for low income.

     • $31: Online setup with auto withdrawals.

     • $130: Setup by phone/mail/in-person (or $43 for low-income taxpayers).

   • Monthly payments are required until the full amount is paid.

📱 How to Apply

You can apply:

• Online at IRS.gov

• By phone or mail using Form 9465

You’ll need:

• Tax return filed

• Your balance due

• Bank account or card for payments

✅ Benefits

• Avoids more aggressive collection actions like wage garnishment or bank levies.

• Protects your credit from damage related to unpaid tax debt.

• Flexible plans depending on your situation.

⚠️ Keep in Mind

• Interest and late-payment penalties continue until your balance is paid in full.

• Missing a payment can default the agreement.

• Staying current with future tax filings is crucial.

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

As of 2025, Arizona employs a flat individual income tax rate of 2.5% across all income levels and filing statuses.

This flat rate was implemented in 2024 and continues into 2025.

For federal income taxes in 2025, the tax brackets are as follows:

• 10%: For single filers with income up to $11,925; for married couples filing jointly, up to $23,850.
• 12%: For single filers with income over $11,925; for married couples filing jointly, over $23,850.
• 22%: For single filers with income over $48,475; for married couples filing jointly, over $96,950.
• 24%: For single filers with income over $103,350; for married couples filing jointly, over $206,700.
• 32%: For single filers with income over $197,300; for married couples filing jointly, over $394,600.
• 35%: For single filers with income over $250,525; for married couples filing jointly, over $501,050.
• 37%: For single filers with income over $626,350; for married couples filing jointly, over $751,600.

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

Arizona has a flat income tax rate of 2.5%. This means there are no different tax brackets based on income levels. Every taxpayer in Arizona, regardless of their income, pays the same 2.5% rate on their taxable income. This flat tax structure was implemented for the 2023 tax year, which means it applies to income earned in 2023 and reported on 2024 state tax returns.

Here are some additional resources you might find helpful:

• Arizona Department of Revenue Individual Income Tax Information: https://azdor.gov/
• Arizona Tax Guide: What You’ll Pay in 2024: https://states.aarp.org/arizona/arizona-tax-guide-what-youll-pay-in-2024
• NerdWallet Arizona State Income Tax: https://www.nerdwallet.com/h/category/taxes

It’s important to note that while there are no separate tax brackets, Arizona does have various tax credits and deductions that can help reduce your tax liability. You can find more information about these on the Arizona Department of Revenue website.

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

2023 Arizona Tax Brackets for Single Filers

For earnings between $0.00 and $26,500.00, you’ll pay 2.59%For earnings between $26,500.00 and $53,000.00, you’ll pay 3.34% plus $686.35For earnings between $53,000.00 and $159,000.00, you’ll pay 4.17% plus $1,571.45For earnings over $159,000.00, you’ll pay 4.5% plus $5,991.65

2023 Arizona Tax Brackets for Married Joint Filers

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

A tax audit is when the IRS chooses to look into your tax return a little more comprehensive and verify that your income and deductions are true. Usually, your tax return is selected for audit when something you entered on your return is not common. There are 3 main kinds of IRS audits: a mail audit, an office audit and a field audit.

Mail Audits

No matter what kind of audit the IRS chooses to carry out, you will get notification of it through mail. A mail audit is the most straightforward kind of IRS review and doesn’t require you to meet with an auditor personally.

Usually, the IRS petitions for additional documentation to prove different items you reported on your return. For instance, if you claim $5,000 in philanthropic deductions, the IRS might send you a letter calling for evidence of your donations. Typically, submitting adequate evidence will complete the audit in your favor if the IRS is content.

Office Audits

An office audit is a face-to-face audit carried in a local IRS office. This type of audit is usually more detailed than a mail audit and typically comprise of questioning by an audit officer about details on your return. You will be requested to bring particular information to an office audit, like the books and records for your company or your personal financial institutional statements and receipts. You additionally have the right to bring a CPA or attorney to represent you during the audit.

Field Audits

A field audit is the most comprehensive kind of review that the IRS carries out. In such a situation, an IRS agent will carry out the audit at your home or business. Usually, field audits are done when the IRS is double checking more than one deduction. A field audit is typically very detailed and will cover a lot, if not all, issues on the return.

Potential Results of an Audit

There are three potential results of an IRS audit. When the IRS is content with your explanations and the documents you submitted, then they won’t change anything on your return. If the IRS suggest changes to your tax return, you could either agree and approve the changes or question the agent’s evaluation. If you are in agreement, you will sign an review report or other document offered by the IRS and establish some kind of payment agreement. When you are in disagreement with their findings, you can schedule a meeting with an IRS supervisor to further examine your case or you can petition for a formal appeals meeting.

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

2022 Arizona Tax Brackets for Single Filers

For earnings between $0.00 and $26,500.00, you’ll pay 2.59%For earnings between $26,500.00 and $53,000.00, you’ll pay 3.34% plus $686.35For earnings between $53,000.00 and $159,000.00, you’ll pay 4.17% plus $1,571.45For earnings over $159,000.00, you’ll pay 4.5% plus $5,991.65

2022 Arizona Tax Brackets for Married Joint Filers

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

2021 Arizona Tax Brackets for Single Filers

For earnings between $0.00 and $26,500.00, you’ll pay 2.59%For earnings between $26,500.00 and $53,000.00, you’ll pay 3.34% plus $686.35For earnings between $53,000.00 and $159,000.00, you’ll pay 4.17% plus $1,571.45For earnings over $159,000.00, you’ll pay 4.5% plus $5,991.65

2021 Arizona Tax Brackets for Married Joint Filers

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

2021 Tax Brackets for Single Filers and Married Couples Filing Jointly

2021 Tax Brackets for Married Couples Filing Separately and Head-of-Household Filers

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.

A tax audit is when the IRS chooses to look into your tax return a little more comprehensive and verify that your income and deductions are true. Usually, your tax return is selected for audit when something you entered on your return is not common. There are 3 main kinds of IRS audits: a mail audit, an office audit and a field audit.

Mail Audits

No matter what kind of audit the IRS chooses to carry out, you will get notification of it through mail. A mail audit is the most straightforward kind of IRS review and doesn’t require you to meet with an auditor personally.

Usually, the IRS petitions for additional documentation to prove different items you reported on your return. For instance, if you claim $5,000 in philanthropic deductions, the IRS might send you a letter calling for evidence of your donations. Typically, submitting adequate evidence will complete the audit in your favor if the IRS is content.

Office Audits

An office audit is a face-to-face audit carried in a local IRS office. This type of audit is usually more detailed than a mail audit and typically comprise of questioning by an audit officer about details on your return. You will be requested to bring particular information to an office audit, like the books and records for your company or your personal financial institutional statements and receipts. You additionally have the right to bring a CPA or attorney to represent you during the audit.

Field Audits

A field audit is the most comprehensive kind of review that the IRS carries out. In such a situation, an IRS agent will carry out the audit at your home or business. Usually, field audits are done when the IRS is double checking more than one deduction. A field audit is typically very detailed and will cover a lot, if not all, issues on the return.

Potential Results of an Audit

There are three potential results of an IRS audit. When the IRS is content with your explanations and the documents you submitted, then they won’t change anything on your return. If the IRS suggest changes to your tax return, you could either agree and approve the changes or question the agent’s evaluation. If you are in agreement, you will sign an review report or other document offered by the IRS and establish some kind of payment agreement. When you are in disagreement with their findings, you can schedule a meeting with an IRS supervisor to further examine your case or you can petition for a formal appeals meeting.

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.