Typically, a taxpayer can call the IRS and request an installment agreement for themselves or their businesses without help from experts. However, It is a well known fact that most businesses or individuals that are on an installment agreement default the terms of their agreement typically within a year or 2 of establishment. The reason for this is that typically when tax payers handle their own resolution, or have their CPA resolve it for them, there is not a true depiction of the financial state of the taxpayer presented to the IRS. This typically results in a payment that the taxpayer cannot afford long term. At SLS Financial, we pride ourselves on ensuring that our clients can make the established payments on the installment agreement and still remain successful.