When IRS debt and monthly expenses compete
If a tax balance cannot be paid in full, choosing a payment approach requires more than dividing the balance by a monthly amount. Current filing obligations, household expenses and existing collection activity all matter when reviewing an installment arrangement.
McCarthy Tax Law assists with irs installment agreements and evaluates the relevant notices, factual record and procedural options. The appropriate response depends on your circumstances, not simply where you live in Florida.
Explore IRS Installment AgreementsWhat to preserve before discussing your matter
Gather balance-due notices and any existing payment agreement. Review whether you can maintain the payments alongside current tax obligations; tell counsel if your income or expenses have changed.
Use the website only to describe the general issue and any stated deadline. Do not send tax returns, Social Security numbers, financial records or other sensitive information through the form.
Read the taxpayer guidesFederal tax services for Palm Bay taxpayers
The firm handles IRS examinations, collection disputes, Tax Court matters, criminal tax investigations and offshore reporting concerns. No settlement, penalty reduction or case result is guaranteed.
Representation informed by IRS experience
Bernie’s career includes IRS Revenue Agent, Appeals Officer and Trial Attorney roles, followed by experience as a KPMG Director and a partner at Shutts & Bowen LLP. His federal controversy practice serves taxpayers, businesses, trusts and exempt organizations.
About Bernie McCarthy
Serving Palm Bay from Melbourne Beach
The firm has one Melbourne Beach mailing address: 3830 S Hwy A1A, PMB 4-175, Melbourne Beach, FL 32951. It is not a walk-in office. Bernie meets clients at their locations; contact the firm to discuss arrangements. Hours are Monday–Friday, 9:00 a.m.–5:00 p.m.