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Form 433-D

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FORM 433-D - INSTALLMENT AGREEMENT

Taxpayer Information

Daytime Phone

Email Address

Entity Type

Select entity type (check all that apply)

Taxpayer Identification Number

Social Security Number:

Employer Identification Number:

Tax Periods and Liabilities Included

Tax return or form:    Tax period: From to    Balance due: $

Additional tax periods (list below or attach additional sheet)

Proposed Payment Terms

Total liability included in this agreement: $

Proposed monthly payment amount: $

First payment due date:

Payment due day each month (1–28):

Payment Method

Select payment method (check one)

Bank Information (if Direct Debit)

Bank Name:

Routing Number

Account Number

Account Type

Additional Information

Terms and Conditions

By entering into this Installment Agreement the taxpayer agrees to the following terms and conditions. These terms are binding and enforceable by the Internal Revenue Service or its designated collection agent.

1. Payments: Taxpayer shall make all installment payments when due in the amount and by the method indicated above. Timely payment is required to keep the agreement in effect.

2. Continued Filing and Payment of Taxes: Taxpayer must timely file all required tax returns and timely pay all taxes due for the duration of this agreement. Failure to file or pay current liabilities may constitute default.

3. Interest and Penalties: Interest, penalties, and additions to tax will continue to accrue as provided by law until the liability is paid in full.

4. Default: If taxpayer fails to make a payment when due or otherwise breaches this agreement, the agreement may be terminated and collection actions, including levy, seizure of assets, referral to a private collection contractor, and filing or enforcing of liens, may proceed without further consent.

5. Application of Payments: Payments will be applied to liabilities in accordance with statutory rules and agency practice. Acceptance of a late or partial payment does not waive any right to default the agreement.

6. Authorization for Electronic Debit: If direct debit is selected, taxpayer authorizes the Treasury to initiate debit entries to the designated bank account and acknowledges that the bank account holder shall be bound by this authorization.

7. Notices and Changes: Taxpayer must notify the agency promptly of any material change in address, financial condition, or employment. Requests to modify terms must be submitted in writing and are subject to approval.

8. Enforcement Costs: Taxpayer may be liable for administrative costs and fees associated with collection and enforcement under applicable law.

Certification and Perjury Statement

Under penalties of perjury, I declare that I have examined the information on this form, including any accompanying statements, and to the best of my knowledge and belief it is true, correct, and complete. I understand that providing false information may subject me to criminal or civil penalties.

I certify the following (initial each item):

1. I am the taxpayer or authorized representative and have the authority to enter into this agreement.

2. I will file all required returns and pay all taxes due while this agreement is in effect.

3. I understand that interest and penalties may continue to accrue until the liability is paid.

4. I authorize the appropriate agency to apply payments and take collection actions consistent with this agreement upon default.

Signature

Taxpayer Printed Name:

Signature:

Date:

If signing as an authorized representative, provide title or authority:

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What the Form 433-D Is and when it’s used

Form 433-D is the Internal Revenue Service document used to document an installment agreement for unpaid federal tax liabilities. Taxpayers and authorized representatives use it to set up monthly payments, specify payment method (including direct debit), and record the terms of the agreement with the IRS. The form collects identifying and payment information so the IRS can process an automated or manual installment plan. Completing Form 433-D can prevent immediate collection actions if approved and kept current according to the agreed schedule.

Why completing Form 433-D matters

Form 433-D formalizes a payment plan that can stop or delay levies and other collection actions when the IRS approves the installment agreement. It provides a written record of monthly obligations and payment method for both the taxpayer and the IRS.

Why completing Form 433-D matters

Typical users and roles for Form 433-D

Who commonly completes or signs this form before submission to the IRS.

  • Individual taxpayers who owe federal taxes and need a structured payment plan to resolve outstanding balances.
  • Certified public accountants or enrolled agents completing the agreement on behalf of a taxpayer with power of attorney.
  • Tax attorneys or firm representatives negotiating installment terms for complex balances or business-related liabilities.

Who signs depends on authority: the taxpayer signs, or an authorized representative signs with a valid POA on file.

Authorized signers for a Form 433-D

Taxpayer — Individual

The person legally liable for the tax debt must sign the agreement. If the taxpayer is an individual, that person signs to demonstrate intent and consent to the payment schedule.

Authorized Representative — POA

An enrolled agent, CPA, or attorney may sign when a valid Form 2848 (Power of Attorney) is on file. The representative must have explicit authority for collection matters to bind the taxpayer.

Core parts of a completed Form 433-D

A properly completed Form 433-D contains the items below; ensure accuracy because the IRS uses these fields to set and enforce the installment agreement.

Taxpayer ID

Social Security Number or Employer Identification Number as shown on IRS records; a mismatched TIN can trigger backup withholding or delay processing.

Balance Details

Total tax liability, penalties, and interest as of the date of the form; use figures from the IRS notice or account transcript to avoid discrepancies.

Payment Amount

Monthly payment amount proposed or required; must be sufficient to satisfy the balance within statutory collection guidelines or IRS policy.

Payment Method

Direct debit account details or alternate payment method; direct debit reduces default risk and is commonly required for many IRS installment agreements.

Effective Date

Date the agreement begins and the first payment due date; this governs timing for the first withdrawal or payment by the taxpayer.

Signatures

Signature and date from the taxpayer or authorized representative demonstrating intent to sign and consent to the electronic or paper agreement terms.

Information you must include on Form 433-D

Taxpayer Name: Full legal name
Taxpayer ID: SSN or EIN
Address: Street, city, state, ZIP
Liability Amount: Total balance due
Bank Details: Account routing and number
Signature: Sign and date

Step-by-step: completing Form 433-D

Follow these sequential steps to prepare and submit a clear, accurate installment agreement to the IRS.

  • 01
    Collect documents: Gather IRS notice, account transcript, and proof of income.
  • 02
    Fill identifying data: Enter name, SSN/EIN, and current address exactly as IRS records.
  • 03
    Set payment terms: Choose monthly amount, first payment date, and payment method.
  • 04
    Sign and submit: Sign the form or apply an authorized electronic signature and send to IRS.

How to configure an online completion workflow

Set up a digital workflow to collect, verify, and submit Form 433-D securely and track each step.

Field Configuration
Document upload Accept PDF/DOCX and require IRS notice attachment
Signature field Require signer name, signature, and date
Authentication Email + optional SMS code for signer verification
Retention Store signed PDF with audit trail and access controls

Where to send a completed Form 433-D

After completion, route the form according to the IRS notice instructions or the local IRS office handling the account.

  • Mail to IRS: Send to the address shown on the collection notice if paper submission is required.
  • Fax option: Some IRS notices permit faxing to the phone number provided on the notice.
  • Upload via portal: If the IRS instructs, upload to the secure portal designated in the notice or provided by the assigned agent.
  • Representative filing: Authorized representatives submit per IRS guidelines and include Form 2848 if applicable.

Digital delivery and signing: platform requirements

Choose a platform that supports secure file formats, audit trails, and appropriate signer authentication.

  • File formats: PDF and DOCX accepted
  • Authentication: Email link, SMS code, or KBA
  • Audit trail: IP, timestamp, and action log

Ensure the platform supports ESIGN and UETA compliance, retention of the audit trail, and secure storage for federal tax records.

Key timing and processing expectations

Timelines vary depending on when you propose payments and the IRS processing queue; keep records to show timely performance.

First payment date:

Set by the agreement; monthly thereafter until balance is paid

Response to notice:

Respond to IRS collection notices by the date shown to avoid accelerated actions

Processing time:

IRS may take several weeks to review and approve an installment agreement

Missed payment window:

Late or missed payments can void the agreement and permit collection actions

Modification requests:

Request changes promptly; approval timelines depend on IRS backlog

Consequences and common risks to watch for

Agreement default: IRS may terminate plan and resume levies
Interest accrual: Interest continues until full payment
Penalty assessment: Late-payment penalties may apply
Collection actions: Levy or lien can be reactivated
Incorrect data: Mismatched TIN delays processing
Unauthorized signature: POA required for representative signatures

Representative eSignature vendor pricing and availability

Common eSignature plans differ by starting price, trial availability, bulk features, audit trail, and HIPAA support; place vendor choice against your security and compliance needs.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes Yes Yes Yes Varies
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Varies by plan Varies by plan Varies by plan Varies by plan

Practical tips to reduce processing delays

Apply these practical measures to improve accuracy and reduce the risk of agreement rejection or default.

Verify figures against IRS account
Confirm the balance due, penalties, and interest on the IRS account transcript before entering amounts to avoid mismatches and processing delays.
Prefer direct debit where practical
Selecting direct debit lowers default risk and often expedites approval; confirm bank routing and account numbers to prevent failed withdrawals.
Document representative authority
If a representative signs, attach a valid Form 2848 (Power of Attorney) to avoid questions about signature authority during IRS review.
Keep a complete audit trail
Retain signed PDFs, submission confirmations, and communication logs; these records support appeals and prove compliance with the installment schedule.

Real-world examples of using Form 433-D

These concise examples show how organizations and professionals commonly complete installment agreements for clients or themselves.

Optica Ventures — COO Example

The company needed a payment plan to cover a corporate payroll tax shortfall

  • Their CPA provided an accurate account transcript and proposed monthly direct-debit payments
  • The IRS accepted the plan, the company avoided levies, and the CPA kept all signed records for the retention period.

Martin Properties — Founder Example

A real estate owner used Form 433-D after a tax notice for rental income was issued

  • The owner chose direct debit and a five-year amortization schedule
  • With a signed agreement on file, collection actions were paused while payments were made.

FAQs and troubleshooting for Form 433-D

Answers to common questions about completion, signatures, submission, and what to do when issues arise.


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