Many times the standard IRS installment agreement is not a feasible option for the taxpayer and still causes undue financial hardship. However, perhaps a taxpayer is not able to qualify for the non-collectible status because the taxpayer’s financial portfolio shows there is an ability to pay, but if the amount shown is less than the amount the IRS demands, then Practical Tax Solutions will get to work and negotiate a legally binding agreement that is affordable with a reduced payment plan that is based on the taxpayers financial portfolio showing what the ability is to pay.