Service Fee: $3,995 (due in full prior to commencement of services)
What You're Purchasing
Cents Savvy LLC will prepare a full financial disclosure (Form 433-A) and negotiate an installment agreement payment amount based on your documented ability to pay, for balances generally under $100,000.
Scope of Services Included:
Retrieval and review of your IRS account transcripts
Verification of Collection Statute Expiration Date (CSED)
Preparation of Form 433-A (Collection Information Statement)
Negotiation with the IRS for a payment amount based on documented financial ability to pay
Filing of the negotiated installment agreement
What Is Not Included:
Representation before an assigned Revenue Officer
Offer in Compromise or Currently Not Collectible evaluation and negotiation
Preparation or filing of any unfiled tax returns
Representation for any tax years or issues not disclosed at the time of engagement
Appeals or Collection Due Process (CDP) hearings
No Guarantee of Outcome
Cents Savvy LLC will prepare and submit your financial disclosure and negotiate in good faith on your behalf. The IRS retains sole authority to accept, reject, or counter any proposed payment amount. Cents Savvy LLC does not guarantee a specific monthly payment amount, IRS acceptance, or a specific resolution outcome. Accuracy of the negotiated result depends on the completeness and accuracy of financial information provided by the Client.
Timeline
The stated typical timeline of 2–4 weeks begins after IRS Power of Attorney (POA) approval and applies only when the Client provides all requested financial documentation promptly and completely. Incomplete or delayed documentation, IRS processing times, or additional IRS information requests will extend this timeline, and Cents Savvy LLC is not responsible for delays outside its control.
Client Responsibilities
The Client agrees to: provide complete and accurate financial documentation (bank statements, pay stubs, expense records, and any other requested items) within 5 business days of request; respond to communications from Cents Savvy LLC within 3 business days; and disclose all assets, income, and expenses truthfully and completely. Incomplete or inaccurate disclosure may result in a lower likelihood of negotiation success and is the Client's responsibility, not that of Cents Savvy LLC.
Fees and Refund Policy
The $3,995 fee compensates Cents Savvy LLC for professional services rendered, not for a guaranteed outcome or a specific negotiated payment amount. Once work has commenced (including transcript retrieval, financial statement preparation, or IRS negotiation), the fee is non-refundable. If Cents Savvy LLC has not yet begun work, a refund request made within 48 hours of payment will be honored in full.
Chargeback Acknowledgment
The Client agrees that initiating a payment dispute or chargeback for services that have been rendered, in whole or in part, constitutes a breach of this agreement. The Client agrees to first contact Cents Savvy LLC directly to resolve any billing concerns before initiating a dispute with their card issuer or payment provider.