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If you look at Line 11 of the Form 9465 it asks you to divide your tax debt by 72 months & to pay that monthly amount. This is because the time period for repayment of tax debts in a Ch. 13 Bankruptcy is 72 months & the IRS wants to unify tax collection with bankruptcy procedures. If you can't pay the debt in 72 months you can complete a Form 433A or 433F to get a lower payment agreement. But, these forms can be challenging to complete. You will be required to obtain & arrange a vast amount of personal financial information. It requires a LOT or time & effort. So, we have designed Webinars to teach you how to easily complete these forms for your maximum advantage!