# Deferral or instalment plan for a tax debt

Source: https://iberfacil.es/en/services/tax-debt-deferral
Markdown: https://iberfacil.es/en/services/tax-debt-deferral.md

**In short:** Deferral or instalment plan for a tax debt: we prepare the deferral or instalment application with a payment schedule your situation can carry, and file it before the debt goes to enforcement. We handle it ourselves from start to finish, with professionals from our network, with a written quote before we start and your case visible in your client area. We ask for the payment letter and a picture of your real income to propose a schedule you can keep.

## You cannot pay the tax office in one go

 First consultation, viability study and quote:  **Free until 5 January 2027**  Tell us about your case

We prepare the deferral or instalment application with a payment schedule your situation can carry, and file it before the debt goes to enforcement.

 First consultation, viability study and quote:  **Free until 5 January 2027**  [Tell us about your case](https://iberfacil.es/en/contact)

### The service at a glance

#### What is included

- Working out a payment schedule your income can sustain
- Drafting and filing the application
- Tracking the decision and any guarantees required

#### Price

Closed price

€199.65 VAT included

€165.00 + €34.65 VAT (21%)

 Price valid until November 22, 2026.

Prices include VAT. Public fees are separate, in your name and without a mark-up.

### WHAT IS INCLUDED AND WHAT IS NOT PROMISED

A tax debt that is neither paid nor deferred goes into enforcement with an automatic surcharge. Applying in time, during the voluntary period and with a schedule you can keep, avoids enforcement, although late-payment interest accrues.

What it includes: working out a payment schedule your income can sustain; drafting and filing the application; tracking the decision and any guarantees required. What it does not include: we cannot guarantee it is granted or how many instalments: the tax agency decides on the amount and your circumstances. Nor do we pay the debt, surcharges, interest or guarantee costs for you. And not everything can be deferred: withholdings, VAT charged to customers (unless you show it was not collected) and corporate tax instalment payments cannot.

#### DOCUMENTS YOU WILL NEED

- The assessment or self-assessment for the debt.
- Evidence of income and fixed outgoings.
- Bank statements for recent months.

#### INDICATIVE TIMING

We answer your enquiry within 1 working day and send the written quote within 2 working days.

Once your documents are complete, we prepare the file between 2 and 5 working days.

The tax office has up to 6 months to decide; if you apply within the voluntary period, the debt does not go to enforcement while it is processed, but interest keeps running.

See [the pricing page](https://iberfacil.es/en/pricing) for how we charge this kind of matter.

### How it works

1. **WE IDENTIFY THE EXACT PROCEDURE** We look at which debt it is, whether it is still in the voluntary period and whether its amount requires a guarantee. That decides what can be requested.
2. **DOCUMENT LIST AND QUOTE** We ask for the payment letter and a picture of your real income to propose a schedule you can keep. Price agreed before anything is filed.
3. **FILING AND RECEIPT** We file the deferral or instalment request through the tax agency portal with the proposed schedule and the direct debit account.
4. **TRACKING AND CORRECTIONS** When the decision arrives, forward it to us and we give you the approved schedule of due dates: one missed instalment cancels the whole plan.

#### What to have at hand

- The assessment or self-assessment for the debt
- Evidence of income and fixed outgoings
- Bank statements for recent months

### Frequently asked questions

DO I NEED A GUARANTEE?

Below the current statutory threshold no guarantee is required. Above it one is, and we tell you which options fit before filing.

CAN I APPLY ONCE ENFORCEMENT HAS STARTED?

Yes, but the surcharge already accrued does not disappear. The sooner you apply, the less you pay.

DOES IT CARRY INTEREST?

Yes, a deferral accrues late-payment interest. We calculate it before you decide.

### RELATED SERVICES

People who come for “Deferral or instalment plan for a tax debt” often need one of these services too. If your case mixes several, it goes in a single file with a single quote.

- [Tax appeal and economic-administrative claim](https://iberfacil.es/en/services/tax-appeal)
- [Personal income tax return](https://iberfacil.es/en/services/income-tax-return)
- [Tax registration, deregistration and changes (form 036)](https://iberfacil.es/en/services/tax-registration-036)
- [Answering a tax office request](https://iberfacil.es/en/services/tax-office-request)

[See everything we do in Public administration](https://iberfacil.es/en/services/public-administration)

 This content is informative and educational: it is not legal advice and does not replace consulting a professional. If you need advice on your own case, [get in touch](https://iberfacil.es/en/contact).