Respond to your CP523 notice
The IRS is proposing to terminate your installment agreement because you missed a payment. You have the right to appeal before the agreement is cancelled. Upload the notice, verify the default details, and prepare a response to request reinstatement.
What is a CP523 notice?
A CP523 is an Installment Agreement Default Notice. The IRS sends it when you've missed a payment on your installment agreement (Form 9465). The notice proposes to terminate the agreement — and with it, the protections that kept collection actions at bay.
You have the right to appeal the proposed termination by requesting a Collection Appeals Program (CAP) hearing. This is faster than a CDP hearing and can result in the agreement being reinstated, modified, or continued. You must request the appeal within 30 days of the notice.
If the agreement is terminated, the IRS can resume full collection activity — levies, liens, and wage garnishment. Any unpaid balance becomes immediately due. Responding promptly is critical: if you can make the missed payment, the IRS will often reinstate the agreement without a formal appeal.
- ▸Notice number and date
- ▸Installment agreement details
- ▸Missed payment information
- ▸Total remaining balance
- ▸30-day appeal deadline
- ▸Right to CAP appeal
- ▸IRS response address
- ▸Reinstatement instructions
How Notice Respond works
Upload & analyze
Upload the CP523 PDF or paste the text. The system extracts the notice details, missed payment info, and remaining balance — and identifies your right to appeal.
Review & draft
See the extracted facts. Add your explanation for the missed payment and any supporting evidence. Generate a response requesting reinstatement or a CAP appeal.
Mail with proof
Approve the exact draft. Certified mail provides proof of timely appeal — essential for preserving your rights before the 30-day deadline expires.
Frequently asked questions
What is a CP523 notice?
A CP523 is an IRS Notice of Default on Installment Agreement and Intent to Levy. It tells you that the IRS intends to terminate your installment agreement and seize (levy) your assets because you have defaulted on the agreement.
How long do I have to respond to a CP523?
You should contact the IRS as soon as possible but no later than 30 days from the date of the notice. This is a strict deadline.
Can I reinstate my installment agreement after a CP523?
Yes, you can request reinstatement by contacting the IRS at the number on the notice. You may have to pay a fee to reinstate it or pay any new tax liability in full.
What happens if I don't respond to a CP523?
If you don't respond, the IRS will terminate your installment agreement and begin collection action, which can include filing a federal tax lien or seizing (levying) your wages and/or bank accounts.
You stay in control of every step.
The notice is the source material. Your facts remain under your control. AI assists — it does not decide. You review the response before approval. Approval applies to the exact draft. Payment is distinct from authorization. Mailing creates a documented record.
Your data, your control
Documents are processed for extraction. Nothing is shared with third parties.
Review before send
You approve the exact letter. Nothing is mailed without your explicit confirmation.
Proof of delivery
Certified mail provides tracking and delivery confirmation — your proof of timely appeal.