<prompt> Human: Hey rpersonalfinance! This is my first post here but I regularly lurk, and have seen much good advice doled out to those in need.In January I filed my 2014 taxes, and in February I set up a payment plan - I owe money for the last few years. The payment plan I set up was an automatic deduction from my checking account on the 10th of each month. The payment has been coming out on the 10th of each month just as it is supposed to since being established, until this month. It is worth noting that when setting up my payment plan, I asked if I could just pay my 2014 taxes separately, and use the payment plan to address my back taxes only. I was told flatly no, if I wanted to set up a payment plan it had to cover my entire tax debt up to and including the current year, and that was the only option.On July 10th no payment was deducted from my account. It was a Friday and they were already closed by the time I caught it, so I waited through the weekend and called on Monday. I was told that my automatic payment agreement had been cancelled because each time a new debt is posted, any installment agreements are automatically cancelled. I said there should be no reason that a new debt should have been posted, as I had already filed my 2014 taxes when I set up the installment agreement, and was assured that any debt under 2014 was included in the payment plan. I was then told that even though I had already filed them, the IRS often doesnt get around to posting them until the third week or so in May.So even though I had already filed my taxes for the year before setting up my plan, the IRS waited more than 4 months to post the debt to my account, and in doing so, cancelled my automatic payment for the 10th of July without making any effort to inform me, and now wants me to pay a fee to reinstate the installment agreement because by not making a payment on July 10th I defaulted.Is this even legal, in spite of being extremely under handed? Do I have any recourse besides just paying the fee?  <response>: coincidental and weird. Im literally on the phone with the IRS right now about the same issue. And by on the phone, I mean, on hold going on 35 minutes. Ive spent 20 hours in the past month attempting to get this resolved. 