There are few things worse than tax problems. They keep you awake at night wondering what it could mean for you and your family. You wonder how you got so far behind. The truth is that it can happen quickly. A struggling business, medical problems or the loss of a job often leads to unpaid tax bills. You are doing the best that you can and sometimes paying the bills that are the most important can lead to tax bills going unpaid.
You may have called the IRS for help, hoping to find someone that would understand the impossible demands on your finances and that you are doing your best but simply don’t have the money to pay these tax bills. More often than not these calls are scary and confusing. The IRS’s collections staff is aggressive and you don’t need to hear an unhelpful lecture that you should have paid your taxes. You are told that the IRS can levy your bank accounts or garnish your wages in order to collect the tax debt. The IRS seems more interested in gathering information about your bank accounts and taking money that you don’t have than helping you solve your problem. If you are struggling to make ends meet, the idea of money suddenly and unexpectedly disappearing from your bank account or your paycheck is a terrifying prospect, especially so if you’re barely able to pay for your basic living needs. Wage garnishments are humiliating and you worry that they might cost you your job. What if the IRS tries to take your house?
Ignoring the IRS is not the answer. The size of your tax debt and the IRS’s indifference to your struggle can make it all seem insurmountable and that the deck is stacked against you. But don’t ignore those threatening letters. The IRS will not go away and your bad situation will only get worse. You must work with the IRS to solve your problem.