26/02/11

Help with back taxes

I'm hoping someone can answer some questions for me. I live in Wisconsin and owe back federal and state taxes. My federal taxes are about $18,000, and state was $1,900, but I just got a notice that it somehow is now $9,000. I've been paying $50 to the state, but they said I have to increase that also. I know they are compounding interest at an insane rate. I received certified papers in November saying that I needed to call the IRS immediately. I called and was told that I had to increase my payments from $100 to $300 a month but that I could fill out a financial information form and see what number they came up with. I decided not to pursue that route because I was worried about a home loan that I have on my mom's home. I pay the loan to Wells Fargo, and the loan is in both of our names. I do not live in the property; she does. I agreed to just pay the $300 a month. I made the first payment last month, but it is going to be a real struggle to keep up with it. I decided to pay $100 to go see a tax attorney. I felt very rushed talking to him and I didn't feel that he explained things clearly, and I left still not knowing what to do. The only useful information that I got from him was the fact that unless the deed to my mom's house is in my name, he doesn't think they can touch her property. I checked with the county where the property is located, and the deed is only in her name. I do not want to do anything that could affect this property. Is he correct that they can't take her home if I somehow can't pay it because the deed is not in my name? I did not actually retain him as a lawyer because I couldn't afford it, so I only had a short time to speak to him. He told me that I could do a Request for a Collection Due Process or Equivalent Hearing and that it could actually be worth it to do it, but he didn't seem sure about what I should do and said that they might garnish my wages and freeze my bank account if I did that. I left there not understanding any of what he said and very confused about what I can or should do. I'm an independent contractor transcriptionist. I have struggled financially for many years, but since I started working at this new job in 2006, I have had a hard time taking the money out of my pay checks to pay my taxes. Also, I tried to do my own taxes in 2006 and messed up my pension that I had cashed in, and I was fined for that. My boss has agreed to start taking my taxes out for me now. I would really appreciate any advice that anyone can offer.

Since the deed is only in your mother's name, the IRS cannot put a federal tax lien on same, as she is not responsible for any tax liabilities that you may owe. If you are suffering economic hardship due to past due income taxes and do not own any real property (Home /Land) yourself or in your name, in which the IRS has already filed a tax lien against, and if the Income Tax liabilities are the result of Tax Years which are from 3 Years ago or longer, you should strongly consider the possibility of having same completely wiped away through a Chapter 7 Bankruptcy proceeding, giving you a fresh start. You can either go to your local public library and simply check out Nolo Press' "How to File for Chapter 7 Bankruptcy by Stephen Elias Attorney, Albin Renauer J.D., and Robin Leonard J.D. (Nov 1, 2009)" (an online excerpt explaining how income taxes can be completely removed is here @: http://tinyurl.com/65x4tvp or go online to Amazon and purchase either a new copy of same for $26, or a used copy for $15 ( @ http://tinyurl.com/6kxdavk )


Also because any Income Tax liabilities outstanding past Three years can be completely removed via Bankruptcy, the IRS deems such as actually "uncollectable" and thus have strong motivations to consider "Offers in Compromise" usually at mere pennies on the dollar to settle the outstanding debt owed!. "Ignorance of fact excuses; Ignorance of the law excuses not. Every man must be taken to be cognizant of the law; otherwise there is no saying to what extent the excuse of ignorance may not be carried." Black's Law Dictionary Sixth Edition Centennial Edition (1981-1991) page 747 Leviticus 19:36; Deuteronomy 25:15-16


Proverbs 20:10;23 I John 4:6



We are all born ignorant, but one must work hard to remain stupid. Benjamin Franklin Wisdom is the principal thing; Therefore get wisdom. And in all your getting, Get understanding. Proverbs 4:7 "vivus spartacus" All Rights Reserved It is the common fate of the indolent to see their rights become a prey to the active. The condition upon which (The LORD) hath given liberty to man is eternal vigilance; which condition if he break, servitude is at once the consequence of his crime and the punishment of his guilt. John Philpot Curran (1750-1817) Find out just what any people will quietly submit to and you have found out the exact measure of injustice and wrong which will be imposed upon them, and these will continue till they are resisted


with either words or blows, or with both. The limits of tyrants are prescribed by the endurance of those whom they oppress.

Frederick Douglass, "If There Is No Struggle, There Is No Progress"

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