Financial Challenges Support Group

This community is for people who are struggling to meet financial obligations of any kind. Financial challenges include everything from the day-to-day challenges of making ends meet to managing credit card debt to bankruptcy. Get support from others who are going through similar obstacles on the road back to financial stability.

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Irs

donice57
donice57
Does anyone have suggestionx dealing with irs ..I am already on a payment plan for prior years taxes owed. Have filed extension for 2014 because I feel certain I will face more taxes owed. I am divorced, retired, work parttime, havs early parkinsons disease. I am in Chapter 13, making my payments..iihave always filed my taxes but my gambling ruined emptied my bank accounts, my savings, my ira's, I hve pawned or sold everything of value I can?
billwfriend
billwfriend
just talk to them they only want to help you give them their money...so be honest....that is all you can do and keep integrity anyway....hugs
itsjustmeagain
itsjustmeagain
did you know that they have linked gambling/parkinsons disease ? its a major side effect - just thought i'd mention it, I've seen you on the GA forum.
OhmyDonna
OhmyDonna
Does the IRS know you are in Chapter 13 bankruptcy? They are a huge organization and the right hand doesn't always communicate with the left hand.

I, too, am in Chapter 13. I actually owe IRS from several years back and my attorney failed to include them in my list of debts. Bad attorney! What I found out on my own without any help from the attorney is that as long as IRS knows an individual is in Chapter 13, they will not pursue collections and I think I recall that interest does not accrue. However, they will initiate aggressive collection efforts once the chapter 13 is discharged. IRS did not know I was in Chapter 13 until I called and told them. Once I did, collection activity stopped. I will have to make sure I pay them as soon as my bankruptcy is discharged (not dismissed as what would happen if I did not.make my payments).
OhmyDonna
OhmyDonna
You can also ask for a Tax Payer Advocate to assist you with working with the IRS. When you contact the IRS bankruptcy division, you can ask to have an advocate assigned to assist you. They can be really helpful.

I filed bankruptcy in January 2012 and I received a refund for every year that I had a refund due. They did not garnish it for my tax debt. However, I did file an amended return for 2010 which resulted in a refund of about $2000. I did not get that money, though, as they held it for a balance due that was due prior to my filing bankruptcy. I also owe from last year and this year. I received a letter of collection for last year and I called them promptly and had to again inform them of my status.

I hope this helps.
needtoreboot
needtoreboot
Good suggestions from OhMyDonna.

In my experience, the IRS can be pretty reasonable to work with. Yes, there's a lot paperwork to wade thru. And because of the bureaucracy, the process can take a lot of time.

From what I understand, they won't forgive actual taxes due but they'll definitely work with you on a payment plan for the amount owed.
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