Taxes are a serious problem, with a serious badass opponent.  The price for taking on the school bully is you can run up some hefty legal bills to pay for protection and still lose most or all of what you worked your whole life to get.  The problem is who can afford to pay for additional legal bills.  The greater problem is, how can you afford to not find a way to pay them.  So the problem grows larger by adding legal bills and still the problem of how you got here has not been addressed.  I mean who has time to figure out where you made a wrong turn that landed you in such a rough neighborhood, when you are so busy running from the thugs who are chasing and shooting at you. Does it even matter?  Well if you do survive and get out, it would be nice to know how it happened so you don’t wander in again.

There are many services around who can represent you to the IRS or state and can stall the process.  But if all you needed was stalling, well, you’ve already become pretty good at that.  By the time a problem exists, it’s usually been at least a year or two before the giant awakens.  You have even survived surprise attacks on your bank account that drop the balance to 1 cent, but the price you pay is draining to say the least.  Let’s say that the fires are successfully extinguished and agreements with the IRS, state or lawsuit creditors are reached.  Even that will require additional cash flow above your normal expenses, in order to meet those new payments.  If that’s not bad enough, try getting credit from creditors or a bank with suits, judgments and tax liens all over your credit history.  It’s like being a termite looking for a meal in a cement bunker.  Now I ask you, what have you solved?  Nothing, right? No, stalling by itself is not the answer.

What needs to be done is to buy a little time and develop a global plan, not something piecemeal.  You need to dramatically reduce what is owed, insulate yourself (because it’s just dumb to stand starring at the headlights) and then have a professional who knows what to say and not say, do the talking for you.  Next, yes there is still more unless you want to end up in the principal’s office again.  Carefully and systematically identify any and all cash flow leaks that contributed to the need to borrow from Uncle Vinni who is now eyeing up your knee caps, and plug the holes once and for all.  Simple math:  You need to make more income than you spend, period!  That includes old bills and new.  Can this be done in your case?  You have a 93% chance that it can with the right help.