IRS Tax Debt Help Starts With Learn What The IRS Has On You

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Wondering what the first step in getting IRS tax debt help is if you have an IRS problem?

If so you should find this transcript from a recent episode of my radio show the IRS Solution Attorney Show helpful. In it I share what your first steps should be to getting your problem solved.

First Segment (Part One): IRS Tax Debt Help

DARRIN T. MISH: Good Morning this is the IRS Solution Attorney, Darrin T. Mish.

KATRINA MADEWELL:  And I am your co-host, Katrina Madewell. Pat George back there on the board popping the mics on a little early like I’m not going to notice.

IRS tax debt helpDARRIN T. MISH: The very feisty and energetic Pat George this morning.

KATRINA MADEWELL:  He loves to try to catch us saying stuff off air like we are going to say something bad.

PAT GEORGE:  And now that I had my Cuban sandwich for breakfast, I’m in a good mood.

KATRINA MADEWELL:  Breakfast, lunch, brunch, early brunch.

DARRIN T. MISH: You ever just want to say it’s a beautiful day in the neighborhood look out that window…

KATRINA MADEWELL:  No that is so Mr. Rogers. No.

DARRIN T. MISH: There is not a cloud in the sky it’s absolutely gorgeous.

KATRINA MADEWELL:  I feel like I need to put up my sweater and tie my shoe.

DARRIN T. MISH: A cold front coming this Friday.

KATRINA MADEWELL:  I know it already.

PAT GEORGE:  They have snow where you live.

DARRIN T. MISH: You know Pasco County has basically Georgia, it might snow you never know.  There are some elevations.

Second Segment: IRS Tax Debt Help

KATRINA MADEWELL:  Even though you live in South Tampa, Pasco, Georgia.

PAT GEORGE:  They did say that it was going to drop into the 50’s and some parts of Florida are going to be in the 40’s possibly.

DARRIN T. MISH: That’s  one of the things that’s always sort of disappointing it’s a sweaty, humid, nasty and then it goes to 50 I mean that is just not right.

KATRINA MADEWELL:  Yeah the weather has been cool for the last week or so it has been awesome.

PAT GEORGE:  Absolutely….

KATRINA MADEWELL:  It feels like…Actually the weather the last week or so reminds me of California because the humidity has been really low, it’s been nice….

DARRIN T. MISH: I’m looking at Katrina with a cocked eyebrow, I don’t know where in California you lived or were where the humidity was over about 30% ever.

KATRINA MADEWELL:  I’ve never lived anywhere but I….never…

PAT GEORGE:  I found out this week yeah you lived in California.

DARRIN T. MISH: Yes I did.  I was born and raised in Southern California.  Interesting little tidbit I am a 6th generation Californian, my family goes back to California from the time it was actually Mexico so before the gold rush I can trace my ancestors…

KATRINA MADEWELL:  Now he lives in Florida ya’lll.

DARRIN T. MISH: I live here in Florida on purpose because I love Florida and I just love everything about it.

PAT GEORGE:  You like it better than California?

DARRIN T. MISH: I do I absolutely love Florida more than California.

KATRINA MADEWELL:  It’s changed too a lot since you were a kid.  It’s different.

Third Segment: IRS Tax Debt Help

DARRIN T. MISH: Oh for sure and to live on the property that I live on now would be in the several Millions of dollars in California if you could find it.

PAT GEORGE:  Would you have more monkey business offering IRS tax debt help, people doing that in California then you would here?

KATRINA MADEWELL:  I wonder how your IRS fresh start initiative 2016 business would be in California. That would be interesting.

DARRIN T. MISH: My business in California would be rocking and rolling cause there is a lot of people in California you know there’s yeah it’s just the population density is really intense.

KATRINA MADEWELL:  Not that you don’t offer IRS tax debt help to people in California because you do.

DARRIN T. MISH: I do in fact represent lots of people in California and I can relate to them because I am from there and I know the areas and what not.

KATRINA MADEWELL:  You know what though, I have so many friends that live there and it’s this running joke with the people that don’t live in California that when you meet somebody and they are from California or you talk to them they just have that whole like you just like, I don’t even know how to describe it other then — I have this client that moved here from Vegas and I found out later that he was born in California and he works here at a local place and he is like yeah my heart’s really in California and I’m going yeah I could see that like you have that whole California weirdness vibe thing.  I don’t, it’s not and I don’t get that with you is what I am saying.

DARRIN T. MISH: It’s probably because I left voluntarily because I didn’t really…

KATRINA MADEWELL:  Get into that vibe.

Fourth Segment: IRS Tax Debt Help

DARRIN T. MISH: Yeah although there are things about California that are really wonderful, I went to undergrad at UC of Santa Barbara and if you don’t know UCSB it’s a campus that has two sides of it are on the ocean. It’s just spectacular and the weather was just absolutely phenomenal and the vibe was really super ultra laid back surfer dude kind of thing and then I really did like living there a lot.

KATRINA MADEWELL:  But did you ever try to have a conversation with someone that is from California it just doesn’t go well.

IRS tax debt helpDARRIN T. MISH: Well usually every week right around 9 am on Thursday mornings on 1010 money talk.

KATRINA MADEWELL:  Yeah but it’s not the same vibe.

PAT GEORGE:  Do you notice that his beard is getting longer now that he is living on the farm?

KATRINA MADEWELL: I know, I know I’m waiting for him to come in with it braided one day.

DARRIN T. MISH: One never knows.

KATRINA MADEWELL:  I’m going to post a picture of it and I’m going to tag Darrin T. Mish in that so you can hop on over to Facebook and check it out.

Fifth Segment: IRS Tax Debt Help

PAT GEORGE:  Now they just need to follow him on his Facebook because he has got all kinds of farmer in the dell stuff going on always.

DARRIN T. MISH: I try to be interesting on Facebook but sometimes it’s tough when your topic is the IRS fresh start program.

KATRINA MADEWELL:  I’m going to share it and tag you and go ahead and keep talking there Darrin and then you can tag yourself and share it on your IRS tax debt help page.

DARRIN T. MISH: A little farm update — so last week the big announcement was we had one baby chick that was born right and so today the announcement is that we have 8 successful hatches of baby chickens and there’s 20 in the incubator right now that should be hatching today tomorrow or something like that.

PAT GEORGE:  And that’s a high-tech incubator that you have.

First Segment (Part Two): IRS Tax Debt Help

DARRIN T. MISH: Well actually I have 2 and cause whenever I, whenever…

KATRINA MADEWELL:  Isn’t there a song that is like high tech redneck I think that is Darrin.

DARRIN T. MISH: Whenever I do anything I do it in a big way so of course I have 2 incubators and ducks will be next.

PAT GEORGE:  Then he is  collecting farm machinery every week there’s is something new on the farm.

DARRIN T. MISH: Their is an amazing amount of work that has to be done on 30 acres.

KATRINA MADEWELL:  See my kids I can’t even get them to take the dogs out we would never live on a farm, I’m just saying.

DARRIN T. MISH: My kids are starting to grumble, you know they are like…

KATRINA MADEWELL:  Oh just wait it gets better.

DARRIN T. MISH: They are like when are we going to the Ritz Carlton again, never.

KATRINA MADEWELL:  See you are older but me but my kids are older then yours so you are not there yet. You know what I mean.

DARRIN T. MISH:  So my lovely wife Heather just sent me a text she says I can braid your beard I’m like ok alright that’s great.

Second Segment (Part Two): IRS Tax Debt Help

KATRINA MADEWELL:  Heather I still want to know I ask Darrin every week when you are coming to hang out in the studio with us and he’s like Heather’s manning the IRS offer in compromise calculator.

DARRIN T. MISH: So I invited her so she will be coming on soon.

KATRINA MADEWELL:  We will have you on one day when you feel like coming, when you feel spunky.

DARRIN T. MISH: So you think we ought to talk about IRS problems or something related to taxes or something?

KATRINA MADEWELL:  I think we should, we do have an agenda we do yes.

DARRIN T. MISH: We do awesome.

KATRINA MADEWELL:  I always wonder what I am going to do if you don’t show up one day when you come in with the outlines I’m like I don’t know what I would talk about.

DARRIN T. MISH: More of what we just talked about.

PAT GEORGE:  I will just ring the doorbell and you will talk about…

Third Segment (Part Two): IRS Tax Debt Help

KATRINA MADEWELL:  Real estate stuff.  Well, so today’s topic of the show is What is the IRS Tax Debt Help You Need  What, I read that wrong, What’s the IRS Have on You.

DARRIN T. MISH: So yeah what do they have on you.  What do they, what do they have on you….

KATRINA MADEWELL:  Weird, this reads weird.

DARRIN T. MISH: What do they have on you what do they know about you.  That’s what the whole topic of the show is today….

KATRINA MADEWELL:  So the topic is big brother as compared to our usual topic of  IRS one time forgiveness?

DARRIN T. MISH: And how to find out what they know about you, preferably before they know enough about you to make your life miserable right so you can lay out a game plan, a strategy and kind of figure out what your, what you need to be doing.

KATRINA MADEWELL:  So how much do they actually know?  About me or you or somebody you represent?

IRS tax debt helpDARRIN T. MISH: Well I think pretty clearly they know our names although in the case of females I think typically sometimes change our names when they get married right, sometimes they do sometimes they don’t one never knows anymore but…

KATRINA MADEWELL:  I’ve seen some women take or men take her name which is weird.

DARRIN T. MISH: Yeah, that’s kind of why I made that comment I’ve seen that as well I’m not saying it’s weird it’s just unusual.

KATRINA MADEWELL:  I have an uncle that did that I thought it was a little off.

DARRIN T. MISH: Well at least he is a liberated minded individual.

KATRINA MADEWELL:  Definitely.

Fourth Segment (Part Two): IRS Tax Debt Help

DARRIN T. MISH: So they know your Social Security number and they know your date of birth I think and…

KATRINA MADEWELL: And your bank information.

DARRIN T. MISH: Maybe.

KATRINA MADEWELL:  Mostly.

DARRIN T. MISH: Maybe, maybe not.

KATRINA MADEWELL:  I think they do.

DARRIN T. MISH: So, what we are really talking about here is you can get your IRS transcripts and there’s a variety of transcripts that are available from the IRS and you can get those from the IRS so that you can see kind of where you are at, what the IRS knows about you and what, if you know, if you listen to the show a lot or if you can visit my website and kind of study you can figure out what it is that you need to be doing, what your next step is from your IRS tax debt help transcripts.

KATRINA MADEWELL:  So, are you saying that we can pull our own transcripts?

DARRIN T. MISH: I can’t believe I am saying this….

KATRINA MADEWELL:  Cause I was asking you about like before the show like what happens when…I’ve got a couple of customers that are trying to do short sales but they haven’t provided tax returns and I’m like Darrin if they sign a 4506-T can I just get the returns because they are holding everything up.

DARRIN T. MISH: So, what Katrina is talking about is you can actually get a tax return transcript using a form 4506-T from the IRS.  How’s that for a bit of IRS tax debt help for you? You can download that from the IRS website and if you don’t have one or if you don’t have a computer you can go ahead and give them a call and we will have that number for you later in the show.  But the transcripts that I am talking about today aren’t really, I mean we will talk about the tax return transcripts but we are really not talking about tax return transcripts here we are talking about account transcripts and some other types of transcripts. But in your case, you know you can call and get a transcript of the tax return by phone or online or through a tax rep like myself as well.  Did you know that?

KATRINA MADEWELL:  No.

IRS tax debt helpDARRIN T. MISH: And would a transcript of the tax return suffice for underwriting you know that?

KATRINA MADEWELL:  Well I know we are such a high fraud state anymore that it wasn’t like only in Miami area-ish was it required I mean everybody signed the 4506-T in case of a random audit but they would actually pull the tax transcripts and make sure the returns that they supplied them was the same as what they filed at the IRS.  Well, now it’s everywhere in the state of Florida.  But I don’t write loans anymore like since they’ve been doing that so I don’t know.

Fifth Segment (Part Two): IRS Tax Debt Help

DARRIN T. MISH: Real quick question it’s not the same all throughout the country it’s only Florida like or in some other states?

KATRINA MADEWELL:  High fraud areas yeah.

DARRIN T. MISH: Wow, that is interesting.

KATRINA MADEWELL:  Florida is now considered a high fraud state so they do it everywhere.

DARRIN T. MISH: So we get singled out for special treatment all thanks to hassle.

KATRINA MADEWELL:  I’ve seen it actually hold up closings cause they don’t have the transcripts back like everything else is done but they do not have the tax transcripts back so they are like no we can’t do it. Sometimes it’s so ridiculous like I don’t know if you’ve seen this but like where they may file a return and like oh wait I forgot something or have to, like they don’t actually file it but maybe you got a copy of that one but the one that was actually filed had a last minute correction or something. God forbid you accidentally give that one or have it hanging around and you give it to a lender, they are going to freak out like you tried to commit fraud like it’s bad.

DARRIN T. MISH: I can see that having just gone through the underwriting process in the last few months.  You know it’s a lot different now than it used to be it’s almost like, it’s almost like the banks are part of the government now where they are out there to make sure that you paid your taxes, they make sure you are on an installment agreement, they make sure that there’s, I don’t know it just seems…

KATRINA MADEWELL:  Well, I can tell you this if you ever watch the movie The Big Short it’s on Netflix and most people I’m just telling you it’s going to probably bore you to tears but being that I come from that background I had to watch it, like my husband couldn’t even sit through it, he was so bored but…

First Segment (Part Three): IRS Tax Debt Help

DARRIN T. MISH: That’s quite an endorsement.

KATRINA MADEWELL:  It well I’m just telling you it’s very intriguing if you want to learn anything about the banking system and like what happened during the housing collapse it will explain a lot and it will probably answer that question that you have Darrin, I know that it will answer the question.

DARRIN T. MISH: When we come back after the break we will talk about exactly what kind of transcripts that we are talking about here and how you can get them yourself.

KATRINA MADEWELL:  Back in a minute.

(commercial break)

DARRIN T. MISH: Welcome back to the IRS Solution Attorney show I am THE IRS Solution Attorney Darrin T. Mish.

KATRINA MADEWELL:  I promise he is and I’m your co-host, Katrina Madewell thanks for sticking with us.

DARRIN T. MISH: Today we are talking about what does the IRS have on you?  What we are talking about is basically IRS account transcripts.  How do you get them…

KATRINA MADEWELL:  You wonder how much they know.

DARRIN T. MISH: Yeah exactly how do you get them, what do they mean and what do you do after you get them and that kind of thing.

IRS tax debt helpKATRINA MADEWELL:   I would love to know like exactly how much they know. I wish we could have an IRS guest that would share, like someone, a disgruntled fired IRS employee they would make a great guest for your show, Darrin.

DARRIN T. MISH: Hmm that’s a good idea…

Second Segment (Part Three): IRS Tax Debt Help

KATRINA MADEWELL:  It really would.

DARRIN T. MISH: I could probably come up with that.

KATRINA MADEWELL:  How could we find them?

DARRIN T. MISH: Some recently retired person or not even so recently probably within the last 5 years would be fine.

KATRINA MADEWELL:  No, not retired like somebody that got fired.

DARRIN T. MISH: Well since that’s pretty much like finding you know a flying penguin I don’t think that’s going to happen.

PAT GEORGE:  I know something about the IRS that they are searching right now for tax preparer volunteers for 2017.

Second Segment (Part Three): IRS Tax Debt Help

KATRINA MADEWELL:  What?

DARRIN T. MISH: That’s the public service announcement for today.

PAT GEORGE:  That’s what they are looking for they are asking you if you would like to be a volunteer to do IRS tax debt help you know do tax, be a tax preparer for 2017 and go check the IRS out, they gave you 5 reasons why you should do it.

KATRINA MADEWELL:  Where did you get that information, Pat?

IRS tax debt helpPAT GEORGE:  The Internet.

KATRINA MADEWELL:  Oh, so it must be true.

DARRIN T. MISH: So it must be true.

PAT GEORGE:  I google things.

KATRINA MADEWELL:  That’s a running joke in our house.

DARRIN T. MISH: So, the freedom of information act, you may have heard of it, it’s a Federal law and it, it basically says that the government has to, they have to give up information in certain circumstances ok and because of the Freedom of Information Act that’s why you are allowed to get your IRS transcripts from the IRS.  Now you don’t necessarily have to use a formal of Freedom of Information Act request, that’s called a FOIA, F-O-I-A for  Freedom of Information Act.  You can use a FOIA request and if you want to do a FOIA request you want to ask for 3 different types of transcripts.  This is the most complex that we are going to get here in the show today.

KATRINA MADEWELL:  I know I’m looking at all these Acronyms and abbreviations going oh boy.

Third Segment (Part Three): IRS Tax Debt Help

DARRIN T. MISH: So if you wanted to do a FOIA for some reason and I will give you an example in just a minute.

KATRINA MADEWELL:  And you saying FOIA like F-O-Y-A?  FOIA?

DARRIN T. MISH: F-O-I-A ok?

KATRINA MADEWELL:  Ok.

DARRIN T. MISH: So if you wanted to do a FOIA request you are going to want to ask for 3 different transcripts, one is the Miftra-X that’s M-I-F-T-R-A -X, the next is the Infolt I-N-F-O-L-T and the last one is IRP. You are gonna, you are gonna want to go ahead ask for each one of those 3 types of transcripts for whatever years are in question.  So if you haven’t filed in like 10 years like lots of my clients haven’t right, so you are going to want to go ahead and ask for those 3 transcripts for 2006 -2015 and then the IRS will eventually send you what they have on you.

KATRINA MADEWELL:  So this is something your customer could and should do before they even visit you?

DARRIN T. MISH: No, they shouldn’t, they don’t necessarily have to do it it’s just something that you could do if you are a do it yourself-er or if you just wanted to know.  A lot of times people are afraid that…

KATRINA MADEWELL:  So is that kind of like kicking a bee’s nest?

DARRIN T. MISH: No, not necessarily at all, it’s it’s kind of like left hand, right hand it doesn’t, I’ve never seen it stir up any kind of collection action or anything like that.

KATRINA MADEWELL:  See I would think that would absolutely kick the hornet’s nest.  But it makes sense what you are saying.

Fourth Segment (Part Three): IRS Tax Debt Help

IRS tax debt helpDARRIN T. MISH: I’ve never seen it happen. A lot of times if I do  a FOIA request and we don’t do very many of these anymore, but if I do one I also ask for the basically the collection file and what’s cool about getting the collection file is you get the actual notes that the person that answers the  phone when you call them, you get those actual notes and you also get the revenue officers entire file if a revenue officer is involved in the case.

KATRINA MADEWELL:  Absolutely transcribed everything?

DARRIN T. MISH: You will get pretty much everything that was in there, every once in a while there will be something redacted but it’s most in a regular individual taxpayer file there is nothing redacted.

KATRINA MADEWELL:  So, does it show anything cool like what their intent is or what kind of information do you get from that?

DARRIN T. MISH: Sometimes it telegraphs what their intentions were going to be if you know if taxpayer doesn’t respond next step will be seizure or levy or you know they will try and seize the assets or things like that and occasionally you see that kind of thing.

KATRINA MADEWELL:  Have you seen anything wild in those?

DARRIN T. MISH: Not really the, the primary reason that we would do a FOIA request at this point in my career because the online transcripts are so easy to get now, but the primary reason we would still do one is for the INFOLT the I-N-F-O-L-T and the reason is it has the IRS’s opinion of what the collection statute expiration date is.  So remember the collection statute expiration date is the  statute of limitations date, that is the date when the tax liability expires and usually it’s 10 years, and it’s 10 years from the date that the return is filed and the tax is assessed so it’s really not hard to figure out. But there are cases where it is hard to figure out because there’s 3 prior bankruptcy’s, there’s 2 offers in compromise, there’s all these appeals, there’s all kinds of stuff going on and you can manually count it but, and I’ve done that a lot where literally I’m with a yellow pad and I’m calculating how many days they were in bankruptcy and  that kind of thing.  It’s nice to see what the IRS’s opinion is of the statute of limitations date.

KATRINA MADEWELL:  Are those, in your opinion, when you see that are those dates ever different like they manually calculating compared to what they are showing?

DARRIN T. MISH: Unfortunately they are different sometimes so…

Fifth Segment (Part Three): IRS Tax Debt Help

KATRINA MADEWELL:  So who wins that argument?

DARRIN T. MISH: Well certainly if the, certainly if the date is shorter then I calculated then I’m good you know I’m not going to have a problem with that I’m just going to go ahead and let it ride but if the date is longer than what I calculated then I’m going to argue with them and I’m going to get them to fix it.  And sometimes, sometimes I’m right, most of the time I am right actually so I can get them to change that so it doesn’t come up that often, usually, usually most people’s statute of limitations dates are pretty easy to figure out.

KATRINA MADEWELL:  So, a little off topic like if somebody like me wanted to for example order the tax returns because someone wants to do a short sale but I explained to you before the show that their house is total havoc it’s no wonder they can’t find the returns because I don’t even think they would be lucky to find their deodorant like in the house, so would that particular scenario if they sign a 4506-T with me can I just get a copy of their tax transcript?

DARRIN T. MISH: Yeah, you can absolutely from the IRS you can send it in, to get a copy of the tax return itself you have to send a fee,  I forget how much the fee is, it’s around $25 I think but to get a copy of the tax transcript which is not a copy of the exact return but it’s basically a line by line representation of what’s on the tax return sure you can get that, you can get it online, you can get it by phone or you can get it through the mail.

KATRINA MADEWELL:  So is it a different form that you fill out to get an actual copy of the returns compared to the actual transcript?

IRS tax debt helpDARRIN T. MISH: Yeah come to think of it the 4506-T is actually a copy of the tax return itself and the 4506 is the tax return transcript.  Now the tax return transcript is sort of interesting, they’re only available for only the last 3 years which is also, it’s annoying and really kind of silly because all those other transcripts are available like pretty much going back you know as long as it takes.

KATRINA MADEWELL:  Yes cause there is exactly 3 lines I remember looking at it.

First Segment (Part Four): IRS Tax Debt Help

DARRIN T. MISH: But they only go back 3 years which is really sort of interesting, you know there’s no reason for them to be truncating that data but they do it.  There must be some internal policy reason to do that.

KATRINA MADEWELL:  So I’m curious how that works for you because if someone is coming in they have to file for, it’s not 10 years is it 6 years?

DARRIN T. MISH: It’s usually 6 years right.

KATRINA MADEWELL:  So they have to file for 6 years but you can only go back 3 years like what does that mean for you when you are representing somebody that hasn’t filed in 20 years?

DARRIN T. MISH: Well I actually don’t use the tax return transcript or need copies of tax returns very often because if you think about it I am recreating the wheel, I’m like starting from scratch usually so I usually don’t get copies of the old tax returns if the client has it that’s great by the way…

Second Segment (Part Four): IRS Tax Debt Help

KATRINA MADEWELL:  They say bring them or have them file it.

DARRIN T. MISH: Yeah, here is a IRS tax debt help little hint for people who can’t, like your example where they couldn’t find their tax return if they tried.

KATRINA MADEWELL:  They would be lucky to find anything in there.

DARRIN T. MISH: So what I would suggest is to get one of those free cloud sharing services like Box or Google drive or one of those things…

KATRINA MADEWELL:  Dropbox.

DARRIN T. MISH: And just scan those things and put them up there.  You would be surprised how often you need copies of your tax returns like, I have it organized like that for myself and I feel like I’m giving somebody a copy of my tax return like I don’t know every quarter, at least once a quarter and it makes it so easy I don’t have to go to the drawer, I actually have a drawer in my office where the paper copies are kept for years and years and years but it’s much easier to go ahead and just click a few buttons on the computer.

KATRINA MADEWELL:  See, I have a drawer to but I also have them in a cloud but it almost makes me not want to have them but then where do you put them like I don’t want to stick them in my shoe box file and have to scan them in so it’s like you must don’t even want the paper copies anymore I don’t.

DARRIN T. MISH: Well I don’t know, paper still has a place you know but I think that’s a good little helpful hint for people is go ahead and scam them, oops scam them….

KATRINA MADEWELL:  Yes scam in (laughs) those returns.

DARRIN T. MISH: Scan those and upload them to one of the free cloud sharing you know storage options and just make sure you have a good password on them.

Third Segment (Part Four): IRS Tax Debt Help

KATRINA MADEWELL:  Well when you think about it like if you ever have a fire or something it’s really good to have that.

DARRIN T. MISH: Exactly, otherwise you are going to be calling the IRS saying hey can I have a copy of that tax return from 5 years ago and they are going to be like no.

IRS tax debt helpKATRINA MADEWELL:  See I would not call the IRS I would call my CPA and ask him first.

DARRIN T. MISH: Yeah but there is a lot of self, you know self-prepared people out there.  So that’s what you would do if you do a FOIA request and if you want to do a FOIA request you go to my website at getirshelp.com and there will be a web page there for  the address for what’s called a disclosure office, there’s a disclosure office in the United States and that’s where you send your FOIA request.  One of the great things about doing a FOIA request is if you have a serious fear that you might be under criminal investigation, usually that INFOLT transcript will tell you or there will be some clues that you are under IRS you know criminal investigation and so that might be a good reason to do a FOIA request.

KATRINA MADEWELL:  What would, where, how would that show on there do you know?

DARRIN T. MISH: I don’t really know but there’s indicators on there that it’s under active investigation also if you ask for those files, the collection file and the appeals file and that kind of thing if there’s a lot of stuff redacted there might be a problem so because…

KATRINA MADEWELL:  How would somebody know they are under a criminal investigation? Just a curious question for those of us that have never even thought about that.

DARRIN T. MISH: Well you would examine those transcripts and look for things that are unusual and then usually you don’t know, what happens is the two guys with the gold badges and guns show up and you are gone.

PAT GEORGE:  Why is she asking all of these questions?

KATRINA MADEWELL:  I don’t know my mind is a little rogue this morning.

DARRIN T. MISH: I think she might have a friend.

PAT GEORGE:  Yeah.

Fourth Segment (Part Four): IRS Tax Debt Help

KATRINA MADEWELL:  No I don’t.

PAT GEORGE:  I think a very close friend.

DARRIN T. MISH: Exactly.

KATRINA MADEWELL:  I would ask them to come to the show you know I would.

PAT GEORGE:  Or somebody that lives in her house.

KATRINA MADEWELL:  What are you talking about?

DARRIN T. MISH: I don’t think she is understanding what we are saying.

KATRINA MADEWELL:  No, I think I missed something.

irs-tax-debt-help-lawyer-at-florida-gators-gameDARRIN T. MISH: We are saying you probably are fearful that you are under IRS criminal investigations yourself.

KATRINA MADEWELL:  No but I,  that you said if you think you are under IRS investigations you might want to pull the FOIA out I’m like why would anybody even do that…

PAT GEORGE:  You see her eyes get real big when you said that.

DARRIN T. MISH: The reason that I, people think that because they haven’t filed a tax return in 10 years or whatever and they are just, there’s people that have convinced themselves that every knock they hear in the middle of the night is the IRS coming to arrest them.

Fifth Segment (Part Four): IRS Tax Debt Help

KATRINA MADEWELL:  Ok.  So we were just talking about Darrin’s paranoid clients again.  I got it.

DARRIN T. MISH: Oh that’s just too harsh and too strong.

KATRINA MADEWELL:  I’m just teasing, I’m teasing we love you guys.  We will be back in just a minute.  Stick around we will carry on with, what the IRS has on you.  Back in a minute.

DARRIN T. MISH: Welcome back to the IRS Solution Attorney show I am your host The IRS Solution Attorney Darrin T. Mish.

KATRINA MADEWELL:  And I’m your co-host Katrina Madewell we are actually streaming live on my Facebook stream because we had a little bit of pattern interrupt in the middle of the show here.

DARRIN T. MISH: During the break we had something that I had never really thought of but there was basically a fire alarm that was going off here during the break and I never once for a second was going to leave the show I mean we are live, we’ve got to be here because we have good information that we are providing to people who need it.

PAT GEORGE:  You know it’s…..

KATRINA MADEWELL:  See that red hot button up there that means the mics are hot and we are live yeah we know it’s…..

PAT GEORGE:  You know it’s not bad when you have everybody here like engineers during the day but when it goes off at night…

DARRIN T. MISH: Mmm Hmmm.

First Segment (Part Five): IRS Tax Debt Help

PAT GEORGE:  You know there’s only,  you know the little people that don’t know what to do that happened to me, I was just in here doing the traffic and the fireman walked by the door.

KATRINA MADEWELL:  Wait, was this recently Pat?

PAT GEORGE:  A few months ago and they said that yeah there was an alarm somewhere but they were trying to find it, they finally found it you know they couldn’t get into the electrical room and stuff so, but it was like what do you do? I mean someone’s got to hold down the ship so I just stayed and did the traffic and did everything else and said hello to the firemen.

DARRIN T. MISH: I would assume that the powers that be would like there to be something going out on the air whether there is a fire alarm or not.

PAT GEORGE:  Right.  We don’t go down until the waters to our knees.

DARRIN T. MISH: Kind of like the post office right?

PAT GEORGE:  We stay right here, keep playing the piano.

IRS tax debt helpKATRINA MADEWELL:  Unlike the IRS building next door that if the fire alarm goes off they  are all out I’m sure.

DARRIN T. MISH: They would be closed for the rest of the day.  Their computers go down remarkably often, you know seriously, you call and you need certain kind of information from them and they are like sorry call back never our computers are down.

KATRINA MADEWELL:  Well it’s interesting cause I am like, I told Darrin I said I am going to Facebook live this like we are just sitting in the studio and the fire alarm is going off, is this real, is this a drill and I see other people walking by Facebooking live too. Only in a radio studio would nobody not actually leave the building.

DARRIN T. MISH: I don’t smell any smoke we are fine.

Second Segment (Part Five): IRS Tax Debt Help

KATRINA MADEWELL:  Park a little closer next time with your truck.

DARRIN T. MISH: Yeah it’s actually so high you could probably go through to the second floor.

KATRINA MADEWELL:  If we have to step out the second story window we are good.

DARRIN T. MISH: At least we are in a studio that actually has a window I mean many radio stations most of the studios don’t have any windows, you can’t tell what time it is, day or night, it looks like Vegas in there, you have no idea and that would be a little bit different I think.  I don’t see any black smoke so I think we are fine.

KATRINA MADEWELL:  It was a drill Pat?

PAT GEORGE:  It was a drill.

KATRINA MADEWELL:  Ok good.

PAT GEORGE:  It was a fire drill.

KATRINA MADEWELL:  Ok.

DARRIN T. MISH: Remember that in grade school….

Third Segment (Part Five): IRS Tax Debt Help

KATRINA MADEWELL:  Why didn’t they tell us that?

DARRIN T. MISH: Well cause then it wouldn’t be spontaneous and you would ignore it.

KATRINA MADEWELL:  Like people in a studio on a live show are not going to ignore it anyway.

PAT GEORGE:  But you see how nice they did it, they did it during a commercial break so you didn’t have to hear that alarm on the air.

KATRINA MADEWELL:  You could hear it during your traffic report if you all were listening to  Pat a minute ago.

Alright so the topic of the show back to the meat and the potatoes, not the fire drill is what the IRS has on you and we were talking about all these crazy acronyms for forms and things that they pull right?

DARRIN T. MISH: Right so in the last segment we talked about how to do a FOIA request and what transcripts to ask for if you were going to do a FOIR request.  Let’s talk about something a little bit more practical now.  Let’s talk about how a regular person can get their transcripts you know online and by phone.  Because it’s just a whole lot easier so the IRS doesn’t usually make like short url’s so it’s easy to find stuff on their website but I actually Googled IRS Online Transcripts and the page came right up..

KATRINA MADEWELL:  They sell it?  I’m just asking.

DARRIN T. MISH: I’m sure there are people that resell free Government information but no the IRS actually has a webpage where you can go to their webpage and if you are the taxpayer you can get your transcripts online so you can get your tax return transcripts like we talked about, you can get your account transcripts which is what I am usually talking about that’s theoretically that’s the (inaudible) X.  The account transcripts is kind of like, is kind of like a credit card statement, shows exactly how much you owe, what the interest and penalties are, everything that has transpired on the case since that tax return was filed or not filed, all of those kinds of things and that’s where you could really learn a lot about what’s going on in your case.

Fourth Segment (Part Five): IRS Tax Debt Help

KATRINA MADEWELL:  How much security is there Darrin so they can actually verify that that’s you?

DARRIN T. MISH: Great question. I don’t know if you know this but a few months back there was just like a brute force attack on the IRS and the hackers did get through and got a whole bunch of peoples, you know 10’s of millions people’s private tax information.  That’s why it’s so fascinating the government wants to put all your health care records online that will be great.  But a little sarcasm there.

KATRINA MADEWELL:  How does that class with HIPA? Not at all.

DARRIN T. MISH: But yeah so there was some brute attacks and they think they came from overseas just like all the attacks seem to be coming from.  But when you log onto the IRS website you are gonna need your adjusted gross income amount from last year or the last tax return that you filed that’s one of the ways that they verify that it’s you.

IRS tax debt helpKATRINA MADEWELL:  But wait, didn’t you say that we can’t find the return and that’s why we are asking for it?

DARRIN T. MISH: Yeah, if you don’t have the adjusted gross income you are not getting anything.

KATRINA MADEWELL:  Yeah, I can see this is going to go over real well.

DARRIN T. MISH: Yeah, so if, if you go online and you can’t get the transcripts then are gonna need to either go, you are going to need to request it by mail and on that webpage where you can request them online there’s an address where you can send a request by mail.  I would guess…

Fifth Segment (Part Five): IRS Tax Debt Help

KATRINA MADEWELL:  Certified mail.

DARRIN T. MISH: I would guess if you request them by mail it’s going to take a long time.  Like….

KATRINA MADEWELL:  So do you just send them a copy of your ID?

DARRIN T. MISH: I don’t know I don’t really…

KATRINA MADEWELL:  And to say yeah my address is the same as what I filed on my return, send them there?

DARRIN T. MISH: Well here’s what it says it says get transcript by mail what do you need, you need your social security number, your date of birth, and a mailing address from your last, from your latest tax return you know….

KATRINA MADEWELL:  Ok I got all of that.

DARRIN T. MISH: But you have all of that but my guy who used to live in Indiana and now lives in Florida and he was younger 10 years ago because we all were, right?

First Segment (Part Six): IRS Tax Debt Help

KATRINA MADEWELL:  I hope so.

DARRIN T. MISH: And he’s moved you know like 17 times in the last 10 years he might have trouble knowing where his, the last address that you know form is last filed tax return.  A lot of people wouldn’t but some people will.

KATRINA MADEWELL:  All you RV people that travel and don’t really have a homestead.

DARRIN T. MISH: Most of those folks. l have a P.O. Box in a non-tax state like…

KATRINA MADEWELL:  Can you use a P.O. box on your tax return?

DARRIN T. MISH: Yeah for sure I do.

KATRINA MADEWELL:  Oh cool.

DARRIN T. MISH: And one of the reasons why….

KATRINA MADEWELL:  I don’t think we have ever talked about that.

DARRIN T. MISH: One of the reasons, well I do because I get all of my mail at a P.O. box basically because I have an office and I think that P.O. boxes are more secure, it’s really hard to steal mail out of a locked box versus you know your mailbox in front of your house.  We don’t ever talk, we don’t ever talk about this as a society but you know that’s really not very secure. It’s this box that is open to the public and all your stuff is in there including checks…

KATRINA MADEWELL:  And that’s, that’s why by the way you can opt out of all of those credit card offers so that they are not sitting in your mailbox all day while you are at work and then someone just fills that sucker out and goes to the mall.

PAT GEORGE:  And where he lives now the Pony Express only makes it there once a month.

Second Segment (Part Six): IRS Tax Debt Help

KATRINA MADEWELL:  Yeah, you know the police out there, the sheriff goes, sheriff goes by horseback.

DARRIN T. MISH: There is a mailbox out on the road.

PAT GEORGE:  He is named Barney.

DARRIN T. MISH: And the…

KATRINA MADEWELL:  It’s not a rural route?

DARRIN T. MISH: The irony is I don’t check that mailbox very often because I don’t get very much mail there and if I do get like a statement you know from a credit card or something there then I just change the address back to the P.O. Box.

KATRINA MADEWELL:  Darrin what’s your address rural route 49 in BFE Florida….

DARRIN T. MISH: I take all kinds of abuse.

Third Segment (Part Six): IRS Tax Debt Help

KATRINA MADEWELL:  Come on, we have to have fun we got to break it up a little bit.  Alright so if you order the tax transcript how long does it take to get it and how long does it take if you don’t have that adjusted income? You said a long time but like is it a 6-month long time?

DARRIN T. MISH: If you go online it’s essentially instantaneous.

KATRINA MADEWELL:  Really?

DARRIN T. MISH: Yeah if you go online it’s going to show, it’s basically going to populate and you can print them out right then and there, if you do it by mail the website says it’s going to take 5-10 calendar days to get them to you, that’s interesting we will see if that is true or not.  It seems pretty short and pretty efficient but you know sometimes things work out.

KATRINA MADEWELL:  I think maybe we should do a study and then we will report our findings on air every week what do you think? Does that sound like a good plan Darrin?

DARRIN T. MISH: Well routinely I see correspondence from the IRS that says, in fact I just saw one yesterday, so now we are in October of 2016 for people listening to the recording and I got a letter that says for a taxpayer that said thank you for your letter dated December 1, 2015, this is in response to that letter ok it only took you guys 11 months to write that, that’s pretty efficient.

Fourth Segment (Part Six): IRS Tax Debt Help

KATRINA MADEWELL:  Pretty prompt.

DARRIN T. MISH: Lastly, so you can get your transcripts online or by mail and lastly you can call them on the phone and you can request that they send them to you as well and that phone number is 1-800-908-9946, 1-800-908-9946 now that is not my office number but that’s the IRS number to call and get your IRS transcripts.

KATRINA MADEWELL:  Darrin is at 888-get-mish.

DARRIN T. MISH: Yeah, that’s my phone number 888-get-mish, we get calls for the IRS just about every single day but the IRS phone number for getting your transcripts is 1-800-908-9946.

KATRINA MADEWELL:  That’s pretty cool though that you are getting calls people thinking that you are the IRS because of how you are doing what you are doing.

DARRIN T. MISH: It’s because the Google monster, when you type in the IRS…

KATRINA MADEWELL:  Darrin pops up.

DARRIN T. MISH: I pop up and people who are not like, you know if they are under stress or what not they are not really thinking they just call us and we have to tell them no sorry we are not the IRS.

KATRINA MADEWELL:  And we do answer questions by the way so if you have any and you want to Tweet them to Darrin @darrin_mish with an “i” we will answer them live on air and also Facebook.

DARRIN T. MISH: That’s exactly and visit our or join our or like I guess you like your page on, like the page on Facebook at the IRS Solution Attorney.

KATRINA MADEWELL:  So we had a question from Joe, very relevant question, very right on time for our listeners and a lot  of people listen to the show.  He wants to know how much will he be penalized if he does not pay his taxes quarterly?

Fifth Segment (Part Six): IRS Tax Debt Help

DARRIN T. MISH: I was trying to find the penalty rate failure to make estimated tax payments time before the show and I really couldn’t find the rate but I know that it’s really small.  So if you owe, you know if owe 10 grand your penalty rate for that or your total penalty for failure to make estimated tax payments is going to be like under 300 bucks.  So it’s not, it’s not significant it’s not serious and that’s actually probably one of the reasons why more people don’t make estimated tax payments.  Now I’m not an advocate of IRS penalties but if you penalize something you are going to get less of that behavior right, sort of makes sense right, if the, if the penalty for late filing a tax return was 5 million dollars either one of two things would happen either no one would ever file just in protest or everybody would file because that is just so much money right.  The penalty rate on that failure to make estimated tax payments is so low it’s like, it’s so nominal that I don’t think that it gets anybody’s attention. So it’s not significant that’s kind of the bottom line.

KATRINA MADEWELL:  Ok, makes sense alright Stacy has a question to let’s get to her before we have to take a break.  Where is the best place to get tax forms if you don’t own a computer can we still get them at the Post Office or a Library, that’s a great question. I don’t even know the answer to that Darrin do you?

DARRIN T. MISH: You can get a copy of tax forms at 1-800-tax-forms believe it or not it’s the IRS.  It used to be back in the day you could go to your library and you could get your tax forms, you could go to the Post Office, there was a variety of Governmental offices, you could actually go to the IRS and get tax returns, tax forms believe it or not I was just at the….

KATRINA MADEWELL:  You can’t get them from the IRS anymore?

DARRIN T. MISH: I was just at the Tampa office of the IRS and all of the tax forms that used to be on one wall are all gone now.  So the only way to get them is to either print them out online or call 1-800-tax-forms and get them there.  I’ve actually…

KATRINA MADEWELL:  If you walk in there and ask for them would they give them to you?

DARRIN T. MISH: They don’t have them.  They don’t have them.

PAT GEORGE:  They don’t want to waste all that paper anymore.

DARRIN T. MISH: That’s probably what it is.

First Segment (Final): IRS Tax Debt Help

PAT GEORGE:  Saving money.

DARRIN T. MISH: You know there’s probably…

KATRINA MADEWELL:  I mean, well, people probably don’t do that much anymore.  They probably don’t, I mean really I mean Stacy the question nobody really asks that anymore.  Do you go pick up forms from the post office or the library.  Cause that used to be a normal thing but in the day and age of computers and everything being online it’s kind of gone by the wayside.

DARRIN T. MISH: Yeah, within the last couple of years I did have to call 1-800-tax-forms and request a, some kind of form but I can’t even remember what it was but think about that I deal with this every day, day in and day out and there was one form in the last couple of years that I couldn’t get online for some reason, I think it was a W-3 or something that was, it had colored paper.

KATRINA MADEWELL:  Yeah I think they still have them in Office Depot and stuff like that to like the office stores…

DARRIN T. MISH: Yeah like W-2’s and 1099’s you can definitely buy them at office stores..

KATRINA MADEWELL:  Alright, so when we come back we’ll talk about anything that we might of left out on our little outline here and what the IRS might have on you as far as information.  I think we should share one of our headline stories we don’t get to those very often Darrin but one of them is the IRS finalizes taxpayer definition rules for same sex marriages. I think we should chat about that it’s an interesting topic that people will want to know.  You are listening to the IRS Solution Attorney show I’m your co-host Katrina Madewell with Mr. Darrin Mish and we will be back in a minute.

Second Segment (Final): IRS Tax Debt Help

DARRIN T. MISH: Welcome back to the IRS Solution Attorney show I am THE IRS Solution Attorney, Darrin T. Mish.

KATRINA MADEWELL:  And I’m your co-host Katrina Madewell. Thanks for sticking with us through the break and today’s show we talked a little bit about fire alarms and we talked a little about what the IRS has on you so it’s kind of like a curious show like how much information do they actually have on you and how do you get some information  from them if you don’t have it?

DARRIN T. MISH: Yeah so lets talk about real quick too, if you were going to do an online mail or phone request for transcripts what do you ask for.  Well if you want a copy of the tax return then you are going to ask for the tax return transcripts and like we said you can only go back 3 years on those.  On the others you can go back pretty far I mean I’ve gone back into the 80’s on some cases but don’t do that unless there is a reason to do it like if you haven’t filed a tax return in 20 or 30 years and there’s probably people who are listening saying what but their are people I meet them who haven’t filed a tax return in 20, 30, 40, 50 years.

PAT GEORGE:  Speaking of that, I want to clean out my office and I was going through and I found all these old IRS records and I know they say keep at least what 4 or 7 years?

DARRIN T. MISH: I would say…

PAT GEORGE:  What would you do?

DARRIN T. MISH: I would say 7 or 8 years is a pretty good, is a pretty good rule but why don’t you just scan those things and put them on Google Drive and be done with it?

PAT GEORGE:  Ok you’d scan what the first 2 pages or what would you scan I mean you would have to scan the whole thing cause some of those you know back when I used to make money I have some thick records…

KATRINA MADEWELL:  Really 8 years Darrin? You only have to go back 6 if you don’t file, 8 years seriously?

PAT GEORGE:  Hey he’s the expert…

DARRIN T. MISH: It’s an opinion you know he asked for an opinion and I can’t tell you, I can’t tell you exactly…

Third Segment (Final): IRS Tax Debt Help

KATRINA MADEWELL:  It’s a good question cause I haven’t thrown any of ours away we just throw them in the attic like the old ones, the new ones I don’t I mean…

DARRIN T. MISH: That’s where mine were before I moved they were for sure in the attic going back probably….

PAT GEORGE:  Oh, that will be a  nice fire if anything ever breaks out.

DARRIN T. MISH: Yeah and there’s probably some rodent droppings in there.

KATRINA MADEWELL:  And you know what a little real estate tip people forget a lot to get the stuff out of the attic like you are busy moving and packing everything else well you have to remind them hey don’t forget…

PAT GEORGE: Let’s get back to my question.

KATRINA MADEWELL:  Yes, yes…

PAT GEORGE:  I’m only worried about me.

KATRINA MADEWELL:  You know, I was going to offer to help you but never mind.

PAT GEORGE:  How much do I have to scan on them? I mean it’s in an envelope.

DARRIN T. MISH: I would scan it all.

PAT GEORGE:  Oh my goodness.

DARRIN T. MISH: See we have (inaudible) at scanners, I’m sure Katrina does to, I mean you just drop 50 pages and you kind of walk away and they just go zoom, zoom, zoom.

Fourth Segment (Final): IRS Tax Debt Help

KATRINA MADEWELL:  Be nice to me and I will help you with that.

DARRIN T. MISH: If you really need help with that Pat you can give them to me and I’ll scan them and give them back to you.

PAT GEORGE:  What if I lay it on a picnic table and just take pictures.

KATRINA MADEWELL:  No Pat, no.

DARRIN T. MISH: Well there’s a really good, that’s not, I know he is trying to be a smart alec.

PAT GEORGE:  No that’s what…

DARRIN T. MISH: But there’s a great app that is called scannable that you can get for your smart phone and it will take a picture and turn it into a pdf.

PAT GEORGE:  Oh.

DARRIN T. MISH: And then you can send it wherever you want.

Episode Transcript: IRS Tax Debt Help

PAT GEORGE:  See ask and you shall receive.

KATRINA MADEWELL:  But on your flip phone Pat it’s going to be a little blurry.

DARRIN T. MISH: How does Nokia flip phone circa 1993.

PAT GEORGE:  Got it right here in my hand.

KATRINA MADEWELL:  They were bricks back then in 93.

DARRIN T. MISH: That’s true.

KATRINA MADEWELL:  Alright so real quick, our headline story cause we promised we are going to talk about it.  The IRS finally finalized tax payer definition rules for same sex marriages.  So what’s the dealio with that story?

DARRIN T. MISH: So one of the things that was sort of interesting as the whole same sex marriage thing is coming out was that I was thinking just from my perspective and what I do for a profession, I was like man like you guys got to be careful what you ask for here because a long with marriage comes along a lot of other hassles right there’s actually a marriage penalty, a lot of people don’t know about that but married people actually file, pay a higher tax rate then unmarried people…

KATRINA MADEWELL:  We do?

DARRIN T. MISH: Yeah, you actually pay a higher tax rate then unmarried people which is kind of crazy unless the government wants to disincentivize marriage which they say they don’t but anyway that’s a practical effect but the other thing is that, at first I couldn’t figure out why all of my family law attorney friends were all pro-same sex marriage I mean like gun ho and then it occurred to me they’re gonna get divorces,  think about it, I mean right after same sex marriage is legalized I’m sure like a week later the first divorces started rolling through…

KATRINA MADEWELL:  Oh my gosh…

DARRIN T. MISH: So that, those were my thoughts when the whole same sex marriage thing started to pass through. For awhile before that Supreme Court case had passed the IRS was recognizing same sex marriage in the states that were allowing it, I can’t remember the states now but there was a hand full of states, not even half I don’t think but there was, I don’t know there was 10 or 15 that were recognizing same sex marriage and so the IRS was coming out with rules so, you know there’s just like, this particular article’s talking about terms like the words, the term spouse instead of husband or wife…

KATRINA MADEWELL:  Right.

DARRIN T. MISH: Because you could have husband and husband and or wife and a wife I guess, I’m not really clear exactly…

KATRINA MADEWELL:  You should be gender neutral anyway.

Fifth Segment (Final): IRS Tax Debt Help

DARRIN T. MISH: I suppose, I guess, I guess there’s no reason for there to be a gender specific when it comes to tax especially when you have you know…

KATRINA MADEWELL:  A spouse is a spouse is a spouse.

DARRIN T. MISH: Exactly, so those are the types of rules that the IRS passed to you know provide the, Federal tax purposes the term spouse, husband and wife mean the same thing.

KATRINA MADEWELL:  So, are we doing a train wreck Darrin did you get if figured out?

DARRIN T. MISH: Yeah for sure.

KATRINA MADEWELL:  Ok.

PAT GEORGE:  The train is always on time too.

DARRIN T. MISH: It’s about that time.

KATRINA MADEWELL:  The train almost didn’t come this week.

Sixth Segment (Final): IRS Tax Debt Help

DARRIN T. MISH: It’s time for the IRS train wreck of the week, this is the segment of the show when we talk about someone who came into the office and they are kind of a mess and by the time they leave it all ends in a happy ending.  So, today’s story is sort of interesting. This couple came in and they had been, they were kind of umm, they were in the later parts of their career so they were approaching retirement age and they were living high on the hog and they had racked up about $300,000 worth of IRS tax debt help and at the time we could not do an offer in compromise via the tax forgiveness act because they were earning too much money and so what we did was we actually put them into a chapter 7 bankruptcy. They owed about 300 grand and we wiped out like 250 grand of this 300 grand which is a pretty good darn resolution. We also knew that after the bankruptcy very soon after they were going to have to stop working cause they were retiring and they were in great health and so their income would go down dramatically and so then what we did was file an offer in compromise on that last $50,000. This is tentative, it hasn’t gone through, but the IRS is saying that they are going to approve an offer of $5,808.00 on that last $50,000 so in a nutshell it looks like 300 grand is going to go down for about $5,808.00.

KATRINA MADEWELL:  And that’s a common misconception about IRS debt settlement to cause a lot of people think that if you owe the IRS money it’s not dischargeable in bankruptcy and that’s not always the case.

DARRIN T. MISH: Exactly, and as I recall this case this couple was making really good money I want to say they were making $25,000 or $30,000 a month when we filed the bankruptcy but they did actually owe a lot of money and because they, because it was all IRS tax debt help they needed, and there was very little consumer debt, very little credit card debt  they didn’t have to follow the same rules that most debtors have to follow when they go into bankruptcy so they did not have to go through the median income test and the means test we just put them straight into chapter 7.  The US trustee who is the overseer of all trustees in the United States kind of had a mini stroke and really didn’t like the case.

Seventh Segment (Final): IRS Tax Debt Help

KATRINA MADEWELL:  I bet.

DARRIN T. MISH: Bottom line is we used the law, the law says you can do it…

KATRINA MADEWELL:  What type of IRS tax debt help was that out of curiosity?

DARRIN T. MISH: It was income tax.

KATRINA MADEWELL:  Ok so income tax isn’t….. wow…

PAT GEORGE:  You used the law you pulled a Trump.

KATRINA MADEWELL:  Oh, let’s not go there Pat and get Darrin on a wild spiel we don’t have time to finish that conversation.

PAT GEORGE: We have a minute less then a minute…

KATRINA MADEWELL:  Don’t get him started on Trump talk with a minute left, we’ll save that for Mason and Charlie in an hour.

DARRIN T. MISH: Well, let me just, let me just chime in real quick.  I do not recall a time in my adult, in my life period I remember every election going back to 1976, I do not recall a time when we had 2 more disappointing choices than we have right now.

Signoff: IRS Tax Debt Help

KATRINA MADEWELL:  Well you know it is what it is.  I’ve been telling the kids for years now we’re picking the lesser of two evils.

DARRIN T. MISH: Well, we’ve been saying that but the evils have become so lesser.

KATRINA MADEWELL:  Well we had fun hanging out with you guy’s this week you are listening to the IRS Solution Attorney show for this week…

DARRIN T. MISH: We’re out thanks for listening.

 

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