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Answers
We went to the largest tax resolution center in America for help.
It seems they are getting kickbacks etc. from the IRS because
all they seem to offer is Offers in Compromise. We would
like to have total debt elimination because we have proof
positive that we should deserve some relief and even a refund.
Anyone out there have problems with problem resolvers?
You can want elimination of the debt, but it just won't happen. If the IRS claims that you owe tax and will not budge on their position, your ONLY option is to take the case to Tax Court if you wish to try to eliminate the debt completely. Only you can decide if the cost of doing that is worthwhile.
If you don't want to go to court, your options are a payment plan or an OIC. The IRS never takes an OIC of $0 so don't bother wasting your $150 application fee to ask for that.
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Credit Debt Solutions: Understand the Different Options BigNews.biz (press release)
SETTLE FOR LESS: Debt Settlements, ahhhh –debt relief…for the right person based on your financial situation and long term credit goals. A debt settlement program is another way to eliminate debt that utilizes similar terminology like, just one monthly payment, debt management, debt consolidation, and debt relief. A settlement program pays back the debt at a reduced amount from the original amount owed, usually between 30%-60% less. While this may sound appealing to everyone it is only beneficial to a certain few. In order to settle a debt it must first –charge off- A charged off debt reflects poorly on your credit for 7 years as a bad debt, paid in full or not. An account does not charge off until it has been delinquent for 5-6 months of non-payment. Collection calls are usually consistent and some creditors will still take legal pursuit to resolve the debt. When the debt is settled upon the difference is then considered taxable income the following year and the debtor is issued a 1099
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