Tax Problems Report

IRS Problems Have A Way Of Ruining All Aspects Of Your Life. They Take A Toll On You Financially, Physically, And Emotionally. You Can Never Really Forget About Them As They're Always There Each Morning When You Wake Up!
My name is Jerry Merola and I am a former Department of Finance Senior Tax Counsel. I provide solutions to taxpayers like you who find themselves at odds with the IRS and the other taxing authorities. Your IRS problems are unlike many other problems in life, which may in fact go away by themselves. NO, IRS problems just continue to get worse and more costly with new penalties and interest being added EACH AND EVERY DAY.

How Do They Expect You To Pay Off Your Taxes If They Keep Adding Penalties?I don't know what the IRS thinks, but I do now that they ruin people's lives every day with these ridiculous penalties. IRS penalties were supposed to be a slap on the wrist to make you learn from your mistakes. But instead, they are used as a hammer to pound you so far into the ground that there are few options on how to get out.

What Do They Expect You To Do With Federal Tax Liens On Your Credit Report?
How can you possibly get a loan to pay the tax liens off when your banker won't even talk to you? Federal tax liens PREVENT YOU from being able to borrow any money for a car or a home. Taxpayers with IRS problems often have to shop at Buy Here, Pay Here car lots because these car dealers don't care if you have a Federal tax lien. They just charge more for the cars and hit you with very high interest rates.

Cars are expensive enough without you having to pay 18% to 21% interest on a used car loan. But with a Federal tax lien you don't have any choice. The banks have gotten so tough on opening new bank account that anyone with a Federal tax lien is usually prevented from even having a simple checking or savings account.

This makes it hard on some taxpayers to cash paychecks or pay monthly bills. Often they have to pay more money and use money orders or certified checks just to pay their rent or utility bills.

Taxpayers With IRS Problems Always Have To Look Over Their Shoulder For The IRS!
Once you owe the IRS money, they become very aggressive in their collection efforts. One of the more common collection methods the IRS uses is the LEVY!

They will use either a Bank Levy or a Wage Levy. If you're lucky enough to still have a bank account, the Bank Levy allows the IRS to present your bank with a subpoena that requires the bank to immediately withdraw all the money you owe the IRS. Many times these Bank Levies are wrong, but the IRS doesn't care and it's up to you to correct the problem. Meanwhile, the checks you've written are bouncing all over town.

The worst thing about the IRS Bank Levy is that it may capture your children's, parent's, girlfriend's or spouse's bank account if your name happens to be on the account. Even if it's just on there for convenience. The IRS doesn't care; they just want to get paid and they don't care who pays your taxes.

After the bank has cleaned out all checking and savings accounts with your name on them, they send the money to the IRS. You should take this as notice that the IRS will issue another Bank Levy against you in the future to satisfy any remaining amounts owed to them.

It's kind of like hitting the lottery for the IRS. When they find out how to get your money they will continue to see if they can keep winning by issuing more Bank Levies.

As Bad As The Bank Levy Is, The Wage Levy (Garnishment) Is Much Worse!
The Bank Levy is a one shot deal. Meaning that the IRS must continue to issue a new Bank Levy every time they want to clean out your bank account. The Wage Levy (Garnishment) is much, much worse. It's designed to bring you to your knees.

The Wage Levy is issued to your employer and it instructs the employer to immediately start withholding ridiculously high amounts of money to pay old tax liabilities in addition to the normal taxes being withheld. Wage Levies often result in you only receiving a few hundred dollars per pay period. This may make it impossible to pay your bills and eat. The IRS knows that Wage Levies cause all types of harm to you and your family, but they mail out thousands every day.

Having IRS Problems Gets Old!
There can be no real rest and relaxation until the problem is completely solved. It's hard to keep a good job or get your credit report cleaned up when the IRS continues to issue Federal tax liens and Wage Levies.

Without a bank account it's difficult to cash your checks or even pay your monthly utility bills. Even if you're lucky enough to have a bank account, you always have to worry about the IRS wiping out all of the money in the account without notice. Some taxpayers with IRS problems have a few assets they want to hang on to.

Then The IRS Pulls Out All The Stops. They Simply Seize Your Assets And Sell Them At Auction!
Getting the IRS mad enough at you to seize your assets is not that difficult. Many taxpayers with IRS problems simply cannot bear to part with all kinds of possessions. For example:

* Autos
* Boats
* Motorcycles
* Real Estate
* Retirement Funds
* Insurance Policies
* Antiques
* Collectibles
* Jewelry

Some of these things may be very personal or sentimental in value to the taxpayer. The IRS could not care less. If the taxpayer won't agree to whatever the IRS wants, then they risk having their assets seized. Do not underestimate any IRS employee's ability to follow through on the threat of seizure. Every IRS office in the country has a public list of recently seized assets and details about the upcoming IRS auction to sell those seized assets.

Payroll Taxes Are The Worse!
Many small businesses get into cash flow problems for all kinds of reasons. How they handle these problems, especially when payroll taxes are involved usually determines if they stay in business or not. The IRS takes an extremely strong position on payroll tax violations. They would rather close the business and sell off all the assets instead of trying to work out a deal with the business.

The worst thing about business payroll taxes is that IRS has the ability to collect business payroll taxes personally from anyone they think was responsible for not paying the taxes. For example, the business owner or any one who signs the checks on the business bank account may be singled out for collection activity.

They will try everything to get these payroll taxes. Usually a visit to your home or work is in order to start the collection procedures. Then all of the weapons in their arsenal can be used (Liens, Levies, or Seizure) until the taxpayer has agreed to some type of repayment.

Once the IRS has determined that the business owner cannot pay the payroll taxes and they have turned their sights on the individuals they think are responsible....look out!

What About Buying A Car Or Home?
Driving a new car or an almost new car these days requires you to borrow or lease the car. That's because they cost so much. Well, without the ability to walk into your local auto dealer and cut a deal on a new or almost new car, you're stuck with that old unreliable clunker just because you have a tax problem. It doesn't seem fair, but it's hard to get an auto loan or lease when you have an IRS problem.

Home loans are even harder to get. They are hard to get when your credit's good if you don't put a pile of money down on the house. Not having a home to write off causes you to pay even more taxes than your friends or neighbors because you have no tax deductions.

People that do have houses and then get into IRS problems run the risk of losing their home to the IRS. Yes, I mean selling the home and giving the money to the IRS for payment of back taxes or letting the IRS seize it and sell it at auction. You see, having a home before you get into IRS problems may even be worse than not having a home at all.

For example, if you own a home and then find yourself owing the IRS $25,000 for some income or payroll taxes, you could be making house payments on your home that effectively is owned by the IRS. Once they file a Federal tax lien on your home, you can't sell it without paying off the IRS. This means that you continue making the monthly payments, continue to take care of the home, and the IRS just sits there and waits. You pay all the bills or your home and they get all the equity. What a deal!

Imagine Having The IRS Attack Your Pension, Retirement Or Social Security Check!
The IRS leaves no stone unturned in its never ending quest to collect all taxes, penalties and interest. Sure, people think the IRS can't or won't levy retirement funds. They hope that when they get old the IRS will forget about them and how much they owe the IRS.

Don't believe it, the IRS never forgets! They just keep adding penalties to what you owe each day until they find you, or your money, or your income source. Then it's PAYDAY FOR THE IRS!

Taxpayers With IRS Problems Never Can Build Up Retirement Funds or Assets!

You'll always be looking over your shoulder for the IRS. This usually means you have to work until you die. You'll have no opportunity to save up for the days when you can't or don't want to work anymore.

There Is No End In Sight!
You just get up every day with this incredibly large burden on your shoulders. You wonder if today's the day when the IRS shows up at work, at home, or if they decide to levy your bank account or pay check. It's a large load to bear every day. Most people around you don't know what you're going through. You just keep going, but you know in your heart that doing nothing about your IRS problems is not going to make them go away.

Are There Ways Out Of IRS Problems?
Yes, there are ways to end IRS problems, but YOU must decide to end them. No one else can decide for you. When you decide that enough is enough and you want to have the things that everyone else has and you're really ready to do something about your IRS problems, there are options available to you!

Our firm concentrates in ending the misery of IRS problems! There are many possible ways to end these problems, but they all require you to take the first step. No one can help you until you decide to help yourself. We are very successful in ending IRS problems, but the taxpayer must be ready to follow our advice. We can walk you through the IRS maze. We do all the talking to the IRS. We also handle all the meetings and correspondences with the IRS.

Most Of Our Clients Never Meet With The IRS!
The solutions to solve IRS problems often include filing old tax returns to get you in current compliance with the IRS. The IRS will not negotiate with anyone unless they are current with all required filings. This means all income tax returns and payroll tax returns if you have employees.

The IRS assumes that if you won't at least get your required tax returns filed, then why waste the time trying to negotiate with you.
It's a rather simple request and we have easy ways to complete old tax returns. We realize that many taxpayers have lost old records or just can't find them! We can help you file old tax returns without any records, but you have to take the first step.

Once we have filed all your old tax returns, then the IRS will at least listen. What we tell them is how you want to end your IRS nightmare by...

Cutting A Deal To Pay Less Then What You Owe!
How much less? Well, if you qualify, a LOT LESS! The IRS looks at these old tax liabilities and knows it can't collect most of them. So they have set up this great new program called Offers In Compromise. This program allows taxpayers to pay pennies on the dollar to settle up on old income tax and payroll tax liabilities.

When I say settle up, I mean completely, 100%. Once the IRS has accepted the amount you offer and you pay the reduced amount, then the IRS releases all Federal tax liens. Your IRS nightmare is over and you get your life back.
Many Taxpayers Have Been Able To Get The IRS To Reduce The Penalties.

For taxpayers who can't file an Offers In Compromise for some reason, request the IRS to...

Reduce The Penalties!

This is a great way to drastically reduce the total amount you owe the IRS.

Many taxpayers are going through bad times or are currently down on their luck. So, the IRS has another program that takes your bad times or bad luck into consideration in reducing penalties.

The Amount You Owe The IRS May Not Be That Much....But Sometimes You Just Need A Little Time To Pay Them Off.
We can help by providing guidance in how to pay the least amount of taxes you owed on your schedules, not theirs.

Many taxpayers use our firm to keep the IRS away from them and their families. Most of our clients Never Meet or Speak With The IRS. We make the IRS call US, so our clients can go to work and carry on a normal life.

Your IRS problems will not go way by themselves. You only have three choices to end your IRS nightmare. You can either:

1. Pay the IRS 100% of What They Think You Owe Today or
2. Set Up A Monthly Payment Which Never Goes Away Due To The Additional Penalties
3. And Interest That Continue To Add Up or
4. Reduce The Total Amount You Owe To An Affordable Number And Get On With The Rest Of Your Life!

YOU DECIDE!!

I can help you explore all the choices and options, but you make take the first step. You can come in for a free consultation to discuss your options in confidence. Call my office today for an appointment.

Sincerely,

Jerry A. Merola, Esq.

WE ARE LAWYERS FOR LEGAL PLANS
Call today to see if your plan is one of them

This website provides general information. Due to complexities and constant changes in the law, exceptions to general principles of law, and variations of state laws, seek professional legal advice before acting on any matter!

Some of the information on this website only pertains to certain states. Accordingly seek professional legal advice before acting on any matter.