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  • What? after collection calls-threats of third party

    Scenario: Senior citizen-lost entire savings in stock market, IRS has
    attached home...In good faith went out & got a job to pay credit cards.

    For 2 1/2 years - paid faithfully - lost job - barely living off Social
    Security. Was advised not to declare bankruptcy becauseof IRS lien.

    Have not paid on accounts since lost job; have been up front with
    creditros when they caled (every 5 days). Just got no money.

    THEY say account will be charged off and turned over to attorney or
    collection agency. Two of these account over $12,000. There was never
    any big resaleable mdse bought and no charges for over 2 years.

    What can I expect next? I'm 67 w/70 yr old disabled husband. We live
    modestly - in Misissippi. Can't even afford a lawyer.



  • #2
    What? after collection calls-threats of third party

    To hell with the IRS lien. Go ahead and file. You can't bankrupt on back
    taxes so the lien isn't going to prevent you from filing.

    Good luck!


    "Secret-Shopper" <[email protected]> wrote in message
    news:[email protected]
    Scenario: Senior citizen-lost entire savings in stock market, IRS has
    attached home...In good faith went out & got a job to pay credit cards.

    For 2 1/2 years - paid faithfully - lost job - barely living off Social
    Security. Was advised not to declare bankruptcy becauseof IRS lien.

    Have not paid on accounts since lost job; have been up front with
    creditros when they caled (every 5 days). Just got no money.

    THEY say account will be charged off and turned over to attorney or
    collection agency. Two of these account over $12,000. There was never
    any big resaleable mdse bought and no charges for over 2 years.

    What can I expect next? I'm 67 w/70 yr old disabled husband. We live
    modestly - in Misissippi. Can't even afford a lawyer.






    Image by FlamingText.com


    Comment


    • #3
      What? after collection calls-threats of third party

      Depends on how old the taxes are!
      "Lost-In-Translation" <[email protected]> wrote in
      message news:[email protected] hlink.net...
      To hell with the IRS lien. Go ahead and file. You can't bankrupt on back taxes so the lien isn't going to prevent you from filing. Good luck! "Secret-Shopper" <[email protected]> wrote in message news:[email protected] Scenario: Senior citizen-lost entire savings in stock market, IRS has attached home...In good faith went out & got a job to pay credit cards. For 2 1/2 years - paid faithfully - lost job - barely living off Social Security. Was advised not to declare bankruptcy becauseof IRS lien. Have not paid on accounts since lost job; have been up front with creditros when they caled (every 5 days). Just got no money. THEY say account will be charged off and turned over to attorney or collection agency. Two of these account over $12,000. There was never any big resaleable mdse bought and no charges for over 2 years. What can I expect next? I'm 67 w/70 yr old disabled husband. We live modestly - in Misissippi. Can't even afford a lawyer. Image by FlamingText.com

      Comment


      • #4
        What? after collection calls-threats of third party

        Ferlin <[email protected]> wrote:
        Depends on how old the taxes are!
        And the type of tax, and whether and when you
        filed the return.

        Sounds to me like you really need to see a
        lawyer, regardless of whether or not you
        think you can afford it. If you don't do
        something, the credit card folks might be
        able to get liens on the house too.

        It is not necessarily correct that an IRS
        lien should keep you from filing bankruptcy.
        Also, in my experience, the IRS sometimes
        makes mistakes in their liens or forgets to
        renew them. It pays to check carefully.

        Like I said, you really need to see a good
        lawyer.

        Good luck to you!

        Kindest regards,

        Tom

        ----------------------------------------------------------
        Free help for businesses, families, and individuals facing
        past due debts and taxes: http://www.insolvencyhelp.org
        ----------------------------------------------------------

        Comment


        • #5
          What? after collection calls-threats of third party

          On Tue, 6 Apr 2004 15:15:47 -0500 (CDT), Secret-Shopper <[email protected]> wrote:
          : What can I expect next? I'm 67 w/70 yr old disabled husband. We live
          : modestly - in Misissippi. Can't even afford a lawyer.

          Successive congresses have cut way, way back on Legal Aid services but
          maybe it's worth trying anyway? If they can't help they may be able
          to refer you to someone who can help. Being seniors your avenues to
          assistance are a little broader than those available to folks < 65yrs
          old. Best wishes to you and your husband for a decent resolution of
          your concerns.

          Comment


          • #6
            What? after collection calls-threats of third party/Tom

            An attorney advised us not to take bankruptcy because of the IRS lien.
            He said they were nice now but could get serious over a BK.


            IRS lien placed 2003 on yr. 2000 tax bill. They are 2nd lien holder.
            House is average moderately priced. We won't get house paid for before
            we die. Only income is Social Security.

            The credit card debt is in my name only and until I lost job I kept
            current. Like I said - have talked to collectors - been completely
            honest but they are talking charge off - selling /contacting outside
            agency or attorney.

            When there are judgements - and the debt was unsecured - then what
            happens? Two of the debts are
            over $12,000 -

            I'm really scared.

            Comment


            • #7
              What? after collection calls-threats of third party/Tom

              Generally, the IRS doesn't sell houses for tax liens. I've filed thousands
              of bankruptcies for clients, and have never had the IRS take a harder
              position as a result.

              You really need to speak with a different attorney, one who handles a lot of
              bankruptcy cases.

              --
              Brett

              ************************************************** ***************
              * Personal Injury/Malpractice Bankruptcy *
              * *
              * BRETT WEISS, P.C. *
              * Attorneys at Law *
              * Maryland, D.C. and Federal Bars *
              * [email protected] *
              * www.brettweiss.com *
              * *
              * Small Business Estates & Estate Planning *
              ************************************************** ***************

              The Small Print: This response is for discussion purposes only. It isn't
              meant to be legal advice and you shouldn't treat it as such. If you want
              legal advice, speak with a local lawyer familiar with your state's laws who
              can review *all* of the facts and the law applicable to your situation.
              ************************************************** ***************

              "Secret-Shopper" <[email protected]> wrote in message
              news:[email protected]
              An attorney advised us not to take bankruptcy because of the IRS lien. He said they were nice now but could get serious over a BK. IRS lien placed 2003 on yr. 2000 tax bill. They are 2nd lien holder. House is average moderately priced. We won't get house paid for before we die. Only income is Social Security. The credit card debt is in my name only and until I lost job I kept current. Like I said - have talked to collectors - been completely honest but they are talking charge off - selling /contacting outside agency or attorney. When there are judgements - and the debt was unsecured - then what happens? Two of the debts are over $12,000 - I'm really scared.

              Comment


              • #8
                What? after collection calls-threats of third party/Tom

                Brett Weiss <[email protected]> wrote:
                Generally, the IRS doesn't sell houses for tax liens. I've filed thousands of bankruptcies for clients, and have never had the IRS take a harder position as a result.
                Yup. If you discharge non-IRS creditors, it just frees
                your money to pay the IRS. Why would they be upset about
                that?

                Do you understand WHY the lawyer thought the IRS would take
                a harder line because you filed BK? What exactly does "a
                harder line" mean?
                You really need to speak with a different attorney, one who handles a lot of bankruptcy cases.
                Sounds like a good idea to me, too. Getting several
                opinions from different attorneys can be most helpful.

                Good luck to you!

                Tom

                ----------------------------------------------------------
                Free help for businesses, families, and individuals facing
                past due debts and taxes: http://www.insolvencyhelp.org
                ----------------------------------------------------------
                -- Brett
                ************************************************** *************** * Personal Injury/Malpractice Bankruptcy * * * * BRETT WEISS, P.C. * * Attorneys at Law * * Maryland, D.C. and Federal Bars * * [email protected] * * www.brettweiss.com * * * * Small Business Estates & Estate Planning * ************************************************** ***************
                The Small Print: This response is for discussion purposes only. It isn't meant to be legal advice and you shouldn't treat it as such. If you want legal advice, speak with a local lawyer familiar with your state's laws who can review *all* of the facts and the law applicable to your situation. ************************************************** ***************
                "Secret-Shopper" <[email protected]> wrote in message news:[email protected]
                An attorney advised us not to take bankruptcy because of the IRS lien. He said they were nice now but could get serious over a BK. IRS lien placed 2003 on yr. 2000 tax bill. They are 2nd lien holder. House is average moderately priced. We won't get house paid for before we die. Only income is Social Security. The credit card debt is in my name only and until I lost job I kept current. Like I said - have talked to collectors - been completely honest but they are talking charge off - selling /contacting outside agency or attorney. When there are judgements - and the debt was unsecured - then what happens? Two of the debts are over $12,000 - I'm really scared.


                Comment

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