..and why did you owe so much last year? Was your witholding incorrect? Did you earn more or less last year?

Those questions are relevant to figuring out why you owe so much this year. You should look at last years taxes and see what went wrong then.

skip the chains.

Try something like FreeTaxUsa.com. It's free for federal and something like $15 for state.

If you're getting chemo, you might be at the threshold where you can start deducting medical expenses.

Have you paid any taxes along the way, file and pay your quarterlies? I presume he had taxes withheld?

You need to hire a lawyer who specializes in tax issues. They can help you get an offer in compromise.

It's where you prove how poor you are and the irs will take peanuts on the dollar.

I owed 15k and ended up paying $500. you are required to file on time the next five years or you lose the offer and have to pay the whole thing back.

The lawyers aren't cheap but, better then 25k

>Last years W4s filled out as married filing jointly with the 2jobs check box. Filed taxes for last year and we owe $.

How much did you owe?

Both W-4s having MFJ with box 2(c) checked shouldn't result in owing anything substantial so long as:

• The two jobs are the only source of income.
• Your income comes from pay checks and not supplemental pay (commission, bonuses, etc)
• Your companies' software can properly handle box 2(c) and withholds appropriately.

Just use your MMA and savings account to pay off your LIC. Any revolving LOC is crazy to keep in this high inflationary economy. Once you have ended your debt your options will open up immediately to save and invest more aggressively for other endeavors like your retirement accounts.

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Hindsight is 20/20, but the responsibility is on you to verify coverage with your insurance provider, not your healthcare provider. Same goes with dental coverage.

Hospital does not care about your credit score. Their job is to get money or write it off/send to collections and move on. Also as an example, a hospital sued my stepdad for 900$ when he was brought into their ER, unconscious and uninsured. He never even signed anything or agreed to go to the hospital.

Your best bet is ask if they offer any discount for paying in full. That usually nets my parents 10-20% off.

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I am on the eastern coast as well. Do you know of any chains or recommendations for either h&r block or something like that?

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I did file taxes and we had to repay about 5k

Duh. No penalty has no penalty for early withdrawal

i believe it is a 30-50 person company and he does work full time. They offer insurance but for the last few years it was cheaper through the market place.

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It is possible for transcription errors to occur. Run your paychecks through a paycheck calculator with the W4 settings you think you have and see if the deductions match.

Vs Alliant?

So you have 190k outside of retirement accounts and an otherwise paid off house? If you paid the LOC today and paid yourself, how fast could you replenish? Even then, the LOC interest is higher than any savings interest. I'd still pay it off with that.

Does he work full time? Does his employer offer insurance? How many people work at his company?

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Thanks for clarifying.

Did you file and pay taxes last year?

TaxSlayer has been a good easy one for me

This would be forgiveness of a late payment perhaps, but not usually to the credit bureaus, at least not any FI's I know of.

This and keep a calendar with all your bill due dates on it and cross off each as you pay it. Easy to tell at glance which ones are not paid.

hello, do you know or can recommend any type of service I can look into for this?