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socrateaser, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36211
Experience:  Attorney and Real Estate Broker -- Retired (mostly)
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We had to file Chapter 7 inSept. 24, 2004 - discharged 12/30/2004.

Resolved Question:

We had to file Chapter 7 inSept. 24, 2004 - discharged 12/30/2004. The attorney that represented us filed 2 weeks ahead of time and it left us owing IRS an amount somewher around $16,000.00 and also California State Taxes both amount to over $21,000.00 if my memory is correct. We have never been able to catch up. We have been paying the St. of Caifornia but the IRS bill just keeps mounting. My husband is a retired sheriff's deputy. He has been very ill. Just recently came of Disability. He has had one back surgery and has to have another one at UC San Francisco Spinal Clinic Dr. Berven. He recently about two months ago was in intensive care here at MErcy Hospital and I almost lost him. All this medical information can be confirmed. My husband is trying to work..said he will try to try and catch up?We are desperate and struggling. IRS 7/31/2009 put a levy on Bank acct. THere is no money there.
I work F/T but can not cover the bills.What can we do?Please, help us/XXXXX@XXXXXX.XXX
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  socrateaser replied 6 years ago.

That's pretty ugly.


Frankly, I can't think of anything other than to make an offer in compromise to the IRS. Unfortunately, you would have to come up with a lump sum and that doesn't appear to be in the cards, either.


If you could hold out until Sept. 24, 2012, then you could file a second Chapter 7 bankruptcy and discharge your tax obligations -- but, until then, you're pretty much at the government's mercy.


You could file a Chapter 13 and try to craft a plan to stretch out your payments until 2012 and then convert to a Chapter 7. But, you would still have to wait until Sept. 2010 to file.


Hope this helps.


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Hope this helps.

socrateaser, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36211
Experience: Attorney and Real Estate Broker -- Retired (mostly)
socrateaser and 2 other Bankruptcy Law Specialists are ready to help you
Customer: replied 6 years ago.

Thank you. It appears that there is not much to do? My husband is very vulnerable

if, anything happens to him? I will lose my best friend. This will probably be the thing that ......the straw that breaks the camels back. I have to tell him when he gets home in a little while, what has happened.


Whom can I contact? any human rights out there? He has high blood pressure and serious respiratory issues. I guess this matters only to me. I don't want to sound like a crazy woman.So I am apoligizing. It's a frightenig time. I would like to add that we both are college graduates, and have tried to live correctly. We have paid taxes all of our lives. It's just the last ten years.....we have just had one bad thing after another.. And we cannot seem to self correct. Sorry for the long message and further intrusion for your time. I accept your answer and I thank you for taking the time to respond. Kind Regards, XXXXX XXXXX

Expert:  socrateaser replied 6 years ago.

This may seem a little weird, but you could write a letter to Warren Buffet, and any other benevolent billionaire that you can think of. If I had no other options, that's probably what I would do.

Customer: replied 6 years ago.



I have never had to write a letter like that? I would not even know how to begin. Is it a matter of stating all the life facts or medical facts ? Do people like us need character references?


It would feel a little to "begging". But, I guess in a way that is what I have done before....always gotten no' maybe that's why I have lost faith. Thanks, XXXXX XXXXX maybe think about it? not sure. Eve

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