How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask CGCPA Your Own Question

Category: Tax
Satisfied Customers: 3781
Experience:  over 40 years experience in tax matters
Type Your Tax Question Here...
CGCPA is online now
A new question is answered every 9 seconds

I got accepted for social security disability a couple years

Resolved Question:

I got accepted for social security disability a couple years ago and to my surprise the process only took about 7 months and they made it retroactive back to 2003. Not sure what is in my file but I d know it is a combination of ADHD, post tramatic stress and depressive episodes. My divorce process went from 2003 thru 2006 and I was noticably drpressed for several years after the divorce and I made numerous bad decisions.

As a result i owe over $200,000 to the IRS. I greeted to two well dressed women telling them I already had a copy of the watchtower then panicked when they showed their IRS badges (humor)! ANyway, i spent too much money and made several bad investmants an lost everything. Forgot about the 20% owed on the tax deferred stuff I withdrew prematurely. Add to all this the fact that I did not open my mail for about 5 years.

I even had my accountant do 5 years of taxes, paid him but forgot to mail them so i still have this tax stuff showing that my not following thru on styuff is my achgielles heal.

I may be able to get a free lawyer to help me with the IRS., Is it possible to share my condition and how it has in many ways been responsible for this debt. How much can they take each month from me and for how long.

Any help would be appreciated.
Submitted: 4 years ago.
Category: Tax
Expert:  CGCPA replied 4 years ago.

Welcome to Just Answer. I am here to help you resolve your tax and finance concerns. Please feel free to ask anytime you need extra help.

I would suggest that your best bet is to file all the missing returns first. The reason for this is that the IRS has computed your tax obligation based on only the income information they have on file. They do not yet know about your deductions and exemptions. Filing the returns will bring the matter to a head.

Once that is done, you will get billing letters from the IRS. Then you can begin to deal with this in a logical way. I recommend filing an Offer in Compromise (OIC). An OIC lets you offer to resolve the tax debt for something less than full value. It can be as low as 10% of the debt depending on your ability to pay. They can accept or reject the OIC but once accepted they will establish a payment plan with you. The payment plan can be as long as 5 years but should be something far less painful. To begin educating yourself on this submission you should go to the IRS web site and review the Offer In Compromise forms and instructions. Then once you have gained a familiarity with this you can seek professional help in preparing the submission. If it is at first rejected, you can resubmit with a larger payment offer.

During the OIC submission process you will be able to state (and document) your situation. It will make them far more agreeable to working with you. They cannot take all or any portion of your SS Dbl benefit but will use it towards determining how much you have to meet living needs.

Category: Tax
Satisfied Customers: 3781
Experience: over 40 years experience in tax matters
CGCPA and 4 other Tax Specialists are ready to help you

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
< Previous | Next >
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
  • I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight. Bonnie Chesnee, SC
  • Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation. John Minneapolis, MN
  • Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with. Orville Hesperia, California
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA

Meet The Experts:

  • Wallstreet Esq.

    Tax Attorney

    Satisfied Customers:

    10 years experience
< Last | Next >
  • Wallstreet Esq.'s Avatar

    Wallstreet Esq.

    Tax Attorney

    Satisfied Customers:

    10 years experience
  • Wendy Reed's Avatar

    Wendy Reed

    Enrolled Agent

    Satisfied Customers:

    15+ years tax preparation and tax advice.
  • Mark D's Avatar

    Mark D

    Enrolled Agent

    Satisfied Customers:

    MBA, EA, Specializing in Business and Individual Tax Returns and Issues
  • Richard's Avatar


    Tax Attorney

    Satisfied Customers:

    29 years of experience as a tax, real estate, and business attorney.
  • jgordosea's Avatar


    Enrolled Agent

    Satisfied Customers:

    I've prepared all types of taxes since 1987.
  • MequonCPA's Avatar


    Certified Public Accountant (CPA)

    Satisfied Customers:

    CPA, Over 30 yrs experience w/individuals and small businesses. Masters in Tax.
  • R. Klein, EA's Avatar

    R. Klein, EA

    Enrolled Agent

    Satisfied Customers:

    Over 20 Years experience