Then, an oddly sympathetic IRS agent told me about a program called an “Offer in Compromise,” in which I offer to pay a percentage of the debt to discharge the whole thing.
I did my homework in online searches, downloaded the forms and made an offer I was thought would be refused: 20% of the debt.
A few weeks later the answer arrived: “Yes! We accept your offer!”
I could pay it off with just a few monthly installments that would be less than the payments I’d been making before, or if I was flush I could pay it all off at once.
I sang a happy little song and set up the payment plan. A stress has been removed from my life.
So, if you are in a similar state, you might consider this option. The dividends it could pay are quite tangible.
Best to you,