Tax Help
What to do if you Can’t Pay your Tax Bill

BY KNOWLEDGEFINANCIAL.COM

While tax time isn’t something most of us look forward to, some of us do anticipate a “reward” in the form of a refund check. But as of
December 15th, 2006, nearly 35 million returns did not include a refund, and no doubt many of those consumers found they owed the IRS a
good chunk of money.
If you can afford to pay your tax bill, it is best to just write a check and get it over with. But if you don’t have that kind of cash lying around,
take a look at other options. Note that tax rules change frequently, so check with your tax preparer or the IRS for updates to this information.

Not an option------------KNOWLEDGEFINANCIAL.COM
What’s not an option is not filing. If you don’t file, or if you don’t find a way to pay what you owe, taxes and penalties can accumulate quickly.
If you don’t pay what you owe, a Notice of Federal Tax Lien could be filed against your property. Tax liens are reported to the major credit
bureaus and they can drop your credit score significantly. They can be reported as long as any other type of negative information – seven
years from the date they are paid.
The IRS can ask you to sell or mortgage your assets or urge you to get a loan. Your tax debt may be turned over to a private collection
agency. The IRS can also take more serious enforced collection action, such as taking money from your bank accounts, wages, or other
income, or taking other assets. In general, they have many more options available to collect your tax debt than other companies to whom
you may owe money.

Charge It!
You can use a major credit card (American Express, Discover, MasterCard, or VISA credit card) whether you file electronically or file a
paper return. Credit card payments can be submitted via tax software when filing electronically. Credit card payments can also be made
over the telephone and by filing on line. In 2005, about 1.5 million taxpayers paid by credit card, an increase of 54% from the previous year.

The IRS does not set or collect any type of fee for credit card payments, but the private sector companies the IRS has authorized to process
these payments do impose convenience fees. The tax payment sent to the U.S. Treasury and the convenience fee are listed separately on
the cardholder’s credit card statement.-----------KNOWLEDGEFINANCIAL.COM

For the 2006 filing season, two companies were authorized by the IRS to accept credit card charges from both electronic and paper filers.
Each company offers both phone and Internet payment services and each charges a convenience fee (currently 2.49% of the amount paid)
for the service. Fees are based upon the amount of the tax payment and may vary between companies. The two companies are:
Link2Gov Corporation, 1-888-PAY-1040 (1-888-729-1040).
Official Payments Corporation, 1-800-2PAY-TAX (1-800-272-9829)

The disadvantage is that you may have to pay the convenience fee and interest to your card issuer while you pay off the balance. The
advantage is that you will have paid your debt to the IRS. It’s generally better to have an outstanding bill with a credit card company than
with the IRS.
Last year a number of issuers encouraged consumers to pay their taxes with their credit cards with special offers that allowed consumers
to reduce or waive the convenience fee and/or earn extra reward points. Visit the above links as tax time approaches to learn more about
current offers. Keep in mind that the extra interest charges you pay can quickly outweigh any rewards. Do the math and choose your lowest-
rate credit card to minimize the cost.

Tip: If your credit card issuer sent you promotional checks with low interest rates, you can use one of these to pay your taxes. You won’t
receive bonus points or other offers, but you won’t pay a convenience fee and the interest rate may be lower than your normal interest rate
for purchases. Watch out for fees associated with these checks. If there are fees, ask the issuer to waive them.

Line up a loan
Whether is a personal loan, a home equity line of credit, or a loan from your retirement account, you may want to borrow to pay off the IRS.
As with any loan, the interest and fees are important to understand. But when it comes to owing the IRS or a lender, a lender almost always
wins hands down. If you act quickly, you should be able to avoid a tax lien on your credit report.
Request a monthly payment plan from the IRS---------------KNOWLEDGEFINANCIAL.COM

If you can pay your full tax bill over time (in more than four months but less than five years, in most cases), you may want to ask the IRS for
an installment agreement.. With an installment plan, you make regular monthly payments until your tax bill is resolved. Like other options,
you can only request an installment agreement if all required tax returns have been filed.

If you owe $25,000 or less in combined tax, penalties, and interest, you can use the IRS Online Payment Agreement (OPA) to request your
installment agreement or call the number on the bill or notice you received. A fill-in Request for Installment Agreement, Form 9465, is
available online that can be mailed to the address on the bill.

If you owe more than $25,000 in combined tax, penalties, and interest, you may still qualify for an installment agreement, but a Collection
Information Statement, Form 433F, may need to be completed. Call the number on the bill or mail the Request for Installment Agreement,
Form 9465 and Form 433F, to the address on the bill.


The fee for new direct debit installment agreements, where payments are deducted directly from a taxpayer’s bank account, went up from
$43 to $52. The fee for other new installment agreements went from $43 to $105.
When you file your request for an installment agreement, you will have to pay what you can afford immediately and pay the rest over a
reasonable period of time.


In addition to the upfront fee, you will also pay interest – currently figured at around 8% per year, compounded daily – plus a late payment
penalty. This penalty, usually 0.5% of the balance due per month, drops to 0.25% when the IRS approves the agreement for an individual
taxpayer who filed the return on time and did not receive a levy notice.

Request a short-term extension
If you cannot pay in full immediately due to a hardship but you can pay within the next four months, you may be eligible for a short-term
extension of time to pay of up to 120 days. (An extension to pay is not the same as an extension to file.) There is no fee for an extension to
pay. You can file a completed Form 1127 along with a statement explaining why paying now would be a financial hardship for you.
KNOWLEDGEFINANCIAL.COM
The IRS does not approve the majority of these requests. Looking at the form with it’s warnings and requirements, including a detailed
list of your assets and itemized spending and income for the past for the last three months, is enough to scare most taxpayers off! Most
taxpayers will instead request either an installment agreement or an offer in compromise, or find another way to pay.

Request an offer in compromise
An Offer in Compromise (OIC) is an agreement between a taxpayer and the IRS that resolves the taxpayer's tax debt. The IRS has the
authority to settle or "compromise" federal tax liabilities by accepting less than full payment under certain circumstances. These include
doubt that the assessed tax is correct and doubt that you could ever pay the full amount owed. But it’s not an easy way to pay less than
you owe. In fact, the IRS says it resolves less than 1% of all balance due accounts through the OIC program.

When you see ads claiming you can “settle your tax bill for less than you owe,” they are usually referring to an offer in compromise. Be
careful, however, of promises to settle your tax bill for pennies on the dollar. The IRS warns that some companies are collecting
excessive fees from consumers who will never qualify for these programs. You can complete all the paperwork on your own by
following the instructions found at the IRS website.
Like most tax issues, the rules for offers in compromise have become more complicated. With the Tax Increase Prevention and
Reconciliation Act of 2005 (TIPRA), significant changes were made to the IRS Offer in Compromise (OIC) program.

As a result, it may make sense to get help from a tax professional to help you evaluate your options and prepare your offer in
compromise. The IRS generally has 24 months to accept or reject your offer or negotiate a further compromise.
One of the main changes in the law requires that offers submitted after July 16, 2006, must be accompanied by a $150 application fee,
and partial payments of the proposed offer amount. The form of these partial payments depends upon the taxpayer’s proposed offer and
its terms.

(There are exceptions to this requirement for low-income taxpayers, or offers filed when there is doubt as to liability only. See more
information below.)
When you file your offer (excluding doubt as to liability offers) you must specify whether you are filing a lump sum or periodic payment
offer. In the case of a “lump sum” (which means five or fewer installments), you must pay 20 percent of the offer amount with the
application.

If you file a “periodic payment offer” (which means six or more installments), you must pay the first proposed installment payment with
the application and pay additional installments while the IRS is evaluating the offer.
If you are a low-income taxpayer, or you are filing a doubt as to liability offer only, the $150 application fee is waived and you do not need
to make a partial payment. A low-income taxpayer is an individual whose income falls at or below poverty levels based on guidelines
established by the U.S. Department of Health and Human Services (HHS). Additional paperwork is required.
How to Cut Your Property Taxes ----------
KNOWLEDGEFINANCIAL.COM

One of the “joys” of homeownership is paying property taxes. While we all want our roads
plowed and our children educated, no one wants to pay more in taxes than necessary,
especially if our neighbors are paying less for a house that’s quite similar or even better.
The median amount that U.S. homeowners paid in property taxes in 2006 was $1,742, but
some folks were hit with much larger bills.

For example, according to the non-profit, non-partisan Tax Foundation, homeowners in
Hunterdon County, New Jersey paid the most. The median tax bite there was $7,999. Have
a bigger than average house on a large piece of property in Hunterdon? Then all I can say
is “Ouch!”

Wherever you live, you may be surprised to learn that the amount you have to pay is more
under your control than you may have thought. Municipalities all have procedures for
“grieving” property taxes, where – if you make a strong case – you can get your taxes
lowered, not just for a year, but for years to come.

How Property Taxes Are Calculated --------KNOWLEDGEFINANCIAL.COM
Before you can build a case, you need to understand how the tax collectors arrive at the
amount you have to pay. While the details vary, the taxes that homeowners pay are based
upon these four components:
1. The property’s appraised value: What the local assessor determines the property is
worth compared to other properties in the area. Also known as the property’s assessment,
it might be based upon your home’s current market value or on a community-wide re-
assessment that took place in the last few years.

2. The assessment ratio: For example, in Tennessee, taxes on homes and farms are
based on 25% of their appraised value, while in other states, the ratio can vary from county
to county.

3. The assessed value, which is determined by multiplying the property’s appraised value
by the assessment ratio. Staying with Tennessee, if a home is worth $200,000, its
assessed value would be $50,000 ($200,000 times .25). But in many parts of the country,
real estate is assessed at “full valuation,” that is, at 100% of the property’s assessment. In
these communities, the $200,000 house would have an assessed value of $200,000.

4. The tax rate, which is determined by the needs of local branches of government (e.g.,
county, town, and school boards), to cover the costs of schools, road maintenance, and so
on. For example, your tax rate might be $2.7864 for every $100 of the assessed value, or .
027864. Whatever the tax rate is, and they do vary significantly from locality to locality, the
math works the same. You pay that amount for every $100 your property is worth.

Please don’t be put off by the math! Once you know these four components, it’s easy to
calculate what taxes you’ll be expected to pay on your property. First figure out the
assessed value. Then multiply that by the tax rate. If your assessed value is $2000,000 and
the tax rate is .027864, your tax bill will be $5,572.80 for that year. Yikes!
Let’s go through this same example in slow motion:

Your home’s appraised value is $200,000.
Multiply that by the assessment ratio in your community, which we’ll say is 100%.
That means the assessed value of your property is also $200,000.
Multiply that assessed value by the tax rate of .027864 to figure out what you’re expected to
pay for that year: $5,572.80.
Now it’s your turn! To find what your tax should be, multiply your home’s appraised value
$_______________ by the assessment ratio in your community ______%, to get the
assessed value of your property – $___________. Multiply that assessed value by the tax
rate of ______% to figure out what you owe: $_____________.
While math errors are not to be expected in the Cyber Age, it pays to double-check the math
– especially if you’re the kind of person who balances your checkbook regularly. As a first-
time home buyer, I know I will be taking a close look at the calculations.

Tip: Becoming familiar with the terminology and the formula will help you in your
encounters with the assessor and hearing officers.

Pick Your Battles Carefully-------KNOWLEDGEFINANCIAL.COM
While it takes some effort, it’s well worth investing the time and energy to make sure you
aren’t paying more in property taxes than is fair. Remember, you may end up with a tax
break … not only for this year… but for years to come. Sounds great, doesn’t it? But railing
against high tax rates won’t get you anywhere.

Decisions about them are out of the control of the local officials who can take another look
at your tax bill. Of the four components that go into calculating your tax bill, the only one you
have a chance of getting changed locally is the assessment, the amount that the assessor
decided your home is worth, aka its appraised value.

Everything else requires the involvement of legislators and other policy-makers. By all
means, get involved in the political process! Just don’t expect your tax bill to show an
immediate response. So … back to what is possible for your current tax bill …


If you bought at the height of the market, when prices were at their highest (like I did) and
your assessment reflects the price you paid, even though the market really took a dive
where you live, you may have an especially good case for getting that amount lowered. After
all, if you tried to sell the house now, you’d get less than you paid for it, maybe a lot less,
thanks to the subprime mortgage meltdown.

What’s Happening to Property Values?
According to the Center for Responsible Lending, which expects some 2 million subprime
foreclosures, the high foreclosure rate will result “in a severe drain on property values –
even for families paying their mortgages faithfully every month – and will cause 44.5 million
homes to lose a total of $223 billion in wealth over the next few years, most of it in 2008
and 2009.”

Whether you’re a new homeowner or not, it’s well worth it to double-check your
assessment. Math errors, incorrect classifications, and out-of-date information are just a
few of the reasons that your assessment might be just plain wrong.
It’s a safe bet that the process for getting your assessment changed will be somewhat
involved -- it always is. It’s likely to be especially challenging this year because property
values are heading down throughout the country as more and more homes go into
foreclosure. As a result, some communities are taking a fresh look at local property values.

An increasing number of people are going through the grievance process to get their
property taxes lowered. That is, following the detailed local rules, they are trying to show
that their property’s assessment is too high, either because of errors or because of how
their tax bite compares with other homes in the community.---KNOWLEDGEFINANCIAL.
COM
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Filing your tax late and/or paying late

If taxes are not paid, and no effort is made to pay them, the IRS can ask a taxpayer to take action
to pay the taxes, such as selling or mortgaging any assets owned or getting a loan. If effort is
still not made to pay the bill, or make other payment arrangements, the IRS could also take more
serious enforced collection action, such as levying bank accounts, wages, or other income, or
taking other assets. A Notice of Federal Tax Lien could be filed that may have a detrimental
effect on a taxpayer’s credit standing. See information about Liens and Levies.

Tax solution
Other Ways to Resolve Tax Debt That Could Save You Money
Taxpayers unable to pay all taxes due on the bill are encouraged to pay as much as possible. By
paying as much as possible now, the amount of interest and penalties owed will be lessened.
Based on the circumstances, a taxpayer could qualify for an extension of time to pay, an
Installment Agreement, temporary delay, or Offer in Compromise.


What Will Happen If You Don't File Your Past Due Return or Contact the IRS?

The IRS will file a substitute return for you, which will not include any additional exemptions or
expenses you may be entitled to and may overstate your real tax liability. Once the tax is
assessed the IRS will start the collection process, which can include placing a levy on wages or
bank accounts or filing a federal tax lien against your property.
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Tax Statements and Documents You Need to
File --
Statements are on the way from employers, banks, stockbrokers and other
institutions and agencies that were involved in taxpayers' financial lives last
year. Each of these groups has, by law, until Jan. 31 (or the next business
day when that date falls on a holiday or a weekend) to get their annual tax
statements in the mail to you.

Many taxpayers now receive these documents electronically. So be sure to
double-check your email, not just the curbside mailbox, for these
statements.

Common income, deduction statements

Most taxpayers depend on the same basic data to file returns. If you work
for someone else, the Internal Revenue Service expects you, and the
agency, to get a statement detailing that income. The data are slightly
different, depending on whether you get paid a salary or do contract work,
but there's a form for either case.

W-2 -- This is the key form, and you need one from each employer you
worked for during the past year. Your W-2 shows how much money you
made, how much income tax was withheld, Social Security and Medicare
taxes paid, and any benefit contributions -- retirement plans, medical
accounts and child care reimbursement plans.

1098 -- For most homeowners, mortgage interest is tax-deductible, and this
document will tell you how much you paid last year. Your lender is required
to send you one of these forms if you paid at least $600 interest

. Actually, your mortgage company probably won't send you an official IRS
form, but a document of its own design that contains the same data. In
addition to the mortgage interest, other information often found on this
statement includes amounts paid toward points to get the loan and escrow
disbursements for real estate taxes (also deductible) and property
insurance (not deductible).
1098-E -- Are you paying back a student loan? The interest on your
educational debt is reported on this form; your lender must send you one if
the interest tally is at least $600. You may be able to deduct your student
loan interest and possibly other loan-related amounts, such as origination
fees and capitalized interest. To figure the deductible portion of the interest
amount found here, use the work sheet in your Form 1040 or Form 1040A
instructions.

1099-INT -- If you earned more than $10 in interest on a bank account or a
dismiss this statement if you reinvested the interest. Tax law says you
received the income even if you didn't actually have it in your hand, and
reinvested earnings are still taxable income. 1099-INT statements also are
issued to people who cashed in savings bonds.

1099-DIV -- Earnings from individual stocks and mutual funds are reported
on Form 1099-DIV. This will show dividends and capital gains distributed
over $10. As with reinvested interest, if you used the dividends or
distributions to buy additional shares of the stock or mutual fund, you still
have to pay taxes. However, the distributions and certain, qualified
dividends are taxed at the lower capital gains rates.

1099-B -- If you sold stocks, bonds or mutual funds, you will receive a
1099-B from your broker or mutual fund company. This will tell you the
number of shares sold, when they sold and the amount you got for the sale.
You'll need this information, along with the date you bought the shares and
the amount you paid for them, to figure your taxes. Beginning with 2011
statements, brokers will begin providing information on the basis (the cost
of an asset plus some adjustments) of sold stock.

1099-G -- Taxpayers who got a refund of state or local taxes last year will
get this form. If you used those taxes as a deduction on your previous
year's federal income tax return, you'll need to report the 1099-G amount
on this year's return. You don't have to worry about reporting this refund as
income, however, if you took the standard federal deduction instead of
itemizing.
1099-K – If you received payments via credit or debit cards or from third-
party payment processors, such as PayPal, Amazon and eBay, you might
receive a 1099-K reporting those amounts. There are triggers for
amounts ($20,000) and transactions ($200), so not every person who
receives such payments will get a 1099-K. This income, however, is
taxable and should be reported even without issuance of a 1099-K. The
new statement is an attempt to get more information on such payments
to the Internal Revenue Service.

1099-R -- If you received a pension or a distribution from an individual
retirement account or retirement plan, the 1099-R provides the details of
these transactions. The form is issued by your broker, pension plan
manager or mutual fund company. You'll also get a 1099-R if you rolled
over money in a retirement plan, usually a 401(k) to an IRA, or if you event,
but a pension payout may be.

1099-MISC -- Self-employed individuals who earned $600 or more should
get a 1099-MISC from the employer. You should get a separate 1099-MISC
for each independent job you had during the previous tax year.

Late-arriving forms

There are a couple of statements you might need for your tax records,
but because of the intricacies of the financial arrangements they cover,
the documents do not always arrive before the April filing deadline. But if
you get an extension to file, you shouldn't have any issues.

Form 5498 -- Any contributions made during the calendar year to any
individual retirement accounts are reported on this form. The 5498 shows
traditional IRA contributions that might be deductible on your tax return,
as well as any rollovers, including a direct rollover to a traditional IRA,
made during the last tax year. It also reports amounts recharacterized
from one type of IRA to another. It notes any amounts converted from a
traditional IRA, simplified employee pension or savings incentive match
plan for employees to a Roth IRA.

Form 5498-ESA -- Contributions to Coverdell education savings accounts,
formerly known as Education IRAs, previously were reported on Form
5498, but these plans now are tracked on this statement. The youngster
named as account beneficiary should get a copy of this document by April
30.

Schedule K-1 -- Finally, if you received money from an estate, trust,
partnership or S corporation last year, you should get a Schedule K-1.
However, because of the complexity of many of these arrangements,
account managers tend to send out K-1s later in the tax season --
sometimes not until after the April filing deadline.

Because you do need to know this amount of K-1 income to file your
return, taxpayers who get K-1s tend to file Form 4868, Application for
Automatic Extension of Time to File, to get six more months to get all their
tax statements in hand.
TAX BRACKET - TAX BRACKET - TAX BRACKET
When you file your federal income tax return before April this
year , you're filing your tax for the previous year. and the this
year tax braket  define the amount of tax you owe to the
government before credits and after-tax adjustments.


The first paycheck or consultancy fee you earn in 2013 falls under new rules,
however. The 2013 income tax brackets apply to money you earn during that year,
although you may not notice how this affects you until you file your income taxes
in early 2014. If you pay estimated taxes throughout the year, you may be more
aware of the change in brackets.



Now that Congress has passed a new law to avoid the fiscal cliff, the American
Taxpayer Relief Act of 2012 , we have a better picture of the marginal tax rates for
2013 ahead of the official announcement from the IRS.


Higher top marginal tax rate be effective.

Republicans wanted this number to be high, where the top tax rate would affect
only those taxpayers earning over $1,000,000, while President Obama was aiming
for the top tax rate to affect more taxpayers, including those earning over
$200,000 or $250,000.


The Congress settled on a compromise of $400,000 for taxpayers filing single as
the threshold for the top tax rate, which is very close to what the top tax bracket
would have been anyway, due to inflation.  TAX BRACKET / TAX
BRACKET / TAX BRACKET
TAX BRACKET - TAX BRACKET - TAX BRACKET

IRS Tax Brackets For This Year, Standard
Deduction Amounts And More...
Single Taxpayers:
Married Filing Jointly and Surviving Spouses:
Head Of Household:
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