Comments for Unsecured Debt Consolidation Loans

Comment on I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it. My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS. by Wayne Z

Wayne Z — Thu, 07 Jan 2010 00:28:47 +0000

OIC is het enige programma van de schuldregeling IRS heeft.

Het zou onrealistisch zijn om te denken dat IRS minder in uw geval zou goedkeuren.

Comment on Can you do debt consolidation even though the debts have already gone to collections? by Jennifer

Jennifer — Wed, 06 Jan 2010 18:55:21 +0000

Hallo,

Ja, kunt u nog.

Ik gebruikte " Krediet Solution" om mijn schuld te vereffenen en faillissement te vermijden. Zij slaagden erin om mijn schuld tot 58% te verminderen en mijn kredietscore te verbeteren. It' wettig s. Ik kwam over dit bedrijf op NBC- Nieuws Speciale Edition.Check het uit hier:

Nota: It' s raadzaam om de korte vorm in te vullen. Laat hen u achter roepen. De lijn is altijd bezige toe te schrijven aan zo vele klanten.

Comment on I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it. My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS. by Bostonian In MO

Bostonian In MO — Wed, 06 Jan 2010 14:29:22 +0000

Given the rudimentary facts that you have provided, the only thing that the IRS will accept in your case will be payment in full.

OICs are only considered in cases where payment in full using ALL of the taxpayer’s resources over a 5 year or longer period is mathematically impossible. You clearly do not appear to be in that position.

With a $10k refund, your debt will be reduced to $3,000 when the IRS offsets your debt with the refund. At $475 per month you should have it all paid off before the 4th of July holiday. (Contrary to what TRO seems to think, the IRS will automatically take your refund and apply it against your debt. It’s not a choice that you have. All tax debts are handled that way as is explained in the agreement that you signed when you entered into the payment agreement with the IRS.)

Comment on I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it. My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS. by tro

tro — Wed, 06 Jan 2010 05:46:47 +0000

als u denkt zult u een aardige terugbetaling dit jaar hebben, zou u hen kunnen laten dat nemen om op uw nalatige belastingen van toepassing te zijn en toen wanneer u een ander verminderd cijfer hebt, kunt u om een voorschotovereenkomst vragen die u aan opstelling zal kosten
u kunt maandelijks op dit betalen maar als u één keer in gebreke blijft, is het volledige bedrag zo vlug mogelijk gepast

Comment on Can I settle my tax debt through some sort of program? by Wayne Z

Wayne Z — Tue, 05 Jan 2010 17:18:51 +0000

The OIC is the only debt settlement program the IRS has.

It would be unrealistic to think that the IRS would accept less in your case.

Comment on I owe the IRS about $13000. I have been paying on it for quite some time. The original debt was much larger. I bought a house this year, so my expected tax rebate is about $10000. I would like to try to settle my remaining down to this amount. I have thought about penalty abatement, but I’m not sure that I have reasonable cause. I have thought about OIC, but I would have the debt paid off in the time it takes to process an OIC request. (I pay $475 per month). Any other thoughts? I’ve read little bits about an IRS debt settlement program that is different from an OIC, but I cannot seem to find any detailed information about it. My wife and I are having a baby in May. I don’t know if that helps provide some sort of leverage or justification for settlement with the IRS. by Common Sense

Common Sense — Mon, 04 Jan 2010 07:37:52 +0000

The oic is the oic is the oic is the kid but its irrelevant to this discussion.

Comment on Can you do debt consolidation even though the debts have already gone to collections? by Kaitlynn

Kaitlynn — Mon, 04 Jan 2010 01:06:05 +0000

I would visit They have a lot of good information on debt consolidation and can suggest a good company and alternatives.

Comment on Can you do debt consolidation even though the debts have already gone to collections? by howard

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Comment on Can I settle my tax debt through some sort of program? by Bostonian In MO

Bostonian In MO — Sun, 03 Jan 2010 04:38:15 +0000

Gezien de rudimentaire feiten die u hebt verstrekt, zal het enige ding dat IRS in uw geval zal goedkeuren betaling geheel zijn.

OICs wordt slechts overwogen in gevallen waarbij betaling geheel gebruikend Alle taxpayer' s de middelen over een 5 jaar of een langere periode is mathematisch onmogelijk. U schijnt niet duidelijk om in die positie te zijn.

Met een $10k terugbetaling, zal uw schuld tot $3.000 worden verminderd wanneer IRS uw schuld met de terugbetaling compenseert. Bij $475 per maand zou u het allen moeten hebben betaald v

Comment on Can I settle my tax debt through some sort of program? by tro

tro — Fri, 01 Jan 2010 23:24:43 +0000

if you think you will have a nice refund this year, you might let them take that to apply to your delinquent taxes and then when you have another reduced figure, you can ask for an installment agreement which will cost you to set up
you can pay monthly on this but if you default one time, the entire amount is due asap