Posts Tagged ‘paying taxes’

Tax Avoidance and Tax Evasion…What’s the Difference?

Thursday, November 24th, 2011

Depending on who you ask, some people may say that tax avoidance is either “smart business” or it’s “immoral”. But, if done correctly, there’s one thing it’s not…It’s not illegal. There are numerous ways that a person can decrease his or her tax liability legally: 1. Claiming deductions 2. Incorporating. 3. Setting up a charitable trust or foundation.

 More complicated and controversial methods include setting up an offshore company, trust or foundation in an offshore jurisdiction. Tax evasion, on the other hand, is the willful act of misrepresenting financial information to avoid the tax liability. Common forms of tax evasion are understating income, wages or gains on the sale of property and/or overstating tax deductions.

 What’s the Difference? To keep it simple – think of it this way: Tax avoidance is the maneuvering to avoid the tax liability in the first place. The tax does not exist, because in a legal sense, no income, profit or gain ever existed. Tax evasion is maneuvering to avoid the payment of a tax liability that has already been created. The tax exists because the income, profit or gain already exists. To avoid paying the tax is a criminal act.

 Why Would the Government Allow Tax Avoidance? Obviously, no government could function if all its citizens legally avoided paying taxes. While there are legal means of tax avoidance that every citizen has a right to put into practice, there are also “abusive tax avoidance strategies” that the IRS warns against openly. These include: a. Anti-Tax Law Schemes b. Abusive Home-Based Business Schemes c. Abusive Trust Schemes d. Misuse of the Disabled Access Credit e. Abusive Offshore Schemes f. Employee Plans Abusive Tax Transactions g. Exempt Organization Abusive Tax Avoidance Transactions.

 The IRS tows a hard line with the promotion of Illegal Tax Schemes posing as Legal Tax Avoidance Strategies.

Tax Avoidance has always had its share of hucksters and scam artists who appeal to the “greed mechanism” present in some taxpayers, by selling “get out of paying tax legally” kits and seminars.

 If Your Name is On a List of a Tax Shelter Promoter—The IRS is Watching You. In a recent effort to cut down on abusive tax avoidance scheme, the Department of Justice is now requiring promoters of tax shelters to make their list of clients available to the IRS. If called upon, these promoters must give names as well as details of the transactions. For abusive tax schemes, this provision has proven to be an effective means for the IRS catching not only the promoter…but also the clients.

 Do What’s Right…But Get Legal Help If You’re Unsure. If you’ve participated in a tax avoidance strategy and you find yourself questioning if it was legal, don’t wait to find out “the hard way”.  Remember, even if you’ve been involved in an illegal tax avoidance scheme, you can still make restitution for your actions without it ending up in a jail sentence. But there’s no question that you’ll need competent legal help in this situation.

Here’s The IRS Damage You Can’t See…Yet

Friday, November 11th, 2011

Are you worried about your IRS problem? Losing sleep? Join the club. I hear that a lot. People will sit up at night and let their IRS problems eat away at them, night after night…causing them to lose sleep.

 Is Your IRS Problem Worth Sacrificing Your Health…Or Your Life? Stress can be a killer, literally. Stress can lead to heart attack, hypertension, stroke, cancer, diabetes, depression, obesity, eating disorders, substance abuse, ulcers, irritable bowel syndrome, memory loss, autoimmune diseases (e.g. lupus), insomnia, thyroid problems, and even infertility.

 Procrastinating and hoping that your IRS problems will just go away  is causing you a boatload of stress…But chances are that you may not have considered what that stress is doing to your body on a long-term basis.

 The Effects On Your Marriage. Numerous studies have shown that money problems are the #1 source of arguments in marriage. Money problems caused by credit debt, loss of a job, unforeseen expenses – you name it…all can be stressful on a marriage. But if you toss IRS problem into the mix, you may have a recipe for disaster.

 The IRS has more far-reaching power than any collection agency could. So if money problems cause arguments, IRS problems can cause absolute fallout. Divorce follows as a result, it introduces another whole host of problems emotionally and financially.

You Have One Chance at Life (as far as I know…) Don’t Waste Another Minute Worrying About the IRS. The average life expectancy of an American male is 73 years. If you live this long, and you spend 5 years worrying about the IRS – that means a full 6% of your lifetime was spent in the shadow of an IRS problem.

 That’s too long. Plus, considering the fact that stress and sleep deprivation could actually shorten your lifespan…that 6% number could be greater. If you die at 60 and you spent 5 years worrying about the IRS, that’s over 8% of your lifetime. Don’t you have better things to think about? Of course you do. Although you may have forgotten them in a sea of worry…at one time you had dreams & goals – things you wanted to do in this life before you die.

IRS No Longer Limits the Innocence of a Spouse

Friday, November 4th, 2011

The IRS is making some common sense reforms to some of its arbitrary rules by instituting new guidelines in connection with “innocent spouse relief requests”.

 An innocent spouse is classified as a person that had no knowledge that his or her spouse was defrauding the IRS by underpaying their taxes.

 Until this change in regulation, there was a two year limit that was applied to any innocent spouse attempting to file a relief request. The change applies to all future requests and will retroactively be applied to previously denied claims.

 The IRS change only applies to the equitable relief provision. This provision absolves the innocent spouse of any liability in paying past due taxes and relieves them of any interest or penalties associated with the unpaid taxes. Innocent spouses must prove that at the time of signing the joint tax return, they had no knowledge of any wrongdoing on behalf of the guilty spouse.

 If a request is approved, the IRS allows the innocent spouse to pay the taxes that they are responsible for, but relieves them of any penalties and fines associated with the misfiling of the taxes.

 The intent of the law was that an innocent spouse would have two years to file a request for relief. However, this law did not take into account spouses that were victims of domestic violence and abuse.

 Many members of congress have been lobbying for a change in the regulation for some time now. The IRS receives 50,000 requests annually for innocent spouse relief. Of those 50,000, 4%, or 2,000, requests are rejected because they are outside the 2 year limit.

 This change in policy will now help 2,000 innocent spouses avoid the penalties and fines for something that they were never aware was happening.

 All future requests will be processed without looking at a term limit. However, if you have had a previous request denied due to the 2 year limit, you must file an IRS Form 8857 “Request for innocent spouse relief”. The IRS will not apply the two year limit in any active litigation.

Is it possible to pay the IRS “pennies on the dollar” and have the rest of your tax bill forgiven?

Thursday, October 27th, 2011

Yes-it is possible…..but it’s not very likely. 

It’s called an Offer-In-Compromise- and it used to be the only legitimate way to negotiate an actual lowering of the amount of taxes owed to the IRS by a taxpayer…sometimes far less.

However, since the IRS has seen so much “abuse” of this particular method of tax relief in recent years, they have shown by their actions that they are less and less apt to accept an Offer-In-Compromise.

Do You Know What You’re Paying in Penalties?

Thursday, October 20th, 2011

Penalties and interest are adding up by the day if you haven’t paid the IRS what you owe them.  And they’re adding up big-time if you haven’t filed at all.

Did You File and Not Pay?

If you did, there’s interest being compounded daily on what you owe, which is the quarterly federal short-term tax rate, plus 3%.  As of this writing, the IRS is charging 8% per year.

In addition to interest, you’re also being charged a Failure-to-Pay Penalty, which is .5% of the tax owed for each month.  There is no maximum for the failure-to-pay penalty.  If you’re sent a number of notices from the IRS and you still don’t pay, the penalty increases to 1%.

What You Should Do If You Filed and Didn’t Pay?

The most obvious answer is to pay the debt.…it’s better to owe anyone other than the IRS.  Why?  Because the IRS has more power to collect in ‘mean and nasty’ ways than any collection agency you’ll ever deal with. 

So what if you just can’t come up with the money? If you just don’t have the money, and you cannot get it, there are legal ways to negotiate with the IRS: Be declared Non-Collectible Status.

Have the debt reduced through an Offer-In-Compromise. Set up a monthly installment agreement plan.  Set up a partial installment agreement (where you pay less than the total owed).  Declare Bankruptcy.

Did You Not File at All?

If you didn’t file taxes this past year (or any other year for that matter), you have bigger problems. You still have the interest that’s being compounded daily on what you owe – the quarterly federal short-term tax rate, plus 3%.

But the penalty gets really harsh for non-filers –You pay the .5% late payment penalty plus a 4.5% late filing penalty, for a combined penalty of 5% for the first month your  return is late.

However, it gets worse: Every month that you don’t file – your penalties double…until 5 months when it caps at 47.5% (22.5% late filing penalty + 25% late payment penalty). 47.5%…Ouch. That’s double what even some of the worst credit cards would charge.

Is There Really a Way to Pay the IRS Less Than You Owe?

Monday, September 12th, 2011

There’s a legal tax relief method that just might allow you to pay the IRS less than the total tax that you owe them…I thought that might get your attention. Of course, as with any ‘program’ offered by the government, it comes with strings attached (imagine that…). Let me fill you in on the pros and cons of a program called…

The IRS Partial Payment Installment Agreement…“Is It Really a Way to Pay  Less Than You Owe?” The program was created as another way for taxpayers to pay their tax debts using installment payments – but with the possibility that the once the payment plan was completed, any outstanding debts that remained that haven’t been paid would be erased. Up until the time this program was created, the only way a taxpayer could have any part of their tax debt wiped clean without it being paid was to reach an Offer-In-Compromise Agreement (OIC) with the IRS.  The Partial Payment Agreement may be a promising option for eliminating tax debt without being forced to pay the entire amount due.

So What’s the Catch? As you can imagine, it’s not as easy as telling the IRS you can only afford to pay $10 a month for a year and that’s it.  Not so fast. In fact, the downside to a Partial Payment Agreement is that the payment plan could last up to 10 years. So, if you owe, say, $25,000 after you consider your tax plus fees and interest. To pay this off in 10 years would be $208/month.

However, if you can prove that you can’t afford a payment of $208 per month, and say you can only pay $125, after 10 years you would have paid $15,000. If the IRS agrees to the $125/month payment, at the end of the 10 years, the balance of what you owe – $10,000 – could be forgiven.

Hold on – there’s a caveat…the IRS reserves the right to review your finances. If they determine at a later time that you can afford more than $125, they will reassess your ability to pay…If your financial situation has improved somewhat, they may demand you pay more than the $125 per month installment payment.

However, if they find that your financial situation has improved significantly, there’s a chance that they could terminate the agreement altogether.

Accountant…Attorney…or IRS Specialist?

Monday, August 1st, 2011

Let me ask you a question. If you had cancer, who would you want to see first?

a) Nobody. I’ll go it alone.

b) a Nurse

c) a Doctor

d) an Oncologist—

An Oncologist, right? Why? Because an Oncologist is a physician that specializes in the treatment of cancer.

Along that same line of thinking, let me ask you this. If you had a problem with the IRS, would you want to see:

a) Nobody. I’ll go it alone.

b) an Accountant

c) an Attorney

d) an Attorney who focuses solely on in solving IRS problems.

I think you can see the point I’m trying to make.

Going It Alone With Cancer…or the IRS By Yourself. If you had a serious sickness like cancer, you would realize that your time might be limited. You don’t have an idea how long it will be before the sickness takes over your body – possibly making treatment futile. Would you go it alone?

If you knew you had a deadly illness, would you take the chance that you’ll somehow get better all on your own? I doubt it. So why would you go it alone with the IRS? Don’t believe for a second that reading a couple books, a website, or a couple emails about “how to deal with the IRS” will prepare you to deal with the IRS if you owe them money.

These are people who make a career out of extracting money from people who owe taxes. They deal with it every day. They’re good at it. This is something you deal with once in a lifetime (hopefully). Face it – you’re not good at it.

These people are trained to act like your friend and make you comfortable…and then use it to get you to say something you’ll regret. You wouldn’t “go it alone” with a deadly disease – don’t go it alone with the IRS. An attorney who focuses on IRS problems is specifically trained to thoroughly research any previous tax ruling and use it to his client’s favor in a case against the IRS.

If there’s a loophole to be found in a previous tax ruling or many of the published IRS papers, a good attorney can use it to their client’s advantage and make the IRS work hard for their money.

Can the IRS take your money?

Monday, July 18th, 2011

 

Question:  Can the IRS Take Your Money If You Don’t Give It to Them Voluntarily?

Answer: True. If you’ve been notified by the IRS either over the phone or by mail that you owe them, that’s all the warning you get.

If after contact, you don’t pay them completely and voluntarily – they have the right to take every penny that you owe from them…one way or another. They don’t have to take you to court or sue you to get their money. If they’ve sent the collection notices and you’ve refused to pay or haven’t paid in full – that’s all they need to do.

That’s when it can get ugly:

-They can dip straight into your bank account and take your money

-They can garnish your wages or salary

-They can take your social security, 401(k) or IRA’s

-They can take any money owed to you – like accounts receivable or sales commissions.

If you are a business that owes payroll taxes, even declaring bankruptcy will not eliminate your requirement to pay the payroll tax.

However, if you’re unable to pay the taxes due, there may be some other payment options that will enable you to keep from having your assets seized, a lien put on your property or criminal charges being brought against you.

Good News About Installment Payments

Monday, July 11th, 2011

Good To Know:…The Good News About Installment Payments and the Statute of Limitations.

When it comes to installment payments, it used to be that the IRS wouldn’t agree to the arrangement if the taxpayer’s debt would not get paid off before the statute ran out.

But thanks to Congress, this is no longer the case.

Code section 6159(a) now makes it to where the IRS must take into consideration your entire financial situation before deciding on an installment agreement.

 

One Way to Get Out of IRS Debt…

Monday, June 20th, 2011

There are 6 ways to get out of debt with the IRS, and all of them, to a certain extent, may require legal help.

First, let’s discuss the most obvious way to get out of IRS Debt…

Pay the bill.

Now, before you think I’m just being simplistic, this really is an option that should be discussed. Before we get into the five other options (which I’ll discuss in detail in future), it’s important that we ask the simple question…

Is there any way that you could just pay the bill and get on with your life?” Before you immediately say “no”, read on.

Why Owing Credit Card Debt is Better Than Owing the IRS.

Don’t get me wrong – I’m not a fan of credit cards by any stretch of the imagination.

America’s credit card debt is staggering – $800 Billion in 2005, according to an analysis of Federal Reserve Board data by Demos, a national research and consumer advocacy group.

Some credit cards charge interest rates of 20% or more, and it’s “revolving door” credit…so if you only pay the minimum payment due, it often takes years, even decades to pay off the debt.

Plus, I don’t know your financial situation personally, but I would venture a guess that if you have problems paying the IRS…that you may have credit card debt problems as well.

So I certainly don’t mean to throw “fuel on the fire” of a debt problem by making the following suggestion, but I’ll throw it out there as an option and only you’ll know if it is a legitimate option for you…

Did you know that the IRS accepts Visa, Mastercard & American Express?

With credit cards, according to the IRS website “you can pay current and past due Form 1040 balances along with current year Form 940 balances and current quarter plus the three prior quarters Form 941 balances.”

What If I Don’t Have Enough Credit?  Now, if you’re reading this and you know darn well that you don’t have enough credit to pay off your IRS debt – then we need to consider your other options