Breaking the Chains of Debt, Forever!
The opinions expressed herein are my personal opinions and in no way represent the US Military.

July 26, 2007

The IRS Has a Softer Side…Really

Filed under: Debt — Joel @ 9:50 pm

Since January 2006 I have been calling the IRS and going to their offices trying to get an agreed to payment plan for payroll taxes and federal unemployment taxes that I was not able to pay while The Lazy Susan was open. With interest and fees these had soared to around $28,000 most recently.

Each time I talked to someone on the phone they told me they were unable to assist me due to the amount owed being over their limit. They told me I would either have to go see an agent in an office or just wait for them to contact me. So I went to an office trying to meet with an agent. The clerk looked up my account and then told me because of the amount, no agent would be able to assist me; I would have to wait for one to contact me. The lady went on to tell me that I could file an application for a payment plan and could send payments in the interim.

I took the application and completed it and gathered all the attachments they were requesting. The total packet was close to fifty pages. I also began sending $400 per month. During the past year we were contacted twice by letter requesting updates on our banking records and saying they needed more time to make a decision. I was almost to the point I didn’t think they were ever going to make a decision. That all changed when Amy returned home from her parents last week. On the door was a notice from the IRS telling her to call; in the mailbox was a certified letter saying if we didn’t pay $28,000 or agree to a payment plan within 30 days they would be taking our car and bank accounts.

After playing phone tag for several days, Amy finally set up a meeting with the agent for yesterday at 1:30. I told her to ask them if they could work with me by email or even if they could call my DSN line here in Afghanistan. I told her if they wouldn’t deal with me to do whatever she could to get a payment plan, even if it was much more than what we propose; we would just have to cut what we were paying someone else to get them out of our life. Amy was very optimistic about this meeting and told me that we were going to have the IRS gone after the meeting. She told me to pray about it (and a bunch of other people as well).

During the meeting, and some prior to it, Amy was able to bring up the fact that I’m deployed, we sold the house and everything else we could think of, we only had one old car, had two kids, Amy was in the Army, we didn’t file bankruptcy, and we were working hard to pay everything back. The IRS agent was immediately sympathetic to our situation, although he said regulations did not permit him to negotiate over email with me. He started off by telling Amy he only had authority to collect $12,600 of what he called trust fund debt. He then tells her that we would be able to drop off the radar screen altogether if we can get the trust fund debt down to less than $10,000.

He then tells her that he wants to wait about three weeks to meet again hinting that the purpose is so they can drag it out to give us time to come up with the $2,600. Excited, Amy leaves the office realizing that she has just had the $28,000 turn into $2,600. She then calls one of her friends to tell them the news, the same friend that had prayed with her just before going into the meeting. After hanging up she receives a call back from the IRS.

This time the agent says he has talked to his boss who is a veteran (he wanted to point that out) and they have decided to declare that Maxwell Enterprises, Inc. (the S Corporation I set up for The Lazy Susan) is defunct and that neither her or I will be held personally responsible for its debt. That means our $28,000 debt is now gone.

Even before the meeting I was telling Amy about how it would be impossible to have the IRS forgive that debt. Her response to me was that Jesus has paid a greater debt than this. I told her I know, but I have never heard of the IRS forgiving anything. Dave talks about how he paid the IRS payments for over seven years. Others that have a great deal of experience with the IRS have never heard of IRS debt being forgiven. Wow, God really is bigger than the IRS! I think I really needed to know that today!

July 23, 2007

Debt Free Revolution

Filed under: Debt — Joel @ 10:54 pm

I recently discovered a blog of another person on their debt free journey; her blog is the debt free revolution. Ana is an Army wife, Iraq War veteran, and a self proclaimed “Pizza Delivery Expert.” That is the entire resume you need to get a promo here!

She lives in Tennessee and is one of the attendees in the filming Dave has for the new Financial Peace University. I can’t wait for the new videos and the opportunity to get back home and teach another class. Check her site out and be sure to tell her I sent you!

July 21, 2007

Fun With Google News

Filed under: Politics — Joel @ 11:31 pm

Since Amy has made me tech savvy, I have set up several different Google News searches to keep up with events; and then I subscribe to the search which allows me to read the latest news in my feed reader. I have a search set up for Afghanistan, one set up for joelmaxwell.com, and one for Roy Blunt.

Today when I clicked on Roy Blunt there were two stories; the first was Mr. Blunt complaining about the democrats spending too much in a House Bill. The second was about a pure pork earmark that Blunt pushed through for $1,000,000 for the MARET center at Crowder College in Neosho. I am sure that this MARET center is a good thing; however, what I don’t like is someone spending my money without asking me for it. Most colleges and universities have fund raisers for building projects where people choose to give. Here, our congressman who speaks out against spending decided for us that we needed to donate a million bucks.

Earlier this week Mr. Blunt gave a speech about how the Republican party could win back the majority; I don’t recall being hypocritical on spending as one of his points.

July 19, 2007

We Beat Debt!

Filed under: Debt — Joel @ 8:00 pm

We Beat Debt is a site dedicated to real life stories of those who have turned their debt struggles into success! What an awesome idea and a great web site! One of their early features is a story about me; you can read it here. I could not have written a better story to describe our experience. Thanks Jules!

July 18, 2007

Sharona

Filed under: Mil Blog — Joel @ 8:48 pm

I made a trip to FOB Sharona today. Like most FOB’s here in Afghanistan, the pace is a little slower and much more relaxed. It is always a nice break to be away from the hustle and bustle of Bagram. Here are some photos I took on the way:

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This picture is from above Kabul near the international airport.

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This picture is looking east into the Tora Bora region of the White Mountains. The terrain is similar for about fifteen miles north and south, and seventy miles east and west, extending into Pakistan.

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