#and this is the reason why i garnish my own wages into a savings account bc goddamn!

[queen-mabs-revenge]

really about to spend the bones of €300 on my cat at the vet next week. routine care stuff but hahaha

[leam1983]

It’s the end of the work week and, well...

I’m having thoughts on labor culture.

My father was born in 1958. He lived as the son of an absent father of five children who had no ability to truthfully express his love and care, and who instead chose to bury himself in work as a means to display his commitment. My paternal grandfather made and sold mattressees and died quite young of a cancer strain that today would’ve seemed benign. He was described as a hard worker, either up to his neck in his business or wanting just a scant few hours per day to himself. It made an aloof lover out of him and a distant father - who still loved his wife and children to bits but who felt emotionally castrated in a sense, as were men of the era.

The family consensus is that his work killed him.

My father is now 65 and survived a bout of Non-Hodgkinian Lymphoma. The oncologist and anyone with half a brain agreed that stress was the culprit. Early on, Dad had the family as an excuse for his tendency to overwork. He had to provide for us, after all, and garnish my mother’s meagre savings. All she has is her government-issued pension plan, while my father does have his own pension as a retiree of the City of Montreal’s Real-Estate Appraisal service. Considering, he felt obligated to pull a heavier load to bring in more, so they’d have better investment opportunities. Later on, he kept working out of a sense of fealty and attachment to his division, breaking out of retirement during the pandemic to join the work-from-home team. He wanted to help techs and city officials find ways to bring more of the traditionally snail-mail-based parts of the system online so the city’s Land Management service wouldn’t be paralyzed by COVID-19. What was supposed to be a single month turned into four, which turned into twelve.

By the end, they were begging him to stay on the team and to pull longer hours. We’re talking twenty hours per day, in some particularly grueling stretches. That means being logged in by breakfast and scarfing bagels down with Urban Design techs on Zoom instead of your own family, or having supper with your boss because she needs a play-by-play of the situation to stave off her executive anxiety.

Long story short, I didn’t see Dad much during the first wave. His reasoning was that he’d eventually stop, pool all this cash, and chuck it into his and Mom’s Registered Retirement Savings Account - with maybe an extra two thou or so in case the country reopened enough for their postponed trip to Cuba to take place.

Guess what? His zona flared up and he ended up with odd, shingly bumps along his scalp which to this day the local dermatologist grimaces at and tentatively has us dab with cortisone cream.

Mom, though? She’s a retired and registered nurse with a self-negating streak and a chronic propensity to undervalue her own physical ailments. Someone who quite literally understands the pain of busted hips on a clinical level because she was trained in Gerontology - and also someone who refuses to schedule an appointment with her GP and who inexplicably self-medicates with white wine.

As for me, I’m a 37 year-old man with a paycheck I consider massive with its meagre six bucks above the minimum-wage threshold - someone who chose to shack in with his folks until the current crisis ends and who therefore has a history of a single, willingly terminated apartment lease that originally began in the Planned Housing market. The apartment I want is basically a Barbie doll house for adults, a gleaming fantasy I’ll never have enough capital to touch unless I feel like trying my hand with criminal applications of my skills. The apartment I can get right now is a shithole, and I have the audacity to think I deserve a shithole that at least wasn’t someone’s former cockroach den.

Now here’s the kicker: I value my sanity and my health. I know my mental stamina levels and I know from experience that after working seven-point-five hours per day with the occasionally shorter Friday, I’ve found my limit. I could invest more if I worked more, yes, and I’m already in a better position than my parents, retirement-wise. I’ll never be rich, but I’m already set to be comfortable, provided I don’t spend my golden years trying to make it as an unsponsored TechTuber or anything else that’s equally ludicrous.

Where that’s a problem is in the toxicity this is generating. See, I have the gall to slide my daily schedule later so I can start at an hour that fits my biological clock and ends at an hour where I’m at my most creative. That means the folks saw me spending my pandemic mornings on Animal Crossing while Dad was trying to wrangle Excel spreadsheets for non-tech-savvy fellow Boomers while preventing the dog from eating his meeting notes. That means they guzzled vinho verde like it was Kool-Aid after seven while I made sure to find more concrete means to distance myself from work - ideally ones that didn’t involve functional alcoholism.

Naturally, what was bound to happen, happened: Dad soon spent his evenings calling me shiftless or “unwilling to commit”, while I was stuck watching him miss all the cues his stressed-out body were sending him. We already had Trump’s last desperate months and a global plague to handle, I really didn’t want my work to turn into more of a nuisance than it already is. I already love the people I work for and hate what I do (repeating the family cycle, it seems), but I’ve at least decided to give myself ample Me time every single day. 

I’ve paired that with smaller, if consistent portfolio investments, along with a few new habits I wanted to get into to stay saner. Dad pulls crosswords or plays competitive chess in the wee hours, while I usually lay down to meditate around midnight and fall asleep by 1 AM at the latest. I’m half-expecting my father to pull a Tyler Durden and to sneer at me, at some point. “Self-care is masturbation,” he’d probably say.

Looking at classifieds for rentals, it’s obvious that the entire system is predicated on abuse. Work yourself down to the therapist’s office, right down to the fucking bone, and you just might earn a half-decent retirement because nobody’s taught you to invest incrementally. Nope, Society seems to say, you’re supposed to buy, buy and buy some more, until you realize you have ten years left to start from scratch!

I remember Dad’s face on my eighteenth birthday. “Why would you want a Disability Care Savings Account, Brain? You just turned into a legal adult by Canadian standards - you’re in no rush, right?”

I told him the real gift I wanted for my birthday, that day, was a ride to the family’s Financial Investments counsel. I pulled up the PDFs I’d printed out and filled and brought them over. From then on, if I dropped a penny in my nest-egg, Ottawa would drop another one. If my share grew, so did the government’s. In the twenty-odd years since, it’s expanded exponentially.

Dad thought I’d done this to have a big cushion by the time I’d retire. Mom thought I’d done this in case my disability worsened and I started requiring equipment or physical assistance. Honestly, my dumb, if slightly prescient eighteen year-old self figured I’d rather spend my time reading or playing video games than working. I knew I’d need something to help cushion my admittedly low career-related ambitions. I might throw several thousands at a new computer every seven to eight years, but that’s because I’ve saved them up for just as long, little by little. I have no vices beyond what sillicon offers and what you’d find in the pages of a book and don’t exactly need a big ‘ol, stonkin’ humidor stuffed with conoisseur stogies.

I have a shoebox with a poked-out Ziploc bag and a sponge, with a handful of joints and a few Santa Anas I got off of a buyer’s pool from work. Five of us occasional chair-bar goons pooled cash together on Cigar Chief and cushioned prices with a single, shared and massive order. I’m nowhere near rich, but assuming the housing market can catch its breath eventually, I’ll be able to live modestly - with one or two markers of occasional luxury I’ll have chosen.

I have a shittier job than my father has had and I’ve chosen to be happier than him. It’s just sad that the usual response elevates overwork as the supposedly one, true way to leave a mark in society.

No, Dad. I don’t want to die while my own cells eat me alive, I want to die blazed out of my fucking mind, happy because I’ll have had time to enjoy my friends’ company and to finally make some sense out of Kerouac’s Subterraneans or to figure out what the fuck is going on in Joyce’s Illiad. I’ll die crusty as shit and fulfilled as a Pop Culture jockey, because I’ll have either finished Persona 5: Golden in my lifetime or I’ll have watched the entirety of the MCU’s output before Disney finally manages to kill their golden goose.

I want to die decades from now, feeling like I at least owned my choices and didn’t spend my time tethered to someone else’s professional expectations of me.

[bountyofbeads]

The ‘follow-up appointment’

https://wapo.st/2z4uWXR

The ‘follow-up appointment’

'For many people in medical debt, it leads to a courtroom' (THIS SHOULDN'T BE HAPPENING IN AMERICA)

By Eli Saslow | Published August 17 at 5:41 PM ET | Washington Post | Posted August 18, 2019 9:18 AM ET |

POPLAR BLUFF, Mo. — The people being sued arrived at the courthouse carrying their hospital bills, and they followed signs upstairs to a small courtroom labeled “Debt and Collections.” A 68-year-old wheeled her portable oxygen tank toward the first row. A nurse’s aide came in wearing scrubs after working a night shift. A teenager with an injured leg stood near the back wall and leaned against crutches.

By 9 a.m., more than two-dozen people were crowded into the room for what has become the busiest legal docket in rural Butler County.

“Lots of medical cases again today,” the judge said, and then he called court into session for another weekly fight between a hospital and its patients, which neither side appears to be winning.

So far this year, Poplar Bluff Regional Medical Center has filed more than 1,100 lawsuits for unpaid bills in a rural corner of Southeast Missouri, where emergency medical care has become a standoff between hospitals and patients who are both going broke. Unpaid medical bills are the leading cause of personal debt and bankruptcy in the United States according to credit reports, and what’s happening in rural areas such as Butler County is a main reason why. Patients who visit rural emergency rooms in record numbers are defaulting on their bills at higher rates than ever before. Meanwhile, many of the nation’s 2,000 rural hospitals have begun to buckle under bad debt, with more than 100 closing in the past decade and hundreds more on the brink of insolvency as they fight to squeeze whatever money they’re owed from patients who don’t have it.

The result each week in Poplar Bluff, a town of 17,000, has become so routine that some people here derisively refer to it as the “follow-up appointment” — 19 lawsuits for unpaid hospital bills scheduled on this particular Wednesday, 34 more the following week, 22 the week after that. Case after case, a hospital that helps sustain its rural community is now also collecting payments that are bankrupting hundreds of its residents.

“Think of me as the referee,” the judge explained, as he called the first case. “It’s my job to be fair. I’m not going to be chugging for either side.”

On one side of the courtroom was a young lawyer representing the hospital, and he carried 19 case files that totaled more than $55,000 in money owed to Poplar Bluff Regional. Three nearby hospitals in Southeast Missouri had already closed for financial reasons in the past few years, leaving Poplar Bluff Regional as the last full-service hospital to care for five rural counties, treating more than 50,000 patients each year. It never turned away patients who needed emergency care, regardless of their ability to pay, and some people without insurance were offered free or discounted treatment. In the past few years, the hospitals’ total cost of uncompensated care had risen from about $60 million to $84 million. Its ownership company Community Health Systems, a struggling conglomerate of more than 100 rural and suburban hospitals, had begun selling off facilities as its stock price tanked from $50 per share in 2015 to less than $3 as the lawyer approached the judge to discuss the first case.

“We’re seeking fair payment for services we’ve provided. Nothing else,” he said.

Behind him in the courtroom were some of Poplar Bluff Regional’s patients — a population that was on average sicker, older, poorer and underinsured compared with the rest of the United States. More than 35 percent of people in Butler County have unpaid medical debt on their credit report, about double the national rate. Most of the 19 people on the morning docket had been treated in the emergency room and then failed to pay their bill for more than 60 days before receiving a summons to court. Many of them had insurance but still owed their co-pay or deductibles, which have tripled on average in the past decade across the United States. One patient owed more than $12,000 after being treated for a heart attack. Another was being sued for $286. If the hospital won a judgment, it had the right to garnish money from a patient’s paycheck or bank account or it could put a lien against a house.

“I’m hoping to negotiate a payment plan, but I can only afford $20 a month,” one patient told the court.

“I’m late for work, so if there’s someplace I can sign, I guess I’ll just sign,” said another patient, who owed more than $3,000 after spending six hours in the emergency room for chest pain.

“How am I supposed to pay $4,000 to see a doctor if I’m barely making $2,000 a month?” asked another.

One by one the patients came up to plead their cases until the judge called Gail Dudley, 31, who was sitting with her mother in the third row. She had gone to the emergency room at Poplar Bluff Regional in 2017 after passing out because of complications from Type 1 diabetes. The hospital had given her medication to stabilize her blood sugar, kept her overnight for observation, and then sent her home with a bill for $8,342, of which she was still responsible for about $3,000 after insurance. She’d tried to appease the hospital’s billing department by sending in an occasional check for $50, but with accumulating interest and penalty fees, the balance on her account had remained essentially the same for two years.

“I’m grateful for what they did for me, and I know I owe it, but I don’t have that kind of money,” she said.

The judge gestured in the direction of the hospital’s attorney and then looked at Dudley. “Would you like a chance to talk to this gentleman for a moment and see if you two can work something out?”

“Okay,” she said. “We might as well try.”

Matthew McCormick, 27, led Dudley into the hallway to begin the same negotiation he’d been having with dozens of hospital patients each week. On Thursdays he was listed as a hospital attorney for the court docket in Doniphan, population 1,997. Mondays it was Kirksville, Tuesdays were Bloomfield, and Wednesdays often brought him here, to a 95-year-old courthouse in Butler County, where he’d represented Poplar Bluff Regional on more than 450 billing cases so far in 2019.

“We’d like to find a way to work with you on this,” he told Dudley as they sat down together in the courtroom lobby. He reached out to shake her hand. He smiled and offered his business card. For the past year, he’d been working on behalf of the hospital as the newest attorney for a law firm called Faber and Brand, which promised to “use the judicial system to recover money owed.” McCormick’s cases hardly ever went to trial. More than 90 percent of the people being sued weren’t represented by an attorney and at least half failed to show up in court, resulting in default judgments in the hospital’s favor. The rest of the patients McCormick met came into court with little to offer in their own defense except for apologies and stories of poverty, poor health, unemployment and bad luck.

“I’m real sorry about this,” Dudley said. “If I’d been thinking straight, I would never have let them take me to the emergency room. I know I can’t afford that. I wish I could pay you all of it right now.”

“Let’s make this as easy as we can,” he told her. “Is there something you can pay? A little each month?”

“I don’t have anything extra,” she said, thinking about the paycheck she earned for a full-time job as a clerk at Goodwill, which totaled $736 every two weeks. After paying for rent and utilities on a subsidized three-bedroom apartment, groceries, and child care for her 6-year-old son and 3-year-old daughter, she sometimes ran out of money by the end of the month.

“How about $15 out of every paycheck?” she offered, even though she doubted she could afford it. When McCormick didn’t immediately respond, she revised her offer. “Thirty? How’s that?”

“Let’s say thirty,” McCormick said.

He had more patients waiting to negotiate, so he thanked Dudley and led her back into the courtroom to sign her judgment. It said she had agreed to a total claim of $3,021, plus $115 in court costs and 9 percent annual interest. She would send the hospital $60 each month until the balance was paid in full, and if she failed to make a payment the hospital could pursue garnishment of her wages.

“I’m glad you worked something out,” the judge said as he signed off on the agreement.

The court clerk handed Dudley a copy of the judgment, and once she was back outside the courtroom she took out her phone to run the math. If everything went right, and she somehow managed to save and pay $60 each month, she’d be sending checks to Poplar Bluff Regional for the next 5½ years.

In order to make 66 monthly payments, she had to somehow come up with the first, but her bank account was almost empty and payday was still a week away. Dudley left the courthouse, got into the car with her mother, then changed into a polo shirt for work. They drove away from the cobblestone streets of downtown and headed toward Goodwill.

“Could’ve been worse,” said her mother, Norma Garcia, 48. “Sixty isn’t so terrible.”

“It is if you don’t have it,” Dudley said. “Who do you know that’s sitting on an extra sixty each month?”

They drove past a dollar store, a payday lender and a fast-food restaurant advertising “full-time career opportunities” starting at $7.80 an hour.

“Maybe you can borrow it?” Garcia suggested.

“I don’t do credit cards or lenders,” Dudley said. “That’d just be another debt I couldn’t pay.”

“I meant from somebody.”

“Who?” Dudley asked. “Everyone we know is paying the hospital already.”

Their family had lived for three generations in Poplar Bluff’s predominantly black neighborhood just north of downtown, where according to credit records more than half of adults had debt in collections for unpaid auto loans, credit cards or medical bills. Dudley’s aunt had been sued twice by Poplar Bluff Regional and was forfeiting 15 percent of her paycheck to a court-ordered hospital garnishment. Her cousin was being sued for $1,200. Her sister owed $280.

But none of them had cycled through the emergency room as often as Dudley during the past several years. Her two pregnancies had complicated her diabetes, and she’d tried to save money by skimping on insulin. Instead of paying $50 every few months for a preventive medication, she had collapsed at work and been rushed to the emergency room, where she was sent home with thousands of dollars in now-unpaid bills. Poplar Bluff Regional was an ambitious rural hospital — a $173 million facility with a cancer center, a cardiac center, dozens of specialists and state-of-the-art surgical suites — and Dudley believed she was alive because of it. But during the past five years, the average amount that rural patients owed for hospital visits nationwide had doubled, and Dudley was earning $11 an hour at Goodwill as new hospital bills kept arriving in her mailbox.

She owed a $100 co-pay from another hospital visit in November 2018 that had already been sent to collections.

She owed $485 from another trip to the ER in April.

She owed $159 for lab tests, $85 for a doctor’s visit and now $60 for her first court-mandated payment, which was due at the end of the month.

“I’m trying to make peace with the fact that this debt could sit on me forever,” she said.

“Maybe I can help,” Garcia offered, even though she was on disability and avoiding her own billing notices from the hospital, seeking $365 in unpaid deductibles.

“It’s my bill to pay,” Dudley said. She’d been saving a little money for back-to-school supplies, and she said it was enough for her first month’s payment. “I’ll handle it,” she said. “There’s no other choice.”

There was one person in town who did believe patients had another choice, and over the past several years Daniel Moore had begun encouraging his clients to make it.

“Don’t pay one cent,” the lawyer had advised dozens of clients. “I don’t care how much the hospital says you owe. Fight them over it.”

Moore had been working for almost five decades as a self-described “old hillbilly lawyer” out of a converted house downtown. He specialized in criminal defense, with more than 400 cases pending all over the state, and he liked to align himself with the underdog. He’d been unable to afford a doctor himself while growing up on a farm with no running water, so when clients began coming to his office with bills from Poplar Bluff Regional that they could neither pay nor understand, he had agreed to take a look.

What Moore found in some of those itemized receipts didn’t make sense to him either: $75 for a surgical mask; $11.10 for each cleaning wipe; $23.62 for two standard ibuprofen pills; $592 for a strep throat culture; $838 for a pregnancy test. He searched through court records and discovered that the hospital was collecting hundreds of monthly garnishments from hourly employees at places like Quickstop, Earl’s Diner, Wendy’s, Instant Pawn and Alan’s Muffler.

He decided to represent several hospital patients free, and went to court against the hospital for a jury trial for the first time late in 2015. Moore’s client was a Poplar Bluff police officer with decent insurance, an Army veteran who went to the emergency room one afternoon because of chronic stomach problems. He’d been given a battery of tests in the ER, then treated with three IV medications before being discharged after three hours with a bill for $6,373. His insurance had paid some, but the hospital was suing him for co-pays totaling about $1,650, plus interest.

“The facts show that he came to the hospital and received treatment that alleviated his symptoms,” the hospital’s lawyer at the time told the jury. “He received three separate bills. He just didn’t pay the balance.”

“These charges are outrageous,” Moore told the jury. “He doesn’t owe the hospital anything.”

A billing manager from the hospital took the stand and said Poplar Bluff’s prices were in line with other hospitals in rural Missouri. She mentioned the high cost of providing care at rural hospitals, which must pay higher salaries in order to recruit doctors, nurses and specialists while also suffering more from federal cuts to Medicaid and Medicare compared with urban hospitals.

Moore began to question her about each charge on his client’s itemized receipt. Why, he asked, did it cost $800 to spend approximately 40 seconds with a doctor? Why was the hospital charging $211 for an oxygen sensor that was on sale for $16 at Walmart? Then Moore asked about three identical charges on the bill labeled “IV Push,” which each cost $365.

“An IV push, if I understand it, that’s the act of sticking the needle in that little port and then squeezing it,” Moore said. “Is that right?”

“Yes,” the billing manager said.

“So that takes maybe five seconds, right?”

“Yes.”

“So you, the hospital, think that act alone, not counting the drugs inside the IV, which cost thousands of dollars more — that act alone is worth $365.38?”

“Yes,” she said again.

“It makes me so mad,” Moore told the jury, in his closing argument. “If you’re content to let the hospital just crush people, then go on and give them their measly $1,650. But what you can do today is say, ‘Hey, we’re tired of this.’ How many times are we going to let working people take the shaft?”

“In reality, this is a simple bill,” the hospital’s lawyer countered. “All we’re asking for is his co-pay and his deductible. The hospital provided treatment. He still owes.”

The jury deliberated for less than an hour and then found in favor of Moore’s client, wiping away his hospital debts. But whatever sense of victory Moore felt was mitigated over the next months as Poplar Bluff Regional’s lawsuits continued to spread across the civil courts of Southeast Missouri, and he agreed to take on more free cases. “The hospital circuit,” Moore called it, which meant Mondays in Caruthersville, Tuesdays in West Plains and Wednesdays in Poplar Bluff.

On Thursdays it was Doniphan, a town of fewer than 2,000 people, where Poplar Bluff Regional had filed more than 300 lawsuits during the past several years. Moore drove past horse farms and timber plants, parking near an abandoned hospital. Ripley County Memorial had closed six months earlier, and there were locks on the doors and a sign taped above the ambulance bay.

“For Nearest Emergency Services, go 29 miles to Poplar Bluff Regional,” it said, and now several of those Poplar Bluff patients had been summoned right back to downtown Doniphan, to a red brick courthouse at the center of the town square.

They crowded next to each other on a wooden bench in the lobby, waving their hospital bills as fans against the late July heat while they waited for the courtroom to open and then entered one by one: a husband and wife who went for cancer treatments at Poplar Bluff Regional each week but couldn’t afford the co-pays. A community college student who owed more than $7,000 for treatment of a chronic heart condition. And then the judge, who had presided over hundreds of hospital cases during his career and also recused himself from one case a few years earlier, when the patient being sued was his wife.

“How are we all doing today?” he asked, as he looked down at a docket with 14 more cases between a hospital ownership company that couldn’t afford to keep losing money and patients who couldn’t afford to pay. Both sides were drowning in debt, fighting to stay above water, and pulling each other back down.

“It’s another full docket,” the judge said. “We might as well get started.”

Eli Saslow is a reporter at The

Washington Post. He won the 2014 Pulitzer Prize for Explanatory Reporting for his year-long series about food stamps in America. He was also a finalist for the Pulitzer Prize in Feature Writing in 2013, 2016 and 2017

[obiternihili]

I have to give a ‘persuasive’ speech in a couple days, so I figured I’d write it out as a tumblr post since I’m already a dumb argumentative fuck. At least it’ll serve as a sort of rough draft for me to articulate my ideas with. I actually can’t use a prewritten speech, tho, so I’m probably going to convert this index cards tomorrow. --- My fellow students are all likely aware of the growing crisis in student debt.

According to the Federal Reserve Bank of St. Louis, since 2006, the total student debt of the US in terms of GDP has expanded from 3.5 to 7.5%. In raw dollars, that’s $480.1 billion to $1,397.3 b. According to the Department of Education, the average tuition price in this country has risen from 6,500$ to over 20000$. I don’t think I need to prove to anyone how heavy that burden is. Nor should I have to explain to people how much harder this hits working class families. Because debt stays with you. It’s not something you can declare bankruptcy over. It’s going to constantly garnish your wages, stealing from you the opportunities you need to move to pursue better work, opportunities to save and insure yourself from loss, opportunities to pay for those losses when they arise. And what then? Interest kicks in, as debt just balloons and balloons. My mom made the mistake of going to a for profit in the 90s and now she’s saddled with over 20K in debt. The institution’s reputation wasn’t good, making what she did learn from it useless, and not merely because it was how to use a word processor back on dos. And yeah, she’s made her share of mistakes over the years, but are the consequences proportionate? Minimum wage and below minimum wage has left her with no savings, her mental and physical health have been getting steadily worse for years stopping her from being physically able to do a lot of the minimum wage work out there anyways. With no steady income in savings, she can’t get a place, leaving her dependent on friends and abusers to show her charity. Trapped in debt, she spends everything she has now on gas to go to work, and that’s if her EBT wasn’t randomly canceled. Are sickness, hunger, homelessness and abuse really an appropriate consequence for wanting to provide for her children? That’s a growing reality. More and more people are finding themselves trapped in debt slavery, struggling to get by, living day by day. You’ve seen the unrest this is causing - the Occupy Movement, the rise “economic insecurity”, the attacks on immigrants, and so on. But this is largely limited to the US, the UK, and Canada. Why? Since the 80s, the northern Anglophone countries have seen a trend towards privatization. But students aren’t normal consumers - the current world, not just the US, has undergone degree inflation, wherein the typical job-seeker becomes more educated, raising the expectations of employers of what to expect out of the average hire. Work is necessary, education has become necessary. Just as people can’t realistically go without power or water, the consumers must necessarily consume education, but education isn’t fungible, the infrastructure can’t simply be relocated by the consumer, quality varies according to time, and the reputation of your institution matters more than maybe anything else. And on top of all of that, there aren’t many services where you’re not guaranteed your purchase in the way Education isn’t. Education isn’t a simple commodity. There’s next to no reason for the costs to be eliminated through competition. We have no choice but to buy education. And there’s no such thing as a free lunch. Wherever you get such a thing, time and labor still had to be expended in order to move the raw materials to you, even if it’s only measured in the calories you burnt tending to your own garden. Instead, what’s happened is the governments of the states have simply shifted the costs. By slashing the budgets for universities, they seek to recompensate their necessary expenditures from the other other sources they have, in terms of endowments and tuition. But reputation matters more than anything, and all it takes is one bad semester for reputation to fall, causing students to flee, causing income to fall, causing reputation to fall, etc. Paying institutions according to student performance basically has the opposite effects as desired, because of failure spirals like that.

And in the name of competition every institution is also in a race to bring their services up to a competitive level.

And therein lies the joke; they don’t even feel the market effects of that. The Fed’s raising of the amount of debt we can take accumulate and guarantees to the colleges and loan companies has created a twisted chain shift in costs. How do other countries pay for education? Just fine from normal tax revenues, such as Austria’s VAT, which is basically a better kind of sales tax. This just isn’t really a problem for most of the developed world, our cultural sisters and cocommitters of our mistakes excluded. Even countries not traditionally considered developed don’t have this debt-slavery problem, even if they have to deal with corruption or lack of tax revenue. Our country pays for it by the Fed giving that money to us students, saddling us with debt, paid to loan companies, who are guaranteed by government anyways, who eventually pay the universities. We’re already paying for it as a country! Just in the most asinine way.

So what should we do? Cut the crap.

Obama’s ‘Pay as you Earn’ plan was a bandaid and whether or not it’ll be ripped off, I don’t know. But pressuring our representatives every election from now until they do something is one place to start. Raise education budgets, forgive outstanding debts, and pay colleges directly from progressive revenues instead of trapping the poor in Sisyphean hells. Simplify the flow of money by eliminating as many actors in the process as we can, so that budgets, debts, and performance can remain accountable and efficient, instead of this asinine process of deferring inflating debt to the people least capable of paying it off.

[disneyprincesspatrickstump]

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For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 876-5875

Ascent Law LLC

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Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

[dinafbrownil]

UVA Doctors Decry Aggressive Billing Practices By Their Own Hospital

Prominent doctors at UVA Health System are expressing public outrage at their employer’s practices to collect unpaid medical debt from its patients.

A Kaiser Health News report in September that showed UVA sued 36,000 patients over six years for more than $100 million, seizing wages and savings and even pushing families into bankruptcy.

Special Reports

Investigation

'UVA Has Ruined Us': Health System Sues Thousands Of Patients, Seizing Paychecks And Claiming Homes

By Jay Hancock and Elizabeth Lucas Sep 10

Over six years, the state institution filed 36,000 lawsuits against patients seeking a total of more than $106 million in unpaid bills, a KHN analysis finds.

Like many physicians who work at U.S. medical centers, the UVA doctors said they had little idea how aggressively the hospital where they practice was billing and pursuing their patients for payment.

Although the health system has announced some interim measures to scale back collections practices, some of the system’s most senior physicians are now calling for UVA to stop suing its patients altogether. And they are urging the pursuit of an “immediate solution” to address the national epidemic of health care debt.

“We were appalled by the revelations of the aggressive, pitiless billing and collections practices” at UVA, Dr. Scott Heysell and two other senior staff members wrote in a letter to KHN published Saturday. “We felt betrayed,” they wrote, “and we had, by extension, betrayed those who had relied on us.”

Heysell, an infectious-disease specialist and associate professor at UVA School of Medicine, and his co-authors echoed other UVA researchers and clinicians contacted by a reporter who said they were surprised and dismayed by the health system’s practices.

UVA initially defended its practices, pointing to the Virginia Debt Collection Act of 1988, which requires state agencies to “aggressively collect” money owed. But within days of the KHN report, UVA said it would reduce its use of the courts and make it easier for patients to qualify for financial assistance.

That’s not enough, said the letter’s authors, who include Dr. Rebecca Dillingham, director of UVA’s Center for Global Health, and Dr. Michael Williams, director of the UVA Center for Health Policy.

They ask “why UVA cannot join other public hospitals that have effectively stopped suing patients altogether?”

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Other University of Virginia faculty said the system’s practices undermined their efforts to improve care for middle- and lower-income families and was not in keeping with an ethos of putting patients first.

KHN’s findings “made me feel utterly hypocritical about my work and efforts to promote health equity,” Rajesh Balkrishnan, a UVA public health professor who researches cancer treatment in Appalachia, said in an interview.

“This is a public university with one of the richest endowments in the country,” he said. At least take care of the immediate community you serve.”

In September, UVA Health said it would “reduce our reliance on the legal system,” suing patients only if their household income is more than 400% of the federal poverty level, or $103,000 for a family of four. It also pledged to increase discounts for the uninsured and upgrade its financial assistance for patients.

Those measures are “a first step,” it said. On Oct. 28, it named an advisory council of community leaders, patient advocates and UVA students and staff to consider further changes.

“We are continuing to thoughtfully review our billing and collection practices to find additional ways to better serve our patient as well as improve fairness and transparency,” said UVA Health spokesman Eric Swensen. “We are looking at all options to achieve these goals.”

Virginia Gov. Ralph Northam, who oversees the state’s university system and public hospitals, is a pediatric neurologist.

“As a doctor himself, Gov. Northam agrees with the doctors who have taken a stand against unfair and aggressive medical billing practices,” his spokeswoman said. “Much more can and should be done to address this issue.”

KHN’s report prompted discussions across the campus in Charlottesville about how to treat uninsured patients or those with coverage who still struggle with thousands of dollars in out-of-pocket expenses, doctors and faculty said.

“No physician wants to be responsible for bankrupting a patient — not one physician, not one patient,” said Dr. Mohan Nadkarni, UVA’s chief of general internal medicine. He is the only physician on the advisory council.

“UVA physicians were completely taken aback by the scale and magnitude of the collections practices,” Nadkarni said. Discussion at the council’s first meeting reflected “lots of pent-up dissatisfaction from community leaders” about UVA’s practices, he said.

But many knew the health system was suing patients, they said. Some had firsthand experience with aggressive tactics from the billing office.

At one “town meeting” of health system employees, held at UVA’s Leonard Sandridge Auditorium in response to KHN’s report, somebody took the mic and asked, “Who in this room has been taken to collections by UVA?” said Matthew Gillikin, a speech therapist who was there. A third to half the people raised their hands, he said.

Court data analyzed by KHN showed that UVA Health was suing about 100 of its employees every year.

Also at the town meetings, “we heard many agonizing stories of patients and employees having been sued or having wages garnished,” Nadkarni said. “We heard loud and clear from many physicians that they heavily supported significant liberalization” of UVA Health’s financial assistance policies.

Family physician Dr. Alex Salomon, who worked at UVA for seven years and now is with Augusta Health in Fishersville, Va., had “a lot of patients” with UVA bill and lawsuit problems, many who had insurance but could not make out-of-pocket payments, he said. Still, he added, “I didn’t realize UVA was so much worse” than other hospitals.

As part of the University of Virginia, UVA Health is a state institution that is not subject to taxation. UVA Medical Center, the system’s flagship hospital, made a $91 million operating profit on revenue of $1.8 billion in the fiscal year ending in June and held stocks, bonds and other investments worth about $1 billion.

Doctors are realizing that financial barriers to treatment and budget squeezes from bills can be as harmful to patients as disease, said Dr. Marty Makary, a surgeon and researcher at Johns Hopkins Medicine who studies hospital debt collection and is urging UVA alumni to press for further change.

“I have not talked to a single patient or student of UVA or faculty member or alumni who thinks it is reasonable for the hospital to sue patients who cannot afford their bill,” he said.

News of UVA collections practices served as a teaching moment for at least one class.

“Many of the students in my class work for the UVA Health System, so the recent media coverage about UVA’s billing practices has been painful for them as nurses who care deeply about the patients and families they serve,” Kimberly Acquaviva, a professor who teaches health policy at UVA’s nursing school, tweeted in September. “As a class, we talked about the power that nurses have to shape the lives of the patients and families” by advocating for system change, she said.

She declined a request for an interview, as did five other doctors or professors. Several referred a reporter to UVA spokesman Swensen. About 20 others did not respond to interview requests.

Dr. Chris Ghaemmaghami, an emergency and internal medicine doctor, became UVA Health’s acting CEO after Pamela Sutton-Wallace announced her resignation in September. Her departure was unrelated to KHN’s revelations, UVA said at the time.

“I understand the disappointment some fellow physicians felt when our historic billing and collection practices came to light,” he said in an email responding to questions from KHN.

Heysell, Williams and Dillingham, the doctors who wrote the letter, go further.

“To be clear, we are outraged,” they write. “We stand with those that have been financially injured, whose bank accounts have been looted, whose homes have been swallowed as if they were built on quicksand, whose credit scores were ruined, and whose mental health and energy were spent in a courtroom or in anxious conversations with lawyers — all as a result of having sought our care.”

from Updates By Dina https://khn.org/news/uva-doctors-decry-aggressive-billing-practices-by-their-own-hospital/

[samtheflamingomain]

I. DECLARE... BANKRUPTCYYYYY!!!

I’m bankrupt.

Literally. Not in the Michael Scott sense of just screaming “I DECLARE BANKRUPTCY!” to my coworkers.

I sat down with a lawyer, and he poured through my shit. How much to I make, how much do I pay in taxes, what are my debts, etc.

I met with him last week, where he gave me a run-down of everything. Then we met today and signed the paperwork and made everything official.

Last week, he actually began by saying, “Let’s start with a credit check. It only works about 60% of the time -” immediately I’m like “Okay so I’m definitely in that other 40% cuz I have shit luck.” “But it’s a start. If it doesn’t go through, we have other options.”

Astoundingly, it went through.

Anyway, he quickly picked up on the fact that I’m a smart person, so he didn’t bother dumbing shit down for me. He said this: “Generally, people with insurmountable debt have 5 choices:

“1. Continue as is. Start there. Is there anything you can do to pay down your debt in a reasonable way? If not, go to number 2." I did.

“2. Ignore it. Don’t pay anything toward your debt. Wait for them to garnish your wages. Let your credit score sink. Obviously, nobody likes this option." Indeed I did not.

“3. Take out a loan from a bank and consolidate your debt into one payment. This makes absolutely 0 sense for you because you literally only have one debt: your personal credit card.

“4. Consumer Proposal. This is when you say to the bank, ‘I know I owe you 10 grand, but what if we settled on like 6 grand, and I’ll pay you $200/month toward that, over several years?’ This is a good option for some people - people with homes and cars and shit they want to keep. You own nothing. You don’t have assets that the bank could take.

“Which leads us to #5. Bankruptcy. This is optimal for people like yourself whom own nothing and thus have nothing to lose. You make poverty wages, so this is a very open-and-shut case." I'm paraphrasing; he did give me the option of the Consumer Proposal, but it just doesn't make sense.

He boiled it down to this: "You're still young. You have time to rebuild your credit score after a bankruptcy. You will lose nothing but $200 a month for 9 months. My paycheck comes out of that. Obviously no credit cards for a while - at least a year - but that and a bad credit score for a few years is all that you stand to lose."

So I agreed. And today I signed a million forms and shook the lawyer's hand and just like that... $10,000 of debt... disappeared.

I'm not sure how I feel just yet. On one hand, this debt has been looming over my head for YEARS. Probably like 1/3 of my life. The fact that it (more or less) is now completely absent from my life (I was paying more than $500/month TOWARD my credit card before, so $200/month is a downright bargain) it... well, it hasn't settled in yet.

I'm used to being strapped for cash because I'd put money toward my debt and then run out of money and put shit ON my credit card before payday. But as of today, after paying rent, I literally have $700 in my bank account. That has never happened before, because if I had $700 in my bank account, I'd but $400 toward my credit card ASAP.

But... I don't need to. I put $400 into a savings account instead. I used to try to use it when I was younger, but once I lost my entire family and became 100% independent, that savings account became nothing but a cruel joke when I logged into online banking. 2 accounts: Checking, with about 3 fucking dollars in it. And your ~savings account~ that's been accumulating nothing but dust for 6 years. Which one do you want to view~?

On another hand (how many am I at now?) I've never *not* had a credit card as an adult. Never. I got my first and only credit card when I was 16 because I was about to go on an exchange program in France and my parents wanted me to have a fallback in case my debit card didn't work there (spoiler alert: it didn't. It was 2011, so maybe things have changed, but in the rural farm community I lived at? It was cash or credit for me. And the nearest bank was an hour away, literally. So thank God they did get me that card.)

After 4 months in France, I'd put about $700 on my credit card. But my parents gave me $500 for my birthday to spend in France, so I paid that, and they paid the rest when I got home.

I didn't need to use my card again till university. I had expenses and no income, so my parents paid it off, usually just $100 a month or so, groceries, transit, etc.

I had about $1100 worth of debt when I became homeless. This was because my parents, before they kicked me out of their house, allowed me to furnish the basement of said house as if it were my own apartment. So I bought a futon, a coffee table, a few things here and there.

Then they kicked me out, and I literally couldn't afford to move any of those pieces of furniture out of the house. So that pissed me right off.

Anyway. After 3 months of homelessness, I'd turned $1100 into $2500. Then I got a place, got settled...

And then my cat got very, very sick. And it only cost me $1000, but at the time, my limit was 3500. I was in tears at the vet's office when they gave me the bill. I literally stood in front of several people and burst into tears. (The original bill was $1200, but I told them my credit limit and they made an exception, thank fuck.)

Then I got a limit increase. $12,000!

Then... my computer died.

Before I go into it, let me make one thing clear: I'm not ashamed of the fact that I require a decent-quality computer. I will use a fucking flip phone, and I would watch TV on a fuckin' 30-incher, but I *need* a good computer into to enjoy my life. It's my Center of Operations for everything creative and informational in my life. I use it to its fullest every single day. 

So I turned $3500 into $5000.

That was my last major expense, in late 2017. So how have I doubled that in just 2 years?

Well, here's a list of things I HAVE to put on my credit card: my phone bill ($50), and therapy ($60, twice a month). That's $170. So do that for 2 years, that's 4 grand.

But I've been putting money toward that amount for 2 years as well, and I've never missed a payment. In fact, I've never made a payment that wasn't at least DOUBLE the MINIMUM payment.

I bought a Switch this year, and I had to buy THREE FUCKING COFFEE MAKERS in the last THREE MONTHS, that's $200. Other than that... alcoholism. And weed. Lots of weed.

To bring this absolute fucking novel to a close: the future. That's a big focus of the bankruptcy process. There's 3 things you have to do: pay (200$/m for 9 months), meet with the lawyer twice, and fill out a budget every month.

Obviously the purpose of the budgets and the meetings are to fix where you dun fucked up and how to get better. But here's the thing...

There was this form that I had to sign that included the "reason I was so in debt and couldn't pay it back". The lawyer had typed in that field "I was homeless for a period of time and haven't been able to pay off that debt and its subsequent accumulation". He's like "I don't think you have a budgeting problem, I think you just had so much debt that it consumed most of your income." And that's true.

But. I don't want to come to him in November and show him that I spent $400 on alcohol and $200 on weed. He literally said, "However you spend your money doesn't matter [re:bankruptcy], we just want to see if there's a way to help you budget better to avoid future debt."

And I think, if I don't have to pay $500 toward my credit card every month, I have little incentive to spend less on alcohol and weed.

But, and I'm sorry this is so fucking long, this is my last point I promise, I've made myself a deal.

Instead of paying that extra money toward my debt, I'm saving it. I want this to be a real, true new start, in every way.

So instead of spending that excess money on alcohol and weed, it's going into that savings account. For a tattoo. That I'm going to design myself. I fucking love tattoos, but I've been so broke the last few years that it's been a hot minute since I've gotten one that I didn't do myself (I have a tattoo gun, they actually look pretty decent).

The lawyer said this as well: "You can have as many savings accounts as you want with your bank. Make one for each thing you're saving toward. 'Vacation', 'Games', anything."

Well I don't have a passport and I don't need a new console, but if I could save even a few hundred bucks toward a new tattoo? Sign me up. So I did.

I want a full, detailed sleeve on my right arm. That'll be at *least* 2 grand. But I can do it. That's my goal. That's me, thinking of the future in the only way I can.

I can't imagine anyone has stayed with me this long but if you have, well Stay Greater, Flamingo. PS: Just an interesting and kinda funny thing. One of the forms I had to sign off on said that, if I were to win the lottery/inheret a large sum of money in the next year, I’d have to pay off all my debts with it. I don’t know why but I just find that absolutely hilarious that they bothered to make up a document in case such a thing were to happen.

[weannoyingbouquetgalaxy-blog1]

Life Insurance?

"Life Insurance?

I'm a joint account with my husband's credit union, Michigan First Credit Union, Priority Credit Union, Detroit Municipal Credit Union which is here in Detroit Michigan some of them has a promotional life insurance like CUNA Life Insurance which is included with my husband's Michigan First Credit Union that he included. My question is, can my husband include me or buy a life insurance for me that is included with those credit union as family life's insurance. Is that possible? I just want to know because I'm only new here in USA and came from other country so I'm scared with this life insurance that my husband buying, can he buy life insurance for me in those family credit union.

BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr 

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How common is rescission of insurance policies?

How common is rescission of insurance policies? Is it common? Or not?

""Have SR-22 insurance, can I switch insurance companies?""

Hi, I've had sr-22 insurance through geico for a little over a year now, however due to recently moving to florida my monthly payments have gone through the roof. Do I have the option of switching to a cheaper insurance company without having to restart the 3 year mandatory holding of the sr-22?""

Am I insured to drive?

i am 17 and i live in california and i just got my license. is it legal for me to drive my mom's car? the car is insured under my parents name. would they have to put me under their insurance first? we have allstate.

Low cost health care for an adult in California?

Could you tell me what kind of resources are available for a single male who makes $1,800 a month and needs affordable low cost health care coverage in California? What does the state offer if anything?""

Home insurance automatically renewed can I get my money back?

Firstly, yes I am an idiot and should read my post more carefully.... I have just realised that I have been paying two sets of home insurance for a year because my previous years had been automatically renewed.....can I get my money back?""

Can you buy multiple life insurance policies?

If one had a whole life insurance policy valued at $1M, and through a life settlement company sold it for $455K; could you essentially use those same funds to purchase another life insurance such as a universal life insurance policy for $1M?""

What is the best dental insurance in Florida?

I'm gearing up for braces, I need some filling and extractions first so I'm looking for a good dental plan. I need 5 fillings and two extractions. To be frank, I'm a little confused on which one to choose. I'm self employed so I don't belong to any insurance plan as of right now. I'm looking for whats going to be the cheapest for just what I need done (listed above) and nothing more. btw I live in Tampa. Thanks in advance for any suggestions!""

Health insurance for wrestling..?

hi im a soon to be freshmen joining the wrestling team, and i dont have health insurance.. coach says i do, or i cant play. can someone please tell me a cheap health insurance coverage? my family is not financialy strong.. so please help me out here""

Car insurance?

So im thinking of getting a car... but im 16 so i know insurance is gonna be insane, and im in MA so its mandatory. Anyways from what i understand it cost way less to get added to your parents policy. But can i do that if im not driving their car, but my own car i bought (not yet)? I cant buy the car in their name... has to be in mine...""

Why is livery insurance so hard to get and so expensive?

I am in the process of starting up a shuttle transportation service. However, one of the biggest problems I am having is getting the insurance needed. This is a for hire shuttle service, meaning customers pay a fee to ride on my 15 person vans. Almost every insurance company I called said they don't offer this type of insurance, and the one that did quoted me $8,000 to $10,000 per year!! What's the deal here? What type of insurance does the famous supershuttle company have? Does anyone know how to go about getting this insurance??""

How much lesser is car insurance every 6 months ?

I pay car insurance every month. ON AVERAGE do you think I would pay less every 6 months?

Cancelling car insurance?

if i decided to cancel my car insurance and go elsewhere would i have to pay a cancellation fee? if so how much is this likely to be? im with m&s (underwritten by bisl). also will my previous ncd be void because i wont have completed this current year due to cancelling early?

How much will my insurance cost?

I know this is going to be different by state, and maybe even by zip code, but all I want is a average, or rough estimate what my insurance will cost. I'm 18 years old,(male)and have had my license for two years, and I have a clean history, and have never had an accident or ticket. My car is a 2000 Ford Focus ZX3, with a 2.0 Zetec engine, and 5 speed manual transmission. I also live in the state of Virginia. So how much would my insurance cost me monthly? I'll be on my fathers insurance aloso by the way. As I said, I know this will not be accurate, but I just want a guess to start with to have an idea on what I'll be paying monthly.""

Cheap Auto Insurance?

I know for a 17-yr-old newly licensed female its expensive, but what auto insurance company would you recommend. I live in New York, drive '93 Ford Explorer thats in satisfactory condition.""

Can you register and buy a (cheap) car with no license or insurance?

I want to know if i can register a very cheap car thats around 2,000 tops at a used car lot and buy it with no problems.What problems will i face isnt it easyier to get a cheap car like this then at a actual new dealer i have no license or insurance do i pick a dealer with in house financing the only thing they will most likely ask for is it to get registered can i do that im paying half down.?im 21 im getting my license in 2 weeks (and no i cant wait)""

What's a good car to get cheap on insurance ?

I'm from uk

Insurance on bentley?

I got a bentley continental already and I want to know were Is the best place for bentley insurance before/soon as I turn 18 next year jan.

What are affordable health insurance plans in mass?

private insurances, available to full time college students""

Low cost health care for an adult in California?

Could you tell me what kind of resources are available for a single male who makes $1,800 a month and needs affordable low cost health care coverage in California? What does the state offer if anything?""

""Why do all of my car insurance quotes start at 5,000?! (20 years old)?""

Hey, hopefully you can help me. I have been looking at car insurance online (moneysupermarket.com) and I had 16 quotes come back to me from different providers, ranging from 5,550 - 9,860!? I have no health or sight problems, no convictions etc... I'm just a simple standard applicant. I am 21 years old in August, female and looking to insure a Ford KA 2000 1,3 living in west midlands. I really expected insurance to be around 1,500 maximum, am I filling in the application wrong?!""

Please help. Is it a must to get a car insurance in order to use and drive my car?

Hi guys, I wanna buy a car, but I wanna be sure if I have to get a car insurance in order to drive my car legally on the streets. Thanks XD""

How is 18yr old meant to get car insurance?

I live in London and passed my test in February. I own Renault Clio 1.2 And the cheapest quote i got so far is 305 pounds per month, which is way too much for me. What companies are cheap? What can i do to start driving legally, searching for insurance is frustrating Dont say price comparison websites they suck cheapest quote there was 8k per year""

Were can you get cheap car insurance?

i am 17 years old. i have ford kA and i am trying to look for cheap insurance cn any one help? xx

Life Insurance?

I'm a joint account with my husband's credit union, Michigan First Credit Union, Priority Credit Union, Detroit Municipal Credit Union which is here in Detroit Michigan some of them has a promotional life insurance like CUNA Life Insurance which is included with my husband's Michigan First Credit Union that he included. My question is, can my husband include me or buy a life insurance for me that is included with those credit union as family life's insurance. Is that possible? I just want to know because I'm only new here in USA and came from other country so I'm scared with this life insurance that my husband buying, can he buy life insurance for me in those family credit union.

Car insurance Policys?

Hi there people i need help with this badly i had car insurance on my car for the last 6 months but sadly i had a crash in my car and is no longer drivable, i rang up my insurance company 2 change the policy and there tellin me that if i want 2 insure with them i need 2 get my self a 4 grand car does that seem right??""

Does my 17 yr.old need car insurance to drive my car?

in connecticut

""I'm 16 , how much with motor cycle insurance be?""

As it says above, I'm curious on how much it will be? cheaper than car insurance , or more? im from phoenix arizona. good grades , clean record . so if anyone knows how to help?""

If im a named driver on a car what isnt mine do i need my own insurance or can i drive it along as im named?

if im a named driver on a car what isnt mine do i need my own insurance to drive it or can i drive it along as im named on the policy??

How much is an MRI without insurance?

How much is an MRI without: insurance, for the left leg, & in NY.""

My driver's license was suspended for driving without insurance/license and not showing up for court dates.?

My driver's license was suspended for driving without insurance/license and not showing up for court dates. I did have my license and insurance at the time but did not have my wallet with me. I was wondering how much it will cost me to reinstate my driver's license and if I might have to take the driver's test over again or not. If I have documentation that I had a license and insurance at the time would it help me? I'm in Alabama if that helps. Any answers are greatly appreciated.

Affordable car insurance for HORRIBLE driving records?

I am looking for affordable car insurance for a poor driving record. I have never gotten a DUI or anything like that but I have been caught driving without insurance a couple times. I also have had speeding tickets and my license suspended before. Now that I am older, I obviously see the consequences. I am currently insured by Gieco but it is over $450 a month! I am willing to pay up to $200 since I know my driving record is not pretty. Does ANYONE have any suggestions and WHY?""

""What insurance companies will insure a Lamborghini gallardo, bently, Mclaren, or any other expensive cars?""

I do not own any... my freind has a mclaren, but im curious which companies like that insure cars like that

If you have exceptionally cheap car insurance where do you get it?

I know a lot goes into calculating car insurance, not asking about that. Just want to know if you pay a really small amount for coverage, what that amount is and where you get it from. (Must cover cars in the U.S, though companies can be anywhere).""

The insurance on a kawasaki ninja 250?

I don't want a quote it just want to know from people who've had this bike at the age of 17 and how much they paid for their insurance, preferably in pounds because i live in the UK""

Open driver car insurance?

I have recently got a job which involves me driving a disabled mans car. I have recently passed my driving test (october 2010) and I am only 19 years old. Does this mean the company I am working for needs to pay more for me to drive the car as I am not a experienced driver?

Prior proof of insurance?

I just got progressive car insurance. They want me to send prior proof of insurance from my old company. Do I just send in my old insurance card?

Were can i get an auto insurance quote for cars PRE 1981?

i am thinking of buying either a 1965 mustang a 1969 mustang a 1970 mustang or a 1965-69 lincoln continental... and i wanted to get cheap insurance quotes.... but all the sites like progressive, geico, allstate only let you insure at lowest 81 any one know a good quote site""

How long does a traffic violation affect car insurance quotes?

Two years ago, Feb in 2011, I was caught driving with a suspended license. Since then, car insurance has been through the roofs. How long until my quotes are no longer affected by my violation?""

Motorcycle insurance question?

Hey, so im 19 and live in ontario. I want to get insurance for my bike but its hella expensive. Could i 'sell' the bike to my uncle (DOES NOT LIVE WITH ME), he insures it and becomes primary rider and puts me as secondary? He has his own bike so he will have 2 bikes under his name, and ill be secondary for 1 will it work?""

Weekend only car insurance?

I'm looking for some car insurance but only need it for the weekends but every weekend. I was wondering if a) there is at all anyway that this is possible, and if so where I could do this? It is for an under 21 year old as well Thanks""

Car Insurance Premium?

I have a car which is insured with company B. I decided to buy a new car and the dealer offered me a 7 days free comprehensive insurance with company C. I put my old car for sale while still under insurance B and on the third day after buying the new car I got into an accident. All accident details and fixes were done with the free 7 days car insurance C. During the process my older car was sold and eventually when I got my new car back from the garage I transferred it to my Insurance B. Now that liability of the accident is dealt with and stayed at 50/50 guilt for both parties, I was advised that my insurance premiums can be affected. My question is will that affect my current insurance B or not? Only insurance C dealt with the accident my insurance B have not paid nothing towards it nor get involved with it. Can my insurance B still go up on renewal due to this accident even under a different insurer?""

Should I cancel my car insurance?

I got into an accident 1 month ago and the insurance company of the person who hit me is handling my claim. I don't have coverage for my car so my insurance company is not really doing anything. So should I just cancel my insurance because I am not using my car anyways, and most likely my car will be a write-off because the damage seems irreparable or if it is, the repairs would cost more than the car itself. What do you guys thinks? Thanks for your time.""

I might be pregnant where do i go to get a test were i have no insurance?

I have taken a HPT and it came up negative, but i didn't get my period. I have no insurance I just moved and started a new job. So where do I go without paying a lot of money?""

Car insurance estimate?

Hi i'm currently 16 and soon to be old enough to take driving lessons, but first off i have a question. What would be the likely insurance premium for a 2009 BMW Z4 23i kept in a public place with viper alarm system and a steering lock.""

""How could i get affordable car insurance with in10, 8 points, 3 Children :'(?""

So i passed at 17, Iam 21 now, at the age of 19 i got my licence taken off me for driving without insurance (my fault thought i was insured third party on my dads car with his permission) With 8 points and a fine included. Since 19 ive been taking buses and sick of it missing lessons etc because i commute to Uni. 2 years later ive had enough and passed my test. How on earth do i get insured at 21 with 8 points in Bradford? Surely someone must be in the same boat and have some advice ? I have a car and 3 children and they are nearly all starting school i really need to be driving them there. I want to do the right thing and be fully insured its bin 3 years since i had the in10 cant they not be so harsh as its been so long now. Ive matured and am the calmest driver ive ever been. Thankyou to anyone who helps !""

How much is car insurance for a 16 year old?

I live in CA orange county and have a 1999 honda. Parents have good insurance

False County Court Claim Against Me on My Car Insurance?

Someone has put a claim in against me for damages, for an accident I know nothing about. It is from early 2010 and has been going on since then. I have been contesting it on the grounds I have not been involved in an incident, however the third party solicitors have issued County Court proceedings against me. My insurance company are saying they are putting in a defence and have provided a barrister. I am really annoyed with this as I know I haven't been in an accident. I could understand if maybe they were claiming I clipped them and I had done it without realising but they are claiming for an accident which I have no knowledge of! I have attended the Magistrate's Court hearing and although I pleaded not guilty I have been found guilty on the grounds that for the time and date of the accident I have no alibi, witness or other evidence to support my whereabouts. The other party has an independent witness who works for the same company and alleges she could recognise my car but not me as a driver. Mag court fined me and gave me 6 points on my licence. I am not working (and not in receipt of any benefits) and this CC claim amounts to 5k! How would I pay a sum like this??? Or would my insurance company pay out if I was found to be at fault ??? Please help! Where do I stand on this? Any help appreciated. Thanks!""

Is it true that I will have to buy health insurance or pay a fine?

I thought the whole purpose of the Affordable Care Act was to make healthcare available to everyone. Now I am being told that I have to buy it.

What kind of cars cost the least amount of money to insure?

I am a teenage driver and I am looking to get my first car. What kind of cars have lower insurance rates, and are still reliable? I plan on getting a used car from around 2006-2008.""

Life Insurance?

I'm a joint account with my husband's credit union, Michigan First Credit Union, Priority Credit Union, Detroit Municipal Credit Union which is here in Detroit Michigan some of them has a promotional life insurance like CUNA Life Insurance which is included with my husband's Michigan First Credit Union that he included. My question is, can my husband include me or buy a life insurance for me that is included with those credit union as family life's insurance. Is that possible? I just want to know because I'm only new here in USA and came from other country so I'm scared with this life insurance that my husband buying, can he buy life insurance for me in those family credit union.

Auto Insurance average for me?

I've had my temps for about 8mos now, and I'm going Togo to driving school for my license. I'm 17 years old. How much do you think average coverage should be?""

Why do people in the US waste money on car insurance?

There are 5 states such as California where 25% of the public has NO car insurance...while the rest of the country has an average of 7% uninsured. Obviously no one is enforcing insurance so...why bother getting insurance at all. Isn't it cheaper to have none..and more un-American to have it? After all, Americans generally think they should not have to pay for anything, so why pay for anything at all?""

Will a provisional influence car insurance?

Hi guys, Im thinking about getting myself a car when Im 17 and Im looking into the insurance and what type to look for so I can save and know what Im looking for. So I was wondering if I have a provisional moped license will that help to lower my car insurance? and what car should I be looking for that cheap and easy to run and best on the insurance. Thanks in advance for your help.""

Life Insurance?

Is life insurance under rated? If so explain why?

What is the cheapest type of car insurance?

What is the cheapest type of car insurance?

Will obamacare lower health insurance premiums?

how will forcing more people to purchase a finite resource (increasing demand) cause the price to go down?

How much will the Insurance cost me for A 1999 Mitsubishi Eclipse ?

I am 17, and I was thinking about my first car, and I've been doing some research and I love the Mitsubishi Eclipse and I can afford to buy one since $1000-9000 is in my price range, I found a perfect 1999 Black Mitsubishi Eclipse is great condition for $6,999, but since I'm a new driver insurance will not be easy but I don't want to take full coverage I just want PiP. Anyone that works at an insurance company that could help or anyone who knows how insurance works answer my question.""

Obamacare health insurance rebates?

My school requires a mandatory student health insurance plan and i had this for the last 3 years. With the Affordable Care Act, the Govt. requires health insurance companies to pay back some of the premium it if less than 80% is used on medical care or more than 20% is used on administrative costs. I did not use my health insurance at all during the last 3 years. Will i get get a rebate of some kind? Should i call my school and ask for a health insurance rebate for last year?""

What are some problems with mandatory health insurance?

In California, you are required by law to insure your car...so what would be some problems with similarly requiring that parents provide health insurance for their children? This pertains to minors only...what if parents were required to insure their minors?""

Will my car insurance go down?

I've wrecked about 2 cars. and my insurance got high I would like to know if I stopped driving would my insurance go down over time?( I am currently driving a motorcycle)

State farm car insurance?

recently i got my license and am now added, without charge, to my parents' car insurance. i'm 23 and from texas. my question is, if was to get married, would the company drop me off of the insurance?? i'd really like to know any info pertaining to this...i already called, but couldn't talk to anyone right now, so any knowledge would be great. thanks!!""

How much should my car insurance raise....?

I am 16, I've been driving 4 months. I have USAA car insurance, and I went to a driving school. I'm a supertard and today I rear-ended someone.... the cops were called and an accident report was filed, they said that my insurance company and the person's will contact eachother. I'm just curious to how much you think it should raise? There was alot of damage to my front end, but the person's who I hit hardly had a few scratches on the back bumper. I'm already paying $80 a month. Thanks so much for your estimates!! (p.s. i live in TX if that makes a difference.)""

Salvage car insurance?

If I have nissan 350z roadstar 2006 salvage car with only 13 000 miles and I have only liability insurance. Now If someone else hits my car(AND ITS HIS MISTAKE) and I have damage, what would the other insurance party will give me? Would they fix my car if it has big damage?If they total it, how much would they pay? i UNDERSTAND THAT SALVAGE CARS ARE FAR LESS WORTH ,HENCE I AM ONLY BUYING LIABILITY ON IT. BUT WHAT IF MY CAR IS DAMAGED BY SOMEONE ELSE MISTAKE?""

Do I need insurance to drive with an instruction permit?

I am 19 years old in California. I tried looking at the CA DMV website, but it does not specify anywhere whether I need insurance in order to drive with an instruction permit...""

How much does Car insurance cost?

I am 17 and a half about to get a license. I want to know an estimate on how much car insurance will cost for me alone. The car I'ma use is an 1990 Acura Integra. I really don't want a it depends answer haha. Just want a best guess? What's the best type of car insurance and is recommended? And is there any discounts that can help me?

I bought a car week ago and i get insurance from AIG it costs me $850 for 6 months(full coverage)?

does anybody know cheaper one i am first time driver and my car new toyota scion XA 2006 thanks i really need cheaper one

Can't find No fault insurance?

I am looking online and I can't find any site that will give me a quote on no fault auto insurance. Everyone I go to is full coverage and I don't want that. I would say I'm pretty good at finding things online but yahoo or google searches are not giving me the sites I want. Please don't be like this one guy and give me an answer that an computer operator would give me. --- answered by carbuyboy . In order to get no-fault insurance, your state has to be a no-fault state. Only a few are. Since you can't find no-fault, it looks like you don't live in one of the few no-fault states. This does not answer my question at all not even 1% of it.""

Cheapest Auto Insurance Humanly Possible?

I am a college student living on campus and want to have a car but will not be driving it much at all. I am just looking for the most basic and least expensive auto insurance I can find. I am 19 with no tickets or accidents yada yada yada. Where can I find some cheap coverage?

Just passed driving test. 18 years old. What is the cheapest insurance company for me?

Just recently passed 17, turning 18 in a few days. What is the best insurance company in terms of price? also what car would i need to purchase to get the cheapest possible quote? Advice needed!""

Can i put my car under my dads car insurance?

Okay so im 17 and getting a 1.1 litre care soon, my dad has no cars listed under his insurance but is a named driver on my mums car. Can i put my car under his insurance and sign the car as his in the log book and be a 2nd driver? how much extra will that cost a month ? hes been driving 27 year , thank you.""

Would the car insurance cost more than this car?

I'm thinking of buying an old car for $300 maybe a bit more I have my eye on a few cars like a Vauxhall. I heard car insurance is very expensive maybe a months cost of insurance will cost more than the car?!?! What price i'm I looking at?

Staying on parents health insurance in NJ?

As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?""

What is the best car insurance?

What is the best car insurance company? Has there historically been one that really stands out for following through on claims/advice/help? Not so much just a question of price, but reliability...""

How expensive is car insurance under my own name rather than my Mom's name?

My mom's car insurance covers me...but they are threatening to take me off her insurance over something stupid. Does anybody have any idea of how much more expensive it is if I get my own car insurance under my name instead? I'm 23, male, in Ontario, Canada.""

""Are deductibles such as auto insurance or extended warranty deductions, taxable?

I had to pay a $100 deductible (plus $13 tax) when a repair was made under my extended warranty on my car. Was this a taxable item?

Life Insurance?

I'm a joint account with my husband's credit union, Michigan First Credit Union, Priority Credit Union, Detroit Municipal Credit Union which is here in Detroit Michigan some of them has a promotional life insurance like CUNA Life Insurance which is included with my husband's Michigan First Credit Union that he included. My question is, can my husband include me or buy a life insurance for me that is included with those credit union as family life's insurance. Is that possible? I just want to know because I'm only new here in USA and came from other country so I'm scared with this life insurance that my husband buying, can he buy life insurance for me in those family credit union.

https://www.linkedin.com/pulse/why-does-your-motorcycle-insurance-ask-whether-youre-married-sharpe"

[captain-unlikelynutbouquet-blog]

How does my driving record affect my parents insurance rates?

"How does my driving record affect my parents insurance rates?

In Illinois How does my driving record (20 F) affect my parents auto insurance if I'm not on their policy? I have my own car in my name and my own insurance policy in a different company than theirs. I do have 2 points on my record from a collision back in Oct. of 08' shortly after I got my license. Even than I had my own car and own insurance. I do live at home but I don't drive any of their cars ever.

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 

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my quote was 4,200 :( that's too much it more then a car LOL but like i heard something about this policy between two drivers can anyone explain how it works and if i crash on this policy will the other drivers no claim bonus be effected?""

Car Insurance Question (sorry I know nothing about cars...)?

Sorry, Im new to all this so excuse the stupid question but Im starting driving lessons soon and am looking to get a car in the new year. Im just wondering HOW OFTEN do you make car insurance payments? As in once a year or is it a monthly thing? I just did one of the online get a quote thingys and it said around 350 which sounds grand if its yearly but steep if thats a monthly payment. Lolli""

Can you please tell me of a insurance company that will give me insurance even if i have?

a pre existing medical condition i need critical illness insurance with a 6 months waiting can you give a link please to some insurance company's

Car accident no insurance?

Long story short- we were in a car accident because this lady was trying to turn left over a double yellow line into the gas station and we hit her from behind. Well we didnt have car insurance at the time because my hubby was out of work for 3 months and you pick and choose your bills at that time. So, the cop gave us a ticket and we did a little damage on her car. Her insurance company called and said we are supposed to pay 1500.00 to fix her bumper. Well they said that we can pay a big lump-sum now and they wont take us to court or we can do payments. NOW- i understand that we need to pay for her damages, my question is that can they garnish my husband wages now that he is back at work. Or if we go to small claims court will the cost will be more then what they are offering? I DO NOT think she had that much damage. I took many photos.""

I am a unemployed college student and I need health insurance. Who has great affordable plans?

I am a unemployed college student and I need health insurance. Who has great affordable plans?

California speeding and no proof of insurance ticket?

It was dark and raining. I just came off the bay bridge in SF and am positive I was driving below 40 on the bridge and between 40-60 when I got off the bridge. The cop was on 80E past fremont exit. He said I was at 67 in a 50 zone and also did not give me enough time to look for my proof of insurance. He said lets make this easy and quick and cited me for speeding and for no insurance and not no proof of insurance. He cited both as non-correctable. It this accurate? I don't think his radar reading isaccurate. How can Ichallenge this?

Will insurance points carry over to another company?

I have 9 insurance points. My mom is wondering if she signs me onto her policy, will the rates go up dramatically, or will they still be reasonable?""

Health insurance for low income college student?

I was just wondering if anyone had some suggestions for reasonably priced health insurance in Minnesota. I am very physically active, do a lot of running and weight lifting; so my primary concerns are coverage for treatments involving possible breaks, fractures, muscle and tendon tears/breaks, and other things of that nature common with active individuals. Preferably something under $100/month because I am in school and with my current income I am lucky to average $800/month take home. Any help/direction would be greatly appreciated because I have not had health insurance for 9 years since I was no longer eligible for my mothers health insurance.""

""Car insurance, how much?""

how much would full-cover car insurance cost for a cadillac luxury coupe CTS, 2014? ----------------------------------------------- What about for a 2014 Nissan 370z?""

Are there any affordable insurance companies out there for carpenters?

i need to obtain general liability and workers comp. to start my business. looking for affordable insurance in louisiana, (preferrably in baton rouge).""

Will Insurance cover this?

I ran over a rather large rock in a Toyota Prius and now the car rattles at 15 MPH, 25, 35, and 45 MPH. I dented the catalytic converter and I believe it needs replacing at the cost of $1800. I also dented the gas tank. In the 2007 Prius I believe there is a rubber bladder inside the tank that holds the gas. I am not sure how bad it is to have a dented tank such as mine. If I call the insurance and tell them what happened will that help ease the cost and I'll only have to pay a deductible? It's not my car and i'm not sure if it has full coverage or not. Thanks!""

How does my driving record affect my parents insurance rates?

In Illinois How does my driving record (20 F) affect my parents auto insurance if I'm not on their policy? I have my own car in my name and my own insurance policy in a different company than theirs. I do have 2 points on my record from a collision back in Oct. of 08' shortly after I got my license. Even than I had my own car and own insurance. I do live at home but I don't drive any of their cars ever.

Who's Car Insurance Would Handle the Accident?

My sister has been driving my mother's car (Loan, registration, insurance in my mother's name) Occasionally she allows her boyfriend to drive the car, although my mother has stated on numerous occasions that she does not want him driving that car. He was in an accident on Friday and claims the car is totaled. He claims that he called the police and filed a report, it can be picked up on Tuesday. He also claims that his insurance is covering the accident. My problem is, the car is insured in my mother's name, so he is not allowed to do this, correct? Also, even though my mother was not involved in the accident, can she still call the police and get a copy of the report? After all, the car is in her name. Please enlighten me, I'm trying to figure this all out.""

Will the insurance go up?

My boyfriend drag races his bike for fun. But the one race he got hurt. His brother offered to ride it home for him, since we didn't have a trailor. His brother wrecked it on the way home. But since it wasn't my boyfriend driving, will his insurance go up?""

Insurance fraud?

I have a friend who committed insurance fraud. he had to do a sworen affidated. (he claimed his brand new sled was stollen) What can happen if he is caught.

Can i get car insurance from a different adress?

basically where i live my car uinsuranmce would be double that of where my boyfriend lives and i was wondering if i could use his adress for my car insurance. i got o his house for half teh week anyway and im thinking im gunna leave my car there most of trhe time and only bring it home on teh odd accassion and put down on my insurance that i use it for commuting. but teh agress on my license will be different to that on the insurance. i will register the car to my boyfriends adress though. so is this ok? thank you for any help :)

About how much would my USAA auto insurance cost?

I am 16 and I will be getting my license... I passed drivers ed and get good grades I wanted to get a quote but the USAA website wanted me to give info such as social security and etc, and I do not feel comfortable giving that info. Can anyone tell me a rough estimate of what my auto insurance might cost per month? how much extra will my parents pay a month and how much my car insurance would be? just a rough estimate""

Is car insurance more expensive in Florida or Oklahoma?

I moved from Ohio to Oklahoma and my car insurance rates went way up. Now I'm moving to Florida. I was just curious how Florida rates and if my insurance will be more or less expensive there? Thank you!

How much is car insurance for a first time teenage driver?

How much is car insurance for a first time teenage driver?

What can a car finance company do if you no longer have insurance?

I bought a 2004 vehicle (from CarMax) about 3 months ago. The finance company (Capital One Auto Finance) would only approve me if I started an insurance policy before I left the dealership. I did, but have since let that policy go, for different reasons. The finance company is now sending me letters to give them updated insurance info, or they may take appropriate action to protect its interest . What exactly does that mean??? All my payments have been on time, actually 2 weeks or more early. So, what can they do if I continue not to have insurance, since my payments on the vehicle are all in order? Since guessing or assuming won't help me, sources for your answers would be helpful. Thanks.""

""Maximums for lawsuits in California have been capped at $250,000 for many years, and insurance costs haven't?

...gone down one bit. Lawsuits are only 5% of insurance companies costs - it's been proven many times including during the 2004 Presidential debates. Why is this the only suggestion they ever have?

How much is insurance per year on a E46 BMW M3?

I'm looking into buying a 2002-2004 M3. I'm 18 yo male with a clean driving record.

Can you get car insurance in British Columbia from anyone other than ICBC?

I've been searching around and it seems that nobody will sell insurance in a province that has a government insurance agency?

Renters insurance?????

My landlord is asking me to get insurance for my dog but its not for like health and stuff its for something else. She told me about renters insurance. And i don't know what to do. Plz help

Does anybody know where i can get cheap car insurance?

Hi, I'm 20 and i am looking to buy a small car so i can commute to work. However, the insurance on it is sky high. I have tried all sorts of different makes of cars to see if the insurance is cheaper but it doesn't really make much difference, i am looking at Puntos, Yaris's (small cars like that). I have had my licence for 3 months so obviously it is going to be slightly expensive. I have been on all of the price comparison websites and the cheapest i have got it so far is 308 A MONTH! Apparently my postcode is notorious for sky high insurance but that's just ridiculous. Does anybody know of any insurers i can try which could be cheaper? Thanks""

How long do I have to pay this expensive premium?

I don't know much about car insurance, but I have a six month premium and it is pretty expensive. I have had the insurance for 5 of the 6 months. My real question is after six months will I pay a least expensive amount or how does it work?""

How much does auto insurance cost for a teenager?

How much does auto insurance cost for a teenager?

Is classic car insurance better for a 1984 corvette or regular car insurance?

im planning on getting a 1984 corvette but the insurance for it is a little too high.i just found out about classic car insurance but i really don't know much about it.but for classic car insurance,am i limited to a certain number of things like how far i can drive my car,when i can drive,etc?will the insurance actually be less or more for classic car insurance?and what is the best classic car insurance company i should go with?""

Insurance violation 16028 (a)?

I was riding my friends motorcycle today. I got pulled over for doing 75 in a 65. My friend does have insurance on the motorcycle but there was no insurance paperwork on the motorcycle. I got written up for no insurance, the cop said as long as the bike does have insurance the court should drop it. My question is, do I need to be insured on the bike or does just the bike need insurance since I was just riding it that day?""

TEENS: Car insurance question!?

Kinda random but here we go. 1 How much do you pay a month for insurance? 2 How old are you? Male or Female? 3 Do you pay for it or do your rents help? thanks!

Do anyone have an idea about how the insurance of 1992 mistubishi expo cost for 19 years old male?

Do anyone have an idea about how the insurance of 1992 mistubishi expo cost for 19 years old male?

Will taking online driver's ed screw over my insurance?

I was just wondering. My older sister took an online drivers ed and said it was a lot easier and quicker, but my friends older brother said it screws over insurance, especially if you're a guy (which i am...). What are the pros and cons of taking online and in person classes? also, what can i do to lower my insurance rates for when i get my license?""

What is the typical cost of motorcycle insurance in california?

What is the typical cost of motorcycle insurance in california?

What is the average motorcycle insurance cost for an over 30s on a 125cc with cbt?

What is the average motorcycle insurance cost for an over 30s on a 125cc with cbt?

Insurance for a 16 yo?

im 16 and i am looking for a project car. the car i want is a 1971 dodge charger and it will take me a year or two to finish but i was wondering how much insurance would be if i got it and it was all finished and I was on my moms insurance?

Adding a driver to geico insurance?

Okay I have this crazy situation going on and Geico won't seem to answer their phones. I'm leaving to basic training VERY SOON and my car is going to be left at home. The problem is, is that my dad wants to drive it and I don't want to go through the hassle of going to the DMV, changing names, getting it registered, and getting insurance on it again. Is it possible to just put my father as a driver but still be on my insurance? If possible, how much more will they charge? Any suggestions before I leave? Car: Acura RSX (5-spd manual transmission) Year: 2003 Current payment: $682 per 6 months (liability) Fathers age: 65, clean driving record""

What is a good car insurance for someone that is 17?

im 17my car is insured by my moms insurance but she wants to take me off. What are some good options??

How does my driving record affect my parents insurance rates?

In Illinois How does my driving record (20 F) affect my parents auto insurance if I'm not on their policy? I have my own car in my name and my own insurance policy in a different company than theirs. I do have 2 points on my record from a collision back in Oct. of 08' shortly after I got my license. Even than I had my own car and own insurance. I do live at home but I don't drive any of their cars ever.

How much would insurance cost around for a 2002 ford explorer for a 16 year old?

please don't tell me it depends and such...i just want a range Thanks

Does insurance go up when I get my driver's permit?

I'm a little over 15 and a half i live in california and my family has AAA so will the insurance price raise? i know that when i get over 16 it does raise but any tips on how to bring down the rates a little?

Will my car insurance rate go up because of this freak accident?

I was backing out of a parking lot and I hit a van coming up. Considering the fact that the parking lot was nearly empty neither one of us saw each other coming. I did pull off pretty fast but not too fast. Their was no damage to my car, but he had a small dent on the side of his nothing major. We called the police cause he was older and felt safer doing that. The police said nothing will go on our records, but didn't say whose at fault. So we just exchanged insurance info. Does this mean nothing will happen, or will my mom go crazy when she finds out? How much of an increase would this cause her insurance to go up? What are the circumstances that this might cause an extreme insurance hike for a 19 year old?""

Cheap ohio auto insurance?

hi! does anyone know what some of the cheapest auto insurance companies are in ohio?

What is the cheapest car insurance?

What is the cheapest car insurance?

Cheap car insurance with different situations?

HI I have one car at the moment. I am looking to buy another one for my wife. I want to know how will it work out cheap to get both insured. is it 1) If we both can drive eachothers cars? 2)we have seperate insurances on our cars and we can not drive eachothers cars? 3)I can drive my wife's car but she cant drive mine.? Also how can we protect individual no claim bonuses aswel. Thanks

How much will motorcycle insurance cost?

I'm 16 I got a 97 Kawasaki ninja how much to I have to pay I have my own car insurance policy can I get it with the same company

Why is insurance on Motobikes Much lower for a 17 year old then insurance for a car of the same value?

I'm 16 and i'm looking how much it would cost me to get a car or a bike when i turn 17 next year so i can save up and get one of them i looked at insurance for both and ended up with a 3000 quote for a car worth 2000 and a 750 Quote for a bike worth 2300 they where both from the same insurer and all the details where the same I'm just ondering why is this the case and if it's actualy better for me to get a bike instead ofa car

Car Insurance policies for teenagers?

Im 16 and i wanna get a car. First what is the average cost for car insurance a month for a teenager. I know it varies among companies but i just want a reasonable number. Second, would it cost more for my parent to by car insurance for them and then add me to their policy or just get the insurance for me/""

Car acccident insurance issue?

I had a faulty accident. I gave my license plate number and registration number to the other party but I forgot to give them my insurance information ? what will happen now?

What insurance companies offer the best rates / coverage for Martial arts classes?

What is out there and about how much does it run?

Affordable and good quality health insurance in CA? Any thoughts?

Anyhow, I just lost my job and the Cobra option is way too expensive (over 500 dollars/month). I'm currently unemployed and so is my wife, and I'm looking for affordable, yet quality health insurance. Anyone have some suggestions? Thanks for your help.""

Does it cost money on my dad's insurance just getting a driver's license?

?

Do you know any reasonably priced (if there are any) health insurance companies?

I am retiring, and wife has to purchase her own coverage.""

Will this cover my insurance too...?

hi i have a full coverage on my car that also has rental coverage... now, my friend rented a car with insurance...i was not a registered driver of that car.... but then if i drive it and gets into accident,will my personal car insurance still covers it?""

Can my dad by a motorcycle and put it under his insurance for me to drive?

ok im conused about this whole thing i know for a 16 year old motorcycle insurance is crazy. So how would this work my dads been driving all his life(Harley-Davidson) and his insurance is cheap, now for me its gonna be alot of money so can he buy the bike and put it under his name then i just drive it so then it wont be so much $ on me? can this work or is that illegal for me to be driving someone elses bike? is there anyway like i stated above to make my insurance cheaper if this doesnt work?""

Best optical insurance?

Which insurance is accepted at the most places?

Question about switching auto insurance?

Currently I'm with state farm and I recently changed back accounts without telling them accidently so now I am a month behind and they took away my coverage. I am thinking about switching to a cheaper insurance company but would I still have to pay state farm the rest of what I owe for the 6 month contract I have with them?

Auto insurance what gender is cheaper to insure?

Hello everyone well i have a question regarding auto insurance me and my wife are considered new drivers now its been awhile since we had a policy i realise women typically get better rates however will she get a much better rate or just slightly better i am 42 and she is 28 and we both have good driving records

Switching insurance companies to get the car fixed?

The accident was not at my fault. Had a police report. Contacted both insurance companies. Got a rental car and check ($1500) from other party's insurance company (NJ Skylands) as decided to go through them. Brought the car to body shop and found out NJ Skylands wants to cheat and pay less. So I called my insurance company (State Farm) and reopened the claim to go through them. State Farm took deductible and issued a check for $1788. Body shop wants to get $2788 for repair. Can I still use that check for $1500 to cover the rest of expanses?

Whats insurances gonna be like on a red mustang convertiable?

Whats insurances gonna be like on a red mustang convertiable?

Car insurance for new drivers!?

Will car insurance for a 19 year old be allot cheaper than a 17 year old? Both being NEW drivers.

Does anyone know cheap car insurance for 26 year old female?

Does anyone know cheap car insurance for 26 year old female?

What car insurance would you recommended after having a DUI?

I'm on my last month of having a year suspension and need to start checking out insurance companies. After AAA saw my penalty on record, I was instantly declined to be re-insured. Obviously I can't be picky, but all I ask is for the best deal at the lowest price. Not sure if these influence the price ranges or not, but here are some basics that may be of assistance: Female, 20. Toyota Yaris '09 wet-and-wreckless infraction, over a year ago. Been driving for 4 years. Sacramento, CA""

I have Kansas Progressive Auto insurance. Will my insurance drop when I turn 25? And if so approx how much?

Any answers pertaining to age 25 &/or the state of KS is helpful. I can't find anything on Progressive relating to age & insurance rates. Thanks!

How does my driving record affect my parents insurance rates?

In Illinois How does my driving record (20 F) affect my parents auto insurance if I'm not on their policy? I have my own car in my name and my own insurance policy in a different company than theirs. I do have 2 points on my record from a collision back in Oct. of 08' shortly after I got my license. Even than I had my own car and own insurance. I do live at home but I don't drive any of their cars ever.

Insurance company not paying for car repair that isn't my fault?

I was in an car accident. I was in the right hand side of the parking lot and I was backing out of my parking space. I was in the middle of the parking lot, and a guy pulling out of his parking space on the left hand side of the parking lot. While I was in the middle of the parking lot, the guy back his car into mine (In a hurry). After this accident happened, this guy admitted that he hit me and the accident was his fault. The police showed up and we told our stories and he admit to the police that the accident was his fault and it was on the police report. After the accident, we went our separate ways. I talked to my insurance company and they told me that since the guy that hit me admitted that he caused the accident, I had to take it up with the guy's insurance company. I called the insurance adjuster from the other insurance company and gave my statement and he told me that he viewed the accident as both our faults and would not pay me to have my car fixed. And I told him that his client admitted to the accident and he said it didn't matter. I would have to go to my insurance company to have my car fixed. I have arbitration. Also, the adjuster said that I can go through arbitration. I don't know what to do. What can I do about it?""

Is it cheaper to only out me on the insurance for one night?

Is it cheaper to only out me on the insurance for one night?

Where can i find affordable life insurance for my 81 yr old granmother?

I live in Illinois, and I work for the UI, but im not sure if I can add my grandmother on my insurance...So Im trying to find somewhere that will take senior citizens, but something i can afford..""

How much should the car insurance premium be like after 2 years?

How much should the car insurance premium be like after 2 years?

Full coverage car insurance?

My parents are the primary insurance holders of the car insurance. It is full coverage and the 1st wreck since having this insurance which has been 5 years for this car. I am on the insurance but not a primary driver. I was involved in a car wreck on my car but my friend was driving and I was in the passenger seat. Since it is full coverage what happens? Do they have to have proof that I said he could drive? Or do they just go about and get it fixed and not say anything since the car is under full insurance? I have I clue when it comes to car insurance so of someone could explain everything the best they can it would be greatly appreciated

Teenage insurance?

Id there any way how you can avoid paying for teen insurance? (Because the family insurer usually raises price as soon as the teen in the family gets license) If not, how to get cheap insurance?""

How much does renters insurance usually run?

I'm 25 and this is a pretty new concept to me. My new landlord (a management company) suggested that everyone get it For our own Protection. I just need a ball park number. Thanks.

Do you have health insurance?

if so, how much is it per month?? How old are you?? what kind of deducatble do you have?? feel free to answer also if you do not have insurance and how you might pay any medical costs.""

Insurance cost for you?-wondering please help!!!:/?

Ok im 16 1/2applying for insurance for my car. I am outraged at the annual average yearly cosy 1200-2800$. Eeek!:( Whats your opinion on what company I should choose?-and whats the rough cost you pay about monthly/yearly? helpp!

Why wont my insurance insure me ?

im currently paying 350 for a 125 honda varadero ( on learners ) then i passed my test ( im 19 ) i upgraded cost me 27 to get pillon and change to big licence. Then i asked them to do me quote on a 250 ninja r, so i can get insured on that and they said the insurance doesnt cover me you have to cancel it and go some where eles. what the ****?""

Car insurance black box (auto saints)?

I am going to have my car insured with a black box soon from auto saints, because it's much cheaper than any other insurance that I have looked at. My question is, after the second year does the insurance go down a lot with a years of no claims bonus (my friends say it doesn't) . So is it worth it? and do I have to keep the black box for the second year as well or is worth it changing insurance company after the second year?""

Help with car insurance?

Hello, I am 18 and saved up alot of money for a car, I passed my test around 9,10 months ago and now i want to buy a focus rs. I dont want people saying that i shouldnt buy it and something else is better. All I want is to know roughly how much my insurance is going to be and where i will be able to get it from? Thanks in advanced""

Cheapest saturn sky insurance for a 16 year old?

I am about to turn sixteen and i was wndering how much insurance would cost for a Saturn sky?

How much is insurance for a 2005 V6 mustang for a 49 year old women?

My mom wants a mustang for her birthday just to drive back in forth to work. What will the insurence cost for her

Can I drive my parents car without insurance?

Can I drive my parents car without insurance, the car is insured under my parents name, ( we live at the same address) and also can I drive someone elses car without insurance with his or her permission""

Insurance cost for Dodge charger?

Ok so in about 5 months I turn 16 my dad is getting me a charger (Probably v8). I live in Florida, I live about 10 blocks from my school. my GPA is 3.3, my dad lives near his job he has not gotten a ticket in about 10 years the car is going to be under his name. Please estimate the insurance cost and please don't tell me to get a quot(to Much info plus, don't want give out my social security) And if you think I should get a better car that would be less please share that with me(Has to be a mean looking customizable car) I think I answered all the questions you need to give me a good estimate thank you!""

""Can you suggest a good,affordable health insurance plan?""

I am an adjunct instructor at two colleges in Michigan. Neither institution offers health insurance for adjunct instructors. For the last three years I have been getting health Insurance through a postdoctoral fellowship. Now this fellowship has come to an end, and I am in desperate straits. I have heart problems and I need specials medicationss for depression and attention deficit disorder.What do I do?""

I need health insurance for my daughter?

I am a 70 % disabled military veteran looking for affordable health insurance for my daughter. Any suggestions?

Self employed and need affordable health insurance for self and children?

Self employed and need affordable health insurance for self and children?

What type of Life Insurance would be best for me?

I am a 27 year old single male. I own a house that has a mortgage, and I have some outstanding debt, car, student loans, etc. I plan to be married within the next 3-4 years. I want to make sure that if something should happen to me my family, future wife and parents, are not stuck with my bills and able to continue on without a huge finacial hardship. I know there are different types of life insurance, but not sure how the different ones work. Any help would be greatly appreciated.""

""If I go under my parents car insurance, is it cheaper ?""

Hello. I'm 18 and recently got my provisional license. I would like to know if I go under my moms name for the insurance of the car, would it be significantly less expensive than if I were to get my own insurance, or is it the same price for insurance all around ?""

How much motorcycle insurance cost in Ontario?

per month

The candidates are drum about affordable health insurance?

they go on and on about 15% do not have affordable health insurance 45 million well what about the other 85 million that do? I'm not saying the others don't rate insurance and it should be affordability to everyone. But get off the negative drum and onto the up beat of one. If they are talking about the elder and small kids that is one thing then just say that don't throw a bunch of numebrs out thinking all are going to vote for you just becasue you say this or that.

Will my insurance go up due to points on my license?

I am a 22 year old male. Was cited for going 25.5 miles over the speed limit on a freeway. Plead guilty. And 4 points were assessed on my license. This is the first time any points have been on my license. My question is will my insurance go up do to this and if so how much could I expect? Thanks Also, if anyone knows of anything I can do to keep my insurance from going up, please let me know.""

Should I get Term Life Insurance at a young age?

I am currently 30 years old and in excellent health but since I am getting ready to start a family, I want to be prepared for the future of my loved ones. After reading about different life insurance options, I am deciding to go with Term Life Insurance for 20 years. Is it true that Term Life Insurance premiums don't change throughout the life of the term? If so, shouldn't I sign-up now while my annual payment will be low and locked in at this rate? My employer offers a very small life insurance benefit that I am already a part of but I want more just in case. While I am asking, are there any circumstances where a payout won't be made if I were to die under a term life insurance plan? Is it guaranteed? What if I (God forbid) get Cancer or have a heart attack? Thanks in advance!""

How does my driving record affect my parents insurance rates?

In Illinois How does my driving record (20 F) affect my parents auto insurance if I'm not on their policy? I have my own car in my name and my own insurance policy in a different company than theirs. I do have 2 points on my record from a collision back in Oct. of 08' shortly after I got my license. Even than I had my own car and own insurance. I do live at home but I don't drive any of their cars ever.

https://www.linkedin.com/pulse/whats-best-auto-insurance-teenagers-marieke-fleming-2"

[jaimehatton]

Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

[asafeatherwould]

Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

[loreneweiner]

Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

[lilynikki]

Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

from Michael Anderson http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

from Criminal Defense Lawyer West Jordan Utah https://criminaldefenselawyerwestjorda.tumblr.com/post/161257967921

[advertphoto]

Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

[aretia]

Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/

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Tax Attorney West Jordan Utah

Tax Attorney West Jordan Utah

When it comes to personal and business taxes in Utah, there are essentially two government bodies that we work with. First is the Internal Revenue Service, also known as the IRS, and the second is the Utah State Tax Commission or USTC. Both of these entities are in charge of collecting and assessing taxes from businesses and individuals in Utah.

Typically, most people can prepare and file their tax returns on their own each year; however, some businesses and individuals should have either an accountant or a tax attorney help them get their taxes done.

Why Would I Need A Tax Lawyer?

You should consider having a lawyer prepare and file your taxes if you have set up complex trusts, have business accounting issues, have had trouble with the IRS in the past, or if you are concerned about an issue in either your personal or business tax filings.

Additionally, if you have received a CP 504 Notice from the IRS, or other tax notices which state that you have delinquent taxes owing, or if you haven’t filed your tax returns in several years; you should contact our office for guidance on how to proceed in your specific situation.

Can You Reduce My Taxes to Pennies on the Dollar?

Sometimes we can reduce or eliminate tax liability all together.

For example, we have a client who is a high net worth individual. He invested his retirement savings with someone who scammed him, took all of his money, and then lost it all. That individual was later criminally charged and then, a few years later, our client got a notice from the IRS stating that he owed over $150,000.00 in taxes!

Imagine his shock.

He had invested his retirements funds and lost them and now he was stuck with a huge tax bill. We obtained a form 2848 (or IRS power of attorney) from him and we got to work. We were able to reduce his tax bill down to zero. Our client was very happy.

Will the IRS Seize My Bank Account or Garnish My Wages?

If you have delinquent taxes owing and no agreement with the IRS for repayment of those taxes; then, yes, the IRS has the ability to put a levy on your assets and begin aggressive collection actions. Usually notices will come in the mail from the IRS before such action is taken; however, we have seen cases where a spouse or employee has taken the mail and our client never received notice of the levy.

You should make sure all of your taxes are paid and your tax forms filed on time. If you are delinquent, we can do an offer in compromise; an installment payment agreement or even get you on non-collectible status if necessary.

What is an Offer in Compromise?

An Offer in Compromise is when you offer the IRS less money than you currently owe on your back taxes to clear it off of their books and yours. We do an extensive analysis to determine your net worth pursuant to IRS standards. What your net worth is what you are required to “offer” to the IRS in order to settle your tax debt.

We recommend that you speak with an attorney about any Offer in Compromise that you are considering. The information required in the offer in compromise and what deductions you are allowed can be very technical.

If you put incorrect information on the forms, you could end up having your offer denied or rejected by the IRS.

The IRS has specifically trained agents who review offers in compromise, so you need to be sure that you have a tax lawyer on your side who has done many of these types of cases.

You should be aware that if you willfully engage in tax evasion, you can be criminally charged and even go to federal prison. There are no federal misdemeanor crimes, so you want to put the correct information on your tax returns, correct information on your offer in compromise, yet take every legal deduction, credit and offset that you are legally entitled to. For this reason alone, having a tax lawyer on your side is the first step you should take if you owe taxes to the IRS or USTC.

Can a Business file an offer in Compromise?

Yes and No. This is a good question. If you business is closed an no longer operating, you can file an offer in compromise for your business. If your business is still operating, you cannot file an offer in compromise. It will be rejected because the business is an ongoing concern. The IRS views businesses and revenue generating machines for them. If you have a business, the IRS will assume that you can pay all of your back taxes in full. They will want to put you into an installment agreement or have you close the business.

What is an Installment Payment Agreement?

An Installment Payment Agreement is a payment plan with the IRS or USTC. With the help of our office, we can contact the taxing agency and get you put on a payment plan. We work to get any interest, penalties, and fees waived, eliminated completely or significantly reduced. We typically need to set up these payment plans to be completed in 60 months. Sometimes, they can be for less than the total amount due and owing.

Can I do an Installment Agreement for Business tax debt?

Yes you can create an installment agreement for business tax debt. First, you can always put an installment agreement for back taxes. The problem usually shows up if you have an ongoing business the continually must pay taxes on a monthly or quarterly basis. If your back taxes are put on a plan, you must still stay current on all of your monthly and/or quarterly tax installment payments to remain in the IRS’s good graces.

What is Non-Collectible Status?

Non-collectible status (also called status 53 with the IRS) means that at this time you don’t make enough money for them to collect from you so they will leave you alone for a period of 1 year. Non-Collectible status can be renewed each year until you either are able to pay back the money to the IRS or if you are now in a position to make an offer in compromise.

If you are in non-collectible status, it might be the best time to file an offer in compromise because you will be able to settle for pennies on the dollar because you don’t have much to offer.

Utah Tax Attorneys that Fight the IRS for you

Ascent Law has several attorneys who are licensed and regularly practice in tax law, IRS settlements, and bankruptcy. We know the local IRS revenue officers and we can even meet with the IRS agents so you don’t have to.

We have offices throughout Utah, and our main office is in West Jordan. We also accept tax cases if you are located in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Lehi, Tooele, Grantsville, American Fork, Pleasant Grove, Bountiful, Woods Cross, Lindon, Centerville, Orem, Park City, Midway, Farmington, Provo, Layton, and Heber City.

We want to help you with your IRS tax matter. Call us today to discuss your case either in person or over the phone.

Call:801-876-5875

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 876-5875

Ascent Law LLC

4.7 stars – based on 47 reviews

Additional Articles

Home Page

IRS Tax Law

Firm Overview

Can Taxes Be Discharged in a Bankruptcy?

Michael R. Anderson, Tax Lawyer in Utah

Source: http://www.ascentlawfirm.com/tax-attorney-west-jordan-utah/