人做税

你是否感到被拖欠税款压垮了? Do you wonder when you’ll ever be able to escape the tax debt you’re in? 在我们best365娱乐官方登录的帮助下, you can regain control of your finances and get rid of your back taxes.

当你和有经验的注册会计师一起工作时, 登记代理人和税务专业人员, 你将在申报欠税方面得到帮助, resolving your back taxes or finding another financial solution. No matter the amount of debt you’re in from IRS back taxes, 你可以减轻自己的负担,并显著改善你的财务状况.

什么是拖欠税款?

滞纳的税是 是在前一年欠下的. These taxes went fully or partially unpaid in the year they were due. A taxpayer can have unpaid local, state and/or federal back taxes. Not only does the taxpayer have to pay these back taxes, 但他们也要对这些滞纳税款所累积的罚金和利息负责.

Any taxpayer can find themselves in the situation of owing back taxes. While some taxpayers intentionally don’t pay taxes when they’re due, 许多人在无意中落后了.

1. 为什么我要欠税?

What are some of the causes of a taxpayer owing back taxes?

  • Not reporting all of their earned income from that tax year
  • 忽视或忘记提交纳税申报单
  • Filing a return but failing to pay their tax liability

If you don’t pay all of the taxes you are required to pay in that tax year, 你会欠国内税务局的欠税. The IRS will send out notices to you about these unpaid taxes.

2. 如果我不交欠税会怎么样?

If these taxes continue to go unpaid after several notices, 国税局会追加一笔罚款, 再加上这笔未付税款的利息. 债务的利息是 介于0.5%和25% for every month the taxpayer is late on repaying their tax debt.

这就是许多纳税人发现自己难以缴纳滞纳税款的原因. 因为 利息和罚金在美国,如果长时间不交税,纳税人的总税收债务可能会增长到难以承受的地步.

For those who can’t pay back taxes, the consequences can be serious. 政府可能会:

  • 装饰你的工资
  • 起诉
  • 抓住你的家
  • 扣押你的银行账户资产
  • 要求立即补缴欠税
  • 提供一个自愿披露计划,让纳税人避免刑事指控,并让他们有机会从多种支付选择中选择.

Failure to pay back taxes can even result in prison time, 这就是为什么如此多的纳税人因无力偿还纳税债务而感到不知所措的原因.

一个女人在她的笔记本电脑上计算税收

如何消除滞纳税款

If you owe the IRS, you have a few options for how to pay back taxes. Knowing your options will allow you to pick the best plan for you. 如果你欠税而无法支付,你可以从以下选项中做出选择:

  • 用借记卡或信用卡支付
  • 申请个人贷款
  • 请求短分机
  • 从401(k)计划中借钱
  • 申请分期付款协议
  • 申请一个折中的提议
  • 申请不可收藏状态

1. 用借记卡或信用卡支付

对许多纳税人来说,用信用卡或借记卡支付是一种方便的支付方式. 你对支付过程有更多的控制——你可以选择何时付款.

当你使用信用卡时,你还可以获得奖励,比如积分、里程或返现. 当然,信用卡余额过高也会对你的信用评分产生负面影响. You’ll also need to pay a small percentage for the card’s processing fee.

如果你已经有信用卡债务,或者你将无法付清你的余额, then paying your back taxes with a credit card may not be the best option.

2. 申请个人贷款

You may be able to take out a personal loan to pay for your back taxes. 有个人贷款, 你将有一个稳定的每月付款, 而且贷款的成本可能比信用卡或IRS的支付计划要低.

如果你要支付的利息比你通过IRS还款计划支付的利息要多,那么这种选择可能不适合你. 如果你延迟还款,你的信用评分也会受到负面影响.

You may also be able to obtain a personal loan from a relative or friend. Depending on the source, the cost and fees associated with this loan vary. 比较个人贷款与信用卡支付或IRS还款计划的计算结果,以确定个人贷款是否对你来说是更好的财务选择.

在办公桌前报税的男人

3. 申请短分机号

To allow taxpayers to pay their tax debt in full, the IRS will give taxpayers 最长120天 支付他们的余额. 如果你期望在几个月内就能存足够的钱全额支付你的欠税, 那么这对你来说可能是一个方便的付款方式.

You won’t have to pay a fee when you request this extension, 但如果你得到了短期延期, 国税局还是会对你的债务收取利息. 你还会招致每月0美元的罚款.5%,直到你付清全额.

4. 从401(k)计划中借钱

如果你被允许从你的401(k)计划中贷款, you may want to consider this as a way to get rid of your back taxes. This can be an inexpensive and accessible cash source to pay off your tax debt. 然而,如果你不偿还这笔贷款,你就会对你的退休储蓄产生负面影响.

Most with access to this loan will be limited to 最多5万美元. You’ll also need to pay back this loan within five years. 如果你不能及时付款, 你在还贷款之前离开了你的雇主, 否则你的计划就会终止, then this 401(k) loan will be considered a taxable distribution. You may also have to pay an early distribution penalty.

如果这些选择听起来都不适合你,还有更多的计划供你选择. 这是纳税人摆脱滞纳税款最常见的三种方式:

  • 分期付款协议: 支付计划与国税局
  • 提供在妥协: 以低于欠款数额的金额补缴税款
  • Non-collectible状态: 收集过程中暂时的延迟

分期付款协议

对于欠税的纳税人,美国国税局提供分期付款协议.

1. 什么是分期付款协议?

分期付款协议 是否直接与美国国税局制定支付计划,在一定期限内支付你的欠税. Generally, these plans are paid in monthly installments. 你能得到的分期付款协议的类型取决于你的具体情况, such as how soon you’ll be able to pay your balance and how much you owe.

2. What Are the Penalties and Fees for 分期付款协议?

分期付款, the penalty placed on your tax debt will be reduced to a monthly rate of 0.25%,直到你付清全额. You’ll also need to pay interest on this debt and an application fee.

申请费用取决于你的支付方式——如果你在线申请并通过自动提款支付,费用会比你使用其他支付方式低, 比如邮件, 电话或面对面. 如果你是一个低收入的申请人,费用会减少,可能会被免除或偿还. If you’re unsure whether you’re considered a low-income applicant, 你可以通过 国税局形式13844.

3. 你如何付款?

你可以用自动提款、借记卡或信用卡来支付月供. 如果你用借记卡或信用卡支付,你还需要支付手续费. 税收债务 超过2.5万美元, you’ll need to set up automatic withdrawals to make your payments.

4. 如果你不按时付款会发生什么?

如果你不按规定的时间付款,国税局可以使你的分期付款协议无效.

5. 分期付款协议对你来说是正确的选择吗?

如果你不能偿还欠税,分期付款协议对你来说可能是最好的选择. 自动取款, taxpayers don’t have to worry about forgetting monthly due dates for payments.

对于那些不能在120天内付清税款的纳税人来说,这是最好的选择 最多5万美元. If you know you’ll be able to pay your back taxes in full within 120 days, you may want to opt for an extension rather than an installment agreement.

男子在看报告

提供在妥协

对于未缴税款的纳税人, the IRS may allow you to settle your tax debt for less than what you owe. 这个解被称为 折中的提议. 这是可以理解的, 对于欠税的纳税人来说,折衷的提议通常是最有吸引力的选择.

不幸的是, many applicants won’t be approved for 折中的提议, 因为美国国税局认为,大多数纳税人都有能力偿还他们的税收债务. 这就是为什么许多纳税人求助于BC Tax这样的服务,以成功地收到来自IRS的折中方案.

1. 妥协的条件是什么?

When a taxpayer owes a tax debt they are unable to pay, 他们可能会收到一份折中方案,以低于他们所欠税额的价格解决他们的税收债务. This is an option available from the IRS for taxpayers in hardship situations.

资格, 你需要证明,根据国税局设定的财务标准,你的纳税债务会导致财务困难.

2. What Are the Penalties and Fees for 提供在妥协?

There are no penalties associated with offers in compromise, but there are other fees and costs you’ll need to pay. When you apply for 折中的提议, you’ll need to pay:

  • 186美元的申请费: 如果你是低收入纳税人,你可以获得豁免,这样你就不必支付申请费.
  • 首期付款: 这笔付款是不可退还的,要么是你的第一次每月付款,要么是你将支付的金额的20%.
  • 兴趣: Your debt will accrue interest, which you’ll also be responsible for paying.

Your federal tax liens won’t go away until you’ve repaid your tax debt.

3. 折中报价对你来说是正确的选择吗?

资格 for 折中的提议, you must be current on your tax returns. Taxpayers who haven’t filed tax returns in a while may not qualify. If you are currently in an open proceeding for bankruptcy, 你也没有资格接受折中方案.

如果你不能支付你的欠税和支付你的债务将导致财政困难, 你可以考虑申请一份折中的工作,以摆脱你的欠税.

Non-Collectible状态

For taxpayers with unpaid back taxes, the IRS also offers an option 被称为不可收藏状态.

1. 什么是不可收藏状态?

如果国税局认为你无法支付合理的生活费用和税款, 然后你的债务可能被宣布无法收回. 当你的债务被宣布不可收回时,它被称为当前不可收回. 在这段时间, 国税局将停止任何激进的征收策略,如扣发你的工资或扣押你的资产.

2. What Are the Penalties and Fees for Non-Collectible状态?

当你的税收债务处于不可收状态时,你的债务仍然会产生利息和罚款. 随着时间的推移,这些可能会累积成相当大的数量. In addition, you’ll be forfeiting tax refunds that you would otherwise receive.

3. 不可收藏状态对你来说是正确的选择吗?

You may be asked by the IRS to complete a Collection Information Statement. This is to prove your finances are as dire as you claim. 在这张表格上,你必须提供有关你的开支和每月收入的信息.

这种形式的减税只是暂时的, 美国国税局将继续审查你的财务状况,以确定它是否有所改善. Non-collectible status won’t make your back taxes disappear, 美国国税局可以继续征收税款 长达10年.

请联系best365娱乐官方登录部门以获得迟缴税款的帮助

你不能支付你的欠税吗? If the stress of your unpaid tax debt has been keeping you up at night, a tax professional can help you get rid of your tax debt. At BC Tax, we help taxpayers in Colorado and across the U.S. 发现税收减免.

With BC Tax on your side, you can take control of your financial situation. Let us take the weight of your tax debt off your shoulders. best365官方下载 for a free, no-obligation consultation to learn about all of your options.

公元前联系税务