Wonderful. Just wonderful.

[rocket333d]

Well, people read about my IRS woes last week. Now they've gotten worse. I was going to see if I could fight it, so I was going to apply for an extension on the deadline and ask for them to send me my hours and records.

If they were right, I was going to ask for a payment plan, so I could pay off my health insurance this month.

I just found out an hour ago, that my parents just mailed the full payment to them. This is not good as they expect to be repaid in full and that right soon. I could come up with the money, but that would mean I wouldn't be able to pay my health insurance and I'd probably lose it. This is AWFUL. And, no, pleading with them wouldn't make them lessen the money or give me more time.

I just feel so bad. Things will look up for me and get better soon, but right now, I can't see how they could get much worse.

[WorkInProgress]

Your parents won't think that it's more important for you to pay/keep your medical insurance than to pay them back in full right now?

[lonestar]

You mean your parents expect to be repaid immediately for the money they sent to the IRS? Do they know your situation? Chances are if it's the choice between getting paid in installments or you not having health coverage, I would think most parents would prefer to be paid in installments. See if you can work out the same plan with your parents that you were going to work out with the IRS...

Did you not yet figure out if you actually owed the IRS money or not? I would have found that out last week if I were you. I know they said they'd call you back, but honestly sometimes you gotta really get on top of these things and keep calling. That is the absolute first thing I would do...call them and get an explanation as to why you owed them money, and tell them you need documentation. Threaten them with stop-payment if they do not provide any documentation...

It is critical to know where you stand financially at all times...if someone out of the blue says "you owe me $800", and you don't have any documentation, how do you know they are not mistaken?

[rocket333d]

Your parents won't think that it's more important for you to pay/keep your medical insurance than to pay them back in full right now?

Not really. But then again, I haven't told them I am in such dire straits right now with my insurance. It's just it's coming to the end of my first year with them, which is the time they will cancel if you're even just a bit late.

I don't want to. I'll just get a lecture on how irresponsible I am. I have been doing projects for my mom's work for which she has knocked off $100 from what I owe them anyway. There's one more that should net me another $100, but even doing these things won't take care of my problem.

My birthday's coming up. Maybe I could ask for $100 more knocked off in lieu of a party or presents or anything?

They told me I should work a second job, but I get home at 7 at night and leave at 6 in the morning, and there's no way I'd make enough just on weekends.

I could sell my car, but then they'd have to cart me around...

[WorkInProgress]

Oh, and why did you parents send the money? How did they know exactly where to send it and exactly how much? Did they have your statement? Did they even talk to you about it?

[rocket333d]

Did you not yet figure out if you actually owed the IRS money or not? I would have found that out last week if I were you. I know they said they'd call you back, but honestly sometimes you gotta really get on top of these things and keep calling. That is the absolute first thing I would do...call them and get an explanation as to why you owed them money, and tell them you need documentation. Threaten them with stop-payment if they do not provide any documentation...

Nope. They gave me a ticket number and I kept calling on that all last week (every day, I mean) and they said nothing had been done yet, even though an expedite had been put on it.

It's too late now, anyway. My parents say I was foolish to fight it.

[rocket333d]

Oh, and why did you parents send the money? How did they know exactly where to send it and exactly how much? Did they have your statement? Did they even talk to you about it?

Well, I live with them. They did speak to me about it and I told them what I was doing to fight it. They never said they were just going to send it anyway, but that they thought I should file for an extension because the postmark was so late. (They said today that they never said this... Makes me want to buy a tape recorder...)

[WorkInProgress]

They told me I should work a second job, but I get home at 7 at night and leave at 6 in the morning, and there's no way I'd make enough just on weekends.

Why not? Some places have evening hours. It might be a good idea for the short term, until you get stable again.

Do you have things you could realistically sell on some place like ebay?

[lonestar]

Nope. They gave me a ticket number and I kept calling on that all last week and they said nothing had been done yet, even though an expedite had been put on it.

It's too late now, anyway. My parents say I was foolish to fight it.

No offense, but then you gotta tell them that you don't even know if you owe this money, and that they shouldn't have paid it. You said you don't owe the IRS money right? I would raise bloody hell on the telephone if they sent me a notice saying I owed money even though I didn't, and they had no documentation of it, and they kept giving me the run-around. This is absolutely ridiculous.

Find out where you stand with your debts before paying anything...does the IRS know your parents paid it? Did the check clear? Tell the IRS (fib if you have to to get info out of them) that you will have your parents stop payment on the check unless they provide verification of debt immediately. I don't understand how this can happen...you gotta read the IRS collectors the riot act on this one.

[rocket333d]

Why not? Some places have evening hours. It might be a good idea for the short term, until you get stable again.

Do you have things you could realistically sell on some place like ebay?

Nothing to sell. I have an idea of going back to my old job, where the paperwork is backed up a lot, and I could just work weekends for a little while straightening that place out. But the reason I left is because the boss there would cut my hours at the drop of a hat. That's why I fell behind on my bills in the first place!

I think weekday nights may be out of the question. I rely on the T to get home, and it's incredibly unreliable. Just last week, I got home at 9:30 on two occasions. I was thinking of one of those secret shopper dealies, but that's probably just a pipe dream.

[WorkInProgress]

Nothing to sell. I have an idea of going back to my old job, where the paperwork is backed up a lot, and I could just work weekends for a little while straightening that place out. But the reason I left is because the boss there would cut my hours at the drop of a hat. That's why I fell behind on my bills in the first place!

I think weekday nights may be out of the question. I rely on the T to get home, and it's incredibly unreliable. Just last week, I got home at 9:30 on two occasions. I was thinking of one of those secret shopper dealies, but that's probably just a pipe dream.

Ah, see, I was thinking you relied on your car to get to and from work.

And how will you know what your other employment options might be if you don't go looking?

[rocket333d]

Ah, see, I was thinking you relied on your car to get to and from work.

Well, both. I rely on my car to get me to the train station and the train to get me to work.

I did just find out an hour ago, so it's not like I've been looking very hard yet, and maybe my boss will let me take on more hours on weekends or something. (Not likely, I'm still in temp status...) So I do have options here. Still, working on weekends will mean I'll have to make a LOT of sacrifices for a while...

[WorkInProgress]

Still, working on weekends will mean I'll have to make a LOT of sacrifices for a while...
Well, yes.

[rocket333d]

Well, I just got the bank statements from that time mailed to my house. It took a while, but I called my house and they are there. I'm gonna go over all my deposits and my hours that I know I worked (that I know in my mind anyway, until I can get proof). I'll show my parents what I think is missing, and see if they can put a stop payment on the check. If it's too late, I'll ask for a refund from the IRS.

Still, I think I know what's missing and from when. The thing that throws me off is that my last paystub matches what they said and goes against me. That's why I think I may not get this.

[Aegis]

Why would your PARENTS, of all people, be so harsh with you regarding something like this? Did they forget you're their child?

[rocket333d]

Why would your PARENTS, of all people, be so harsh with you regarding something like this? Did they forget you're their child?

It's not a matter of harshness. It's a matter of they can't really spare that money, but they don't want to see me get in trouble with the IRS. I just wish they had consulted with me before they sent it off.

[kelsi111]

The IRS does offer payment plans. IF you did owe the money, you could have paid it back over time. Your parents took the inititave to pay off the bill WITHOUT talking to you. You live there--it's not like they don't know where you sleep.

It's money YOU owe. Tell your parents to stop the check because you cannot offord to pay one lump sum and you will work it out with the IRS. It sounds like they say that you are immature. Tell them that them taking care of issues in this manner makes you immature. You have to sort out the IRS thing for yourself--not with their help--in order to grow up and be an adult. Use their own logic against them. Also, you never signed anything. You could move out (if you can afford to) and be done with the money the IRS owed. You don't have to pay your parents back for something they were not asked to pay. Now, that's not a good idea because it's stupid to ruin a relationship over money, but still.

The IRS wants their money. They will work out a payment plan with you. Also, legally they have to prove that you owe them that amount. Their inablility to do so is grounds for an extension.

Good luck with the IRS and with your parents. From what you talk about, I'm not sure which is a more formidable opponent. Good luck.