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Transcript

The IRS Says I Owe Taxes I Already Paid - Now What? · Becoming Financially Confident

• 0:37
  Imagine
• 0:38
  this.
• 0:38
  Imagine
• 0:39
  paying
• 0:39
  for
• 0:39
  your
• 0:39
  taxes
• 0:40
  in
• 0:40
  full
• 0:41
  and
• 0:41
  then
• 0:41
  getting
• 0:41
  a
• 0:41
  letter
• 0:42
  saying
• 0:42
  you
• 0:42
  never
• 0:42
  paid
• 0:43
  at
• 0:43
  all.
• 0:44
  On
• 0:44
  today's
• 0:44
  episode,
• 0:45
  I
• 0:45
  talk
• 0:46
  with
• 0:46
  someone
• 0:46
  who's
• 0:46
  suddenly
• 0:47
  facing
• 0:47
  IRS
• 0:48
  penalties,
• 0:49
  IRS
• 0:49
  fees
• 0:50
  and
• 0:50
  warnings
• 0:51
  over
• 0:51
  a
• 0:51
  tax
• 0:51
  bill
• 0:52
  they
• 0:52
  already
• 0:52
  know
• 0:53
  was
• 0:53
  paid.
• 0:54
  And
• 0:54
  now
• 0:54
  they're
• 0:54
  trying
• 0:54
  to
• 0:54
  figure
• 0:55
  out
• 0:55
  whether
• 0:55
  this
• 0:55
  is
• 0:55
  a
• 0:55
  mistake,
• 0:56
  a
• 0:56
  processing
• 0:57
  issue,
• 0:58
  or
• 0:58
  something
• 0:58
  much
• 0:59
  bigger.
• 0:59
  Hey,
• 1:00
  the
• 1:00
  money
• 1:00
  left
• 1:00
  their
• 1:01
  account.
• 1:01
  The
• 1:01
  payment
• 1:01
  was
• 1:02
  submitted,
• 1:02
  but
• 1:03
  now
• 1:03
  the
• 1:03
  IRS
• 1:04
  is
• 1:04
  saying
• 1:04
  they
• 1:04
  still
• 1:04
  owe
• 1:05
  everything
• 1:05
  anyway.
• 1:07
  And
• 1:07
  when
• 1:07
  something
• 1:07
  official
• 1:08
  shows
• 1:08
  up
• 1:08
  in
• 1:08
  the
• 1:08
  mail
• 1:09
  like
• 1:09
  that,
• 1:09
  it
• 1:10
  sends
• 1:10
  your
• 1:10
  mind
• 1:11
  straight
• 1:11
  into
• 1:11
  panic
• 1:12
  mode.
• 1:12
  How
• 1:13
  do
• 1:13
  you
• 1:13
  respond
• 1:13
  wisely
• 1:14
  before
• 1:14
  fear
• 1:15
  convinces
• 1:15
  you
• 1:15
  the
• 1:16
  situation
• 1:16
  is
• 1:16
  worse
• 1:17
  than
• 1:17
  it
• 1:17
  is?
• 1:18
  That's
• 1:18
  what
• 1:18
  I'm
• 1:18
  covering
• 1:19
  on
• 1:19
  today's
• 1:19
  show.
• 1:19
  Going
• 1:20
  to
• 1:20
  be
• 1:20
  a
• 1:20
  real
• 1:20
  practical
• 1:21
  one
• 1:21
  today.
• 1:31
  Hello,
• 1:32
  friend.
• 1:32
  Ralph
• 1:32
  Estep
• 1:33
  Jr.
• 1:33
  Here.
• 1:34
  Welcome
• 1:34
  to
• 1:34
  Financially
• 1:35
  Confident
• 1:35
  Christian,
• 1:36
  where
• 1:37
  every
• 1:37
  day
• 1:37
  we
• 1:37
  work
• 1:37
  to
• 1:38
  break
• 1:38
  that
• 1:38
  cycle
• 1:39
  of
• 1:39
  financial
• 1:39
  shame
• 1:40
  and
• 1:40
  help
• 1:40
  you
• 1:41
  live
• 1:41
  in
• 1:41
  confidence.
• 1:42
  Now
• 1:42
  today
• 1:43
  we're
• 1:43
  going
• 1:43
  to
• 1:43
  talk
• 1:43
  about
• 1:43
  what
• 1:43
  to
• 1:44
  do
• 1:44
  if
• 1:44
  the
• 1:44
  IRS
• 1:45
  says
• 1:45
  you
• 1:45
  owe
• 1:45
  taxes
• 1:46
  that
• 1:46
  you
• 1:46
  doggone
• 1:47
  know
• 1:47
  you
• 1:47
  already
• 1:48
  paid.
• 1:49
  Let's
• 1:49
  get
• 1:49
  into
• 1:49
  today's
• 1:50
  question.
• 1:50
  Listener
• 1:51
  wrote
• 1:51
  this.
• 1:51
  Ralph,
• 1:52
  I
• 1:52
  paid
• 1:53
  my
• 1:53
  federal
• 1:53
  taxes
• 1:54
  through
• 1:54
  the
• 1:54
  IRS
• 1:55
  payment
• 1:55
  portal.
• 1:55
  Now,
• 1:56
  before
• 1:56
  I
• 1:56
  get
• 1:56
  too
• 1:56
  much
• 1:57
  further,
• 1:57
  that
• 1:57
  is
• 1:57
  a
• 1:58
  great
• 1:58
  way
• 1:58
  to
• 1:58
  do
• 1:58
  it.
• 1:59
  I
• 2:00
  don't
• 2:00
  send
• 2:00
  checks.
• 2:01
  If
• 2:01
  we
• 2:01
  file
• 2:02
  your
• 2:02
  tax
• 2:02
  return,
• 2:03
  have
• 2:03
  the
• 2:03
  payment
• 2:03
  come
• 2:04
  out
• 2:04
  electronically
• 2:04
  or
• 2:04
  go
• 2:05
  to
• 2:05
  irs.gov
• 2:06
  and
• 2:06
  do
• 2:06
  it.
• 2:06
  I'm
• 2:06
  going
• 2:06
  to
• 2:06
  just
• 2:06
  interrupt
• 2:07
  that
• 2:07
  right
• 2:07
  now
• 2:07
  because
• 2:08
  that
• 2:08
  is
• 2:08
  a
• 2:08
  great
• 2:09
  way
• 2:09
  to
• 2:09
  do
• 2:09
  it
• 2:09
  because
• 2:09
  then
• 2:10
  you
• 2:10
  can
• 2:10
  prove
• 2:10
  you
• 2:10
  made
• 2:10
  the
• 2:10
  payment.
• 2:11
  But
• 2:11
  let's
• 2:11
  continue.
• 2:12
  Listener
• 2:13
  says
• 2:13
  this
• 2:13
  now,
• 2:13
  I
• 2:13
  received
• 2:14
  a
• 2:14
  letter
• 2:14
  saying
• 2:14
  I
• 2:15
  still
• 2:15
  owe
• 2:15
  the
• 2:15
  full
• 2:16
  amount.
• 2:16
  Plus,
• 2:16
  Ralph,
• 2:17
  they've
• 2:17
  added
• 2:17
  fees
• 2:17
  and
• 2:17
  penalties.
• 2:19
  My
• 2:19
  records
• 2:19
  show
• 2:19
  the
• 2:20
  payment
• 2:20
  was
• 2:20
  sent,
• 2:21
  the
• 2:21
  money
• 2:21
  left
• 2:21
  my
• 2:22
  account
• 2:22
  and
• 2:23
  it
• 2:23
  never
• 2:23
  bounced
• 2:23
  back.
• 2:24
  I
• 2:25
  know
• 2:25
  I
• 2:25
  paid
• 2:26
  it,
• 2:26
  but
• 2:26
  I
• 2:27
  can't
• 2:27
  get
• 2:27
  into
• 2:27
  the
• 2:27
  IRS
• 2:28
  system
• 2:28
  right
• 2:28
  now
• 2:28
  to
• 2:28
  check
• 2:29
  what
• 2:29
  happened.
• 2:30
  What
• 2:30
  should
• 2:30
  I
• 2:31
  do
• 2:31
  next?
• 2:33
  This
• 2:33
  is
• 2:33
  a
• 2:33
  question
• 2:33
  that
• 2:34
  I
• 2:34
  get
• 2:34
  frequently,
• 2:35
  because
• 2:36
  when
• 2:36
  the
• 2:36
  IRS
• 2:36
  sends
• 2:37
  a
• 2:37
  notice,
• 2:38
  even
• 2:38
  when
• 2:38
  it
• 2:38
  appears
• 2:39
  wrong,
• 2:40
  you
• 2:40
  still
• 2:40
  panic,
• 2:41
  right,
• 2:41
  Everybody?
• 2:41
  Oh,
• 2:41
  a
• 2:41
  letter
• 2:42
  from
• 2:42
  the
• 2:42
  irs.
• 2:42
  What
• 2:42
  do
• 2:43
  I
• 2:43
  do?
• 2:44
  But
• 2:44
  that's
• 2:44
  not
• 2:44
  the
• 2:44
  place
• 2:44
  to
• 2:45
  start.
• 2:45
  The
• 2:45
  goal
• 2:45
  here
• 2:46
  is
• 2:46
  documentation.
• 2:47
  Pursed
• 2:48
  panic
• 2:48
  never.
• 2:49
  Let's
• 2:49
  talk
• 2:50
  about
• 2:50
  how
• 2:50
  to
• 2:50
  resolve
• 2:51
  this
• 2:51
  in
• 2:51
  the
• 2:51
  best
• 2:52
  way
• 2:52
  today.
• 2:53
  Number
• 2:53
  one
• 2:53
  thing,
• 2:54
  don't
• 2:55
  assume
• 2:55
  the
• 2:55
  notice
• 2:56
  is
• 2:56
  finally,
• 2:58
  one
• 2:58
  of
• 2:58
  the
• 2:58
  things
• 2:58
  the
• 2:58
  IRS
• 2:59
  has
• 2:59
  a
• 2:59
  bad
• 2:59
  job
• 3:00
  of
• 3:00
  doing
• 3:00
  is
• 3:00
  notices
• 3:01
  crossed
• 3:01
  in
• 3:01
  the
• 3:02
  mail.
• 3:03
  They
• 3:03
  may
• 3:03
  have
• 3:03
  sent
• 3:03
  this
• 3:04
  notice
• 3:04
  because
• 3:04
  something
• 3:04
  happened
• 3:05
  on
• 3:05
  their
• 3:05
  processing
• 3:06
  system
• 3:06
  before
• 3:06
  your
• 3:07
  payment
• 3:07
  hit
• 3:07
  or
• 3:08
  anything
• 3:08
  like
• 3:08
  that.
• 3:08
  The
• 3:09
  truth
• 3:09
  is,
• 3:09
  with
• 3:09
  the
• 3:09
  irs,
• 3:10
  processing
• 3:11
  delays
• 3:11
  happen.
• 3:12
  Timing
• 3:13
  issues
• 3:13
  happen.
• 3:14
  Administrative
• 3:15
  errors
• 3:15
  happen.
• 3:16
  So
• 3:16
  don't
• 3:16
  assume
• 3:17
  this
• 3:17
  is
• 3:17
  final.
• 3:18
  They're
• 3:18
  not
• 3:18
  going
• 3:19
  to
• 3:19
  come
• 3:19
  lock
• 3:19
  you
• 3:19
  up.
• 3:19
  They're
• 3:20
  not
• 3:20
  going
• 3:20
  to
• 3:20
  throw
• 3:20
  you
• 3:20
  in
• 3:20
  jail
• 3:21
  and
• 3:21
  throw
• 3:21
  away
• 3:21
  the
• 3:21
  key.
• 3:22
  They're
• 3:22
  not
• 3:22
  going
• 3:22
  to
• 3:22
  take
• 3:22
  everything
• 3:23
  away
• 3:23
  from
• 3:23
  you.
• 3:24
  This
• 3:24
  sounds
• 3:24
  like
• 3:24
  to
• 3:25
  me
• 3:25
  like
• 3:25
  it's
• 3:25
  an
• 3:25
  initial
• 3:26
  notice.
• 3:26
  Don't
• 3:27
  panic
• 3:27
  about
• 3:27
  it.
• 3:27
  And
• 3:28
  that's
• 3:28
  not
• 3:28
  meaning
• 3:28
  you
• 3:28
  don't
• 3:28
  let
• 3:29
  it,
• 3:29
  that
• 3:29
  you
• 3:29
  let
• 3:29
  it
• 3:29
  go,
• 3:29
  but
• 3:30
  don't
• 3:30
  panic
• 3:30
  about
• 3:30
  it.
• 3:31
  First
• 3:31
  thing
• 3:31
  I'd
• 3:31
  encourage
• 3:32
  you
• 3:32
  to
• 3:32
  do
• 3:32
  is
• 3:33
  gather
• 3:33
  proof
• 3:33
  of
• 3:34
  payment.
• 3:34
  You've
• 3:34
  already
• 3:34
  started
• 3:35
  to
• 3:35
  do
• 3:35
  this.
• 3:36
  Get
• 3:36
  that
• 3:36
  payment
• 3:37
  confirmation
• 3:37
  number.
• 3:38
  If
• 3:38
  your
• 3:38
  bank
• 3:39
  gives
• 3:39
  a
• 3:39
  canceled
• 3:40
  check,
• 3:40
  if
• 3:40
  there's
• 3:40
  something
• 3:41
  on
• 3:41
  the
• 3:41
  statement
• 3:41
  that
• 3:42
  shows
• 3:42
  that
• 3:42
  payment
• 3:42
  left
• 3:43
  your
• 3:43
  account,
• 3:43
  that
• 3:43
  it
• 3:43
  went
• 3:43
  to
• 3:44
  the
• 3:44
  irs,
• 3:44
  start
• 3:45
  there.
• 3:46
  You
• 3:46
  can
• 3:46
  screenshot
• 3:47
  that
• 3:48
  copy
• 3:48
  of
• 3:48
  all
• 3:49
  the
• 3:49
  things
• 3:49
  you
• 3:49
  got
• 3:49
  that.
• 3:50
  Get
• 3:50
  the
• 3:50
  copy
• 3:50
  of
• 3:51
  the
• 3:51
  notice
• 3:51
  you
• 3:51
  received.
• 3:51
  Start
• 3:52
  to
• 3:52
  assemble
• 3:52
  all
• 3:52
  that
• 3:53
  stuff
• 3:53
  into
• 3:54
  a
• 3:54
  folder.
• 3:54
  Start
• 3:55
  to
• 3:55
  build
• 3:55
  that
• 3:55
  file.
• 3:56
  Next
• 3:56
  thing
• 3:56
  I
• 3:56
  want
• 3:56
  you
• 3:57
  to
• 3:57
  do
• 3:57
  is
• 3:57
  contact
• 3:58
  the
• 3:58
  IRS
• 3:58
  directly.
• 3:59
  Sounds
• 3:59
  like
• 3:59
  you're
• 4:00
  already
• 4:00
  starting
• 4:00
  to
• 4:00
  do
• 4:00
  that.
• 4:01
  Go
• 4:01
  to
• 4:01
  IRS.gov,
• 4:02
  set
• 4:03
  up
• 4:03
  an
• 4:03
  account.
• 4:03
  When
• 4:04
  you
• 4:04
  set
• 4:04
  up
• 4:04
  that
• 4:04
  account
• 4:04
  on
• 4:05
  iris
• 4:05
  Gov,
• 4:05
  it's
• 4:06
  going
• 4:06
  to
• 4:06
  take
• 4:06
  you
• 4:06
  a
• 4:06
  little
• 4:06
  bit
• 4:06
  of
• 4:06
  time
• 4:07
  because
• 4:07
  they
• 4:07
  use
• 4:07
  something
• 4:07
  called
• 4:08
  ID
• 4:08
  Me.
• 4:09
  It's
• 4:09
  something
• 4:09
  I
• 4:10
  recommend
• 4:10
  every
• 4:11
  taxpayer
• 4:11
  have.
• 4:11
  It's
• 4:12
  sort
• 4:12
  of
• 4:12
  like
• 4:12
  your
• 4:12
  bank
• 4:12
  account
• 4:13
  with
• 4:13
  the
• 4:13
  irs.
• 4:14
  But
• 4:15
  go
• 4:15
  do
• 4:15
  that
• 4:15
  first.
• 4:15
  Now
• 4:16
  it
• 4:16
  sounds
• 4:16
  like
• 4:16
  from
• 4:16
  when
• 4:16
  you
• 4:17
  wrote
• 4:17
  this,
• 4:17
  maybe
• 4:17
  their
• 4:17
  system
• 4:18
  was
• 4:18
  down
• 4:18
  or
• 4:18
  there
• 4:19
  was
• 4:19
  some
• 4:19
  kind
• 4:19
  of
• 4:19
  issue.
• 4:19
  So
• 4:20
  first
• 4:20
  place
• 4:20
  to
• 4:21
  is
• 4:21
  start
• 4:21
  there.
• 4:22
  Use
• 4:22
  the
• 4:22
  number
• 4:23
  on
• 4:23
  the
• 4:23
  notice.
• 4:23
  If
• 4:24
  you
• 4:24
  don't
• 4:24
  have
• 4:24
  an
• 4:24
  IRS
• 4:25
  number,
• 4:25
  IRS.gov
• 4:26
  account,
• 4:26
  give
• 4:27
  them
• 4:27
  a
• 4:27
  call.
• 4:27
  They
• 4:28
  want
• 4:28
  to
• 4:28
  resolve
• 4:29
  your
• 4:29
  problem.
• 4:30
  Reference
• 4:30
  that
• 4:30
  notice
• 4:31
  specifically.
• 4:32
  Ask
• 4:32
  them
• 4:33
  to
• 4:33
  trace
• 4:33
  the
• 4:33
  payment.
• 4:34
  But
• 4:34
  here's
• 4:34
  the
• 4:35
  thing.
• 4:35
  Document
• 4:36
  who
• 4:36
  you
• 4:36
  speak
• 4:36
  with.
• 4:37
  Everybody
• 4:38
  that
• 4:38
  works
• 4:38
  at
• 4:38
  the
• 4:39
  IRS
• 4:39
  has
• 4:39
  a
• 4:39
  name
• 4:40
  and
• 4:40
  a
• 4:40
  badge
• 4:41
  number.
• 4:41
  I'll
• 4:41
  give
• 4:41
  you
• 4:41
  a
• 4:41
  little
• 4:41
  funny
• 4:42
  one
• 4:42
  here.
• 4:42
  I
• 4:42
  don't
• 4:43
  know
• 4:43
  about
• 4:43
  you,
• 4:43
  but
• 4:43
  I
• 4:43
  get
• 4:43
  a
• 4:43
  lot
• 4:44
  of
• 4:44
  these
• 4:44
  scammer
• 4:44
  calls.
• 4:45
  People
• 4:45
  say,
• 4:46
  I'm
• 4:46
  such
• 4:46
  and
• 4:46
  such
• 4:47
  from
• 4:47
  the
• 4:47
  irs.
• 4:48
  You,
• 4:48
  you
• 4:48
  want
• 4:48
  to
• 4:48
  get
• 4:48
  off
• 4:48
  the
• 4:49
  phone
• 4:49
  with
• 4:49
  them
• 4:49
  really
• 4:49
  quickly,
• 4:50
  here's
• 4:50
  what
• 4:50
  you
• 4:50
  do.
• 4:50
  Listen
• 4:50
  to
• 4:50
  what
• 4:51
  they
• 4:51
  say
• 4:51
  and
• 4:51
  then
• 4:51
  say
• 4:52
  to
• 4:52
  them,
• 4:52
  oh,
• 4:52
  that's
• 4:53
  fantastic.
• 4:53
  Can
• 4:54
  you
• 4:54
  tell
• 4:54
  me
• 4:54
  your
• 4:54
  IRS
• 4:55
  ID
• 4:55
  number?
• 4:56
  Because
• 4:57
  when
• 4:57
  you
• 4:57
  do
• 4:57
  that,
• 4:57
  you
• 4:57
  hear
• 4:58
  click,
• 4:58
  they're
• 4:58
  done.
• 4:59
  Because
• 4:59
  they
• 4:59
  don't
• 4:59
  have
• 5:00
  that.
• 5:00
  Every
• 5:01
  person
• 5:01
  you
• 5:01
  talk
• 5:02
  at
• 5:02
  the
• 5:02
  IRS
• 5:02
  has
• 5:03
  to
• 5:03
  give
• 5:03
  you
• 5:03
  their
• 5:03
  name
• 5:04
  and
• 5:04
  their
• 5:04
  IRS
• 5:05
  ID
• 5:05
  number.
• 5:06
  So
• 5:06
  make
• 5:06
  sure
• 5:06
  you're
• 5:07
  keeping
• 5:07
  track
• 5:07
  of
• 5:07
  that.
• 5:08
  But
• 5:08
  here's
• 5:08
  the
• 5:09
  thing.
• 5:09
  Don't
• 5:09
  ignore
• 5:10
  the
• 5:10
  notice.
• 5:10
  Don't
• 5:11
  just
• 5:11
  assume,
• 5:11
  well,
• 5:12
  I
• 5:12
  know
• 5:12
  I
• 5:13
  paid
• 5:13
  this.
• 5:13
  I,
• 5:13
  I'm
• 5:14
  just
• 5:14
  going
• 5:14
  to
• 5:14
  chuck
• 5:14
  it
• 5:14
  in
• 5:14
  the
• 5:14
  trash.
• 5:15
  Even
• 5:16
  if
• 5:16
  the
• 5:16
  Notice
• 5:17
  is
• 5:17
  wrong,
• 5:18
  unfortunately,
• 5:19
  you've
• 5:19
  got
• 5:19
  to
• 5:20
  respond
• 5:20
  to
• 5:20
  it
• 5:20
  promptly.
• 5:21
  If
• 5:22
  you
• 5:22
  don't,
• 5:22
  that
• 5:22
  delayed
• 5:23
  response
• 5:23
  can
• 5:23
  create
• 5:24
  more
• 5:24
  complications
• 5:25
  down
• 5:25
  the
• 5:25
  road.
• 5:25
  But
• 5:26
  that
• 5:26
  timely
• 5:26
  action
• 5:27
  will
• 5:27
  protect
• 5:27
  you.
• 5:28
  I
• 5:28
  know
• 5:28
  it's
• 5:29
  frustrating.
• 5:29
  You're
• 5:29
  like,
• 5:30
  wait
• 5:30
  a
• 5:30
  minute,
• 5:30
  Ralph,
• 5:30
  I
• 5:31
  know
• 5:31
  this
• 5:31
  is
• 5:31
  paid.
• 5:31
  I
• 5:32
  can
• 5:32
  prove
• 5:32
  it.
• 5:32
  Really
• 5:33
  simple
• 5:33
  thing
• 5:33
  to
• 5:33
  do.
• 5:34
  Go
• 5:34
  check
• 5:34
  irs.gov.
• 5:35
  If
• 5:35
  you
• 5:36
  can't
• 5:36
  get
• 5:36
  on
• 5:36
  there
• 5:36
  and
• 5:36
  it's
• 5:37
  not
• 5:37
  processed,
• 5:37
  write
• 5:38
  them
• 5:38
  a
• 5:38
  simple
• 5:38
  letter.
• 5:39
  Put
• 5:39
  all
• 5:40
  your
• 5:40
  documentation
• 5:40
  in
• 5:41
  place,
• 5:41
  send
• 5:41
  it
• 5:41
  to
• 5:41
  them.
• 5:42
  Now.
• 5:42
  There's
• 5:42
  also
• 5:43
  an
• 5:43
  escalation
• 5:43
  path.
• 5:44
  I
• 5:44
  want
• 5:44
  to
• 5:44
  talk
• 5:44
  a
• 5:45
  little
• 5:45
  bit
• 5:45
  about
• 5:45
  this.
• 5:46
  There's
• 5:46
  an
• 5:46
  organization
• 5:47
  that's
• 5:48
  in
• 5:48
  the
• 5:48
  IRS
• 5:49
  but
• 5:49
  sits
• 5:49
  on
• 5:49
  the
• 5:49
  outside
• 5:50
  of
• 5:50
  the
• 5:50
  irs.
• 5:51
  It's
• 5:51
  called
• 5:51
  the
• 5:51
  Taxpayers
• 5:52
  Advocate
• 5:53
  Service.
• 5:53
  If
• 5:54
  you're
• 5:54
  not
• 5:54
  getting
• 5:54
  resolution
• 5:55
  with
• 5:55
  the
• 5:56
  irs,
• 5:56
  if
• 5:56
  you've
• 5:57
  asked
• 5:57
  for
• 5:57
  payment
• 5:57
  traces,
• 5:58
  you've
• 5:58
  called,
• 5:59
  you've
• 5:59
  documented
• 6:00
  that
• 6:00
  if
• 6:01
  it's
• 6:01
  still
• 6:01
  persisting,
• 6:02
  you
• 6:02
  can
• 6:02
  file
• 6:03
  what's
• 6:03
  called
• 6:03
  a
• 6:03
  form
• 6:03
  911.
• 6:04
  Kind
• 6:05
  of
• 6:05
  cool
• 6:05
  you
• 6:05
  think
• 6:05
  about
• 6:05
  the
• 6:05
  US
• 6:06
  system
• 6:06
  called
• 6:06
  9
• 6:06
  11.
• 6:07
  This
• 6:07
  is
• 6:07
  what
• 6:07
  the
• 6:07
  IRS
• 6:08
  did.
• 6:08
  But
• 6:09
  you
• 6:09
  can
• 6:09
  ask
• 6:09
  for
• 6:09
  taxpayers
• 6:10
  Advocate
• 6:11
  Assistant.
• 6:12
  You
• 6:12
  fill
• 6:12
  out
• 6:12
  this
• 6:12
  form.
• 6:13
  You
• 6:13
  tell
• 6:13
  them
• 6:13
  what's
• 6:13
  going
• 6:13
  on.
• 6:14
  You
• 6:14
  tell
• 6:14
  them
• 6:14
  the
• 6:14
  normal
• 6:15
  channels
• 6:15
  that
• 6:15
  you
• 6:15
  work
• 6:15
  with
• 6:16
  through
• 6:16
  the
• 6:16
  irs.
• 6:16
  Now,
• 6:17
  listen
• 6:17
  to
• 6:17
  me.
• 6:17
  You're
• 6:18
  going
• 6:18
  to
• 6:18
  have
• 6:18
  to
• 6:18
  show
• 6:19
  that
• 6:19
  you've
• 6:19
  tried
• 6:19
  to
• 6:20
  resolve
• 6:20
  this
• 6:20
  through
• 6:20
  normal
• 6:21
  channels.
• 6:22
  So
• 6:22
  make
• 6:23
  sure
• 6:23
  you
• 6:23
  have
• 6:23
  your
• 6:23
  documentation
• 6:24
  ready.
• 6:24
  But
• 6:24
  I
• 6:24
  do
• 6:25
  these
• 6:25
  all
• 6:25
  the
• 6:25
  time.
• 6:26
  If
• 6:26
  they
• 6:26
  take
• 6:27
  your
• 6:27
  case,
• 6:27
  which
• 6:27
  most
• 6:27
  of
• 6:28
  the
• 6:28
  time
• 6:28
  they
• 6:28
  will,
• 6:29
  they're
• 6:29
  going
• 6:29
  to
• 6:29
  have
• 6:30
  an
• 6:30
  advocate
• 6:30
  reach
• 6:30
  out
• 6:31
  and
• 6:31
  say,
• 6:31
  okay,
• 6:31
  tell
• 6:31
  us
• 6:32
  what's
• 6:32
  going
• 6:32
  on
• 6:32
  in
• 6:33
  that
• 6:33
  911
• 6:34
  form.
• 6:34
  It'll
• 6:35
  actually
• 6:35
  ask
• 6:35
  you
• 6:36
  what's
• 6:36
  going
• 6:36
  on.
• 6:36
  What
• 6:37
  is
• 6:37
  the
• 6:37
  resolution
• 6:38
  you
• 6:38
  want?
• 6:38
  That's
• 6:38
  what
• 6:38
  they
• 6:38
  try
• 6:39
  to
• 6:39
  do,
• 6:39
  is
• 6:39
  they
• 6:40
  try
• 6:40
  to
• 6:40
  get
• 6:40
  to
• 6:40
  that
• 6:40
  resolution.
• 6:41
  So
• 6:41
  once
• 6:41
  you've
• 6:41
  tried
• 6:42
  all
• 6:42
  those
• 6:42
  things,
• 6:42
  you've
• 6:43
  exhausted
• 6:43
  all
• 6:43
  those
• 6:43
  things.
• 6:44
  Go
• 6:44
  file
• 6:45
  with
• 6:45
  the
• 6:45
  Taxpayer's
• 6:46
  Advocate.
• 6:46
  They
• 6:46
  also
• 6:47
  have
• 6:47
  a
• 6:47
  number
• 6:47
  you
• 6:47
  can
• 6:48
  call
• 6:48
  if
• 6:48
  you'd
• 6:48
  rather
• 6:48
  do
• 6:48
  it
• 6:48
  that
• 6:49
  way.
• 6:49
  But
• 6:49
  that
• 6:49
  is
• 6:50
  the
• 6:50
  escalation
• 6:51
  path.
• 6:52
  But
• 6:52
  I
• 6:52
  want
• 6:52
  to
• 6:52
  take
• 6:52
  this
• 6:53
  a
• 6:53
  little
• 6:53
  deeper
• 6:53
  now,
• 6:54
  because
• 6:55
  what
• 6:55
  might
• 6:55
  be
• 6:55
  hitting
• 6:55
  you
• 6:56
  the
• 6:56
  hardest
• 6:56
  is
• 6:56
  the
• 6:57
  feeling
• 6:57
  that
• 6:57
  you
• 6:57
  did
• 6:57
  everything
• 6:58
  right.
• 6:58
  I
• 6:58
  heard
• 6:59
  you
• 6:59
  say,
• 6:59
  you're
• 6:59
  like,
• 6:59
  ralph,
• 7:00
  I
• 7:00
  filed
• 7:00
  my
• 7:00
  taxes,
• 7:01
  I
• 7:01
  paid
• 7:01
  the
• 7:01
  taxes.
• 7:02
  The
• 7:02
  money
• 7:02
  came
• 7:03
  out
• 7:03
  of
• 7:03
  my
• 7:03
  account.
• 7:04
  So
• 7:04
  I.
• 7:04
  But
• 7:04
  now
• 7:04
  you're
• 7:04
  still
• 7:05
  being
• 7:05
  told
• 7:05
  it
• 7:05
  wasn't
• 7:06
  enough.
• 7:07
  And
• 7:07
  that's
• 7:07
  frustrating.
• 7:08
  I
• 7:08
  get
• 7:08
  it.
• 7:09
  It's
• 7:09
  unfair.
• 7:10
  That's
• 7:10
  true.
• 7:12
  But
• 7:12
  the
• 7:12
  thing
• 7:12
  is,
• 7:13
  God
• 7:13
  doesn't
• 7:13
  see
• 7:13
  it
• 7:14
  like
• 7:14
  that.
• 7:15
  An
• 7:15
  administrative
• 7:16
  mistake
• 7:16
  doesn't
• 7:17
  erase
• 7:17
  your
• 7:17
  faithfulness.
• 7:19
  God
• 7:19
  sees
• 7:19
  all
• 7:20
  this.
• 7:21
  So
• 7:21
  during
• 7:21
  this
• 7:22
  process,
• 7:22
  ask
• 7:22
  him
• 7:22
  to
• 7:23
  help
• 7:23
  you,
• 7:23
  ask
• 7:23
  him
• 7:23
  to
• 7:23
  steady
• 7:24
  you
• 7:24
  and
• 7:24
  help
• 7:24
  you
• 7:25
  to
• 7:25
  be
• 7:25
  patient
• 7:26
  while
• 7:26
  you
• 7:26
  sort
• 7:26
  out
• 7:27
  things
• 7:27
  that
• 7:27
  you
• 7:27
  know
• 7:27
  are
• 7:27
  true.
• 7:28
  Because
• 7:28
  trust
• 7:28
  me,
• 7:28
  I
• 7:28
  deal
• 7:29
  with
• 7:29
  the
• 7:29
  iris
• 7:29
  almost
• 7:30
  every
• 7:30
  day.
• 7:31
  It
• 7:31
  is
• 7:31
  frustrating.
• 7:32
  I
• 7:32
  totally
• 7:33
  get
• 7:33
  it.
• 7:35
  But
• 7:35
  a
• 7:35
  wrong
• 7:35
  notice
• 7:36
  is
• 7:36
  a
• 7:36
  problem
• 7:36
  to
• 7:37
  solve,
• 7:37
  not
• 7:38
  a
• 7:38
  verdict
• 7:38
  to
• 7:38
  fear.
• 7:38
  This
• 7:39
  isn't
• 7:39
  some
• 7:39
  you've
• 7:40
  been
• 7:40
  locked
• 7:40
  away
• 7:40
  and
• 7:40
  they
• 7:41
  threw
• 7:41
  away
• 7:41
  the
• 7:41
  key.
• 7:41
  This
• 7:42
  is
• 7:42
  just
• 7:42
  something
• 7:42
  you
• 7:42
  got
• 7:43
  to
• 7:43
  work
• 7:43
  through.
• 7:43
  It
• 7:43
  might
• 7:43
  take
• 7:44
  a
• 7:44
  little
• 7:44
  time,
• 7:45
  but
• 7:45
  you
• 7:45
  will
• 7:45
  eventually
• 7:46
  get
• 7:46
  through
• 7:47
  it.
• 7:47
  So
• 7:47
  here's
• 7:47
  your
• 7:48
  win
• 7:48
  for
• 7:48
  today
• 7:49
  when
• 7:49
  encourage
• 7:49
  if
• 7:49
  you're
• 7:50
  dealing
• 7:50
  with
• 7:50
  this
• 7:50
  situation,
• 7:51
  put
• 7:52
  all
• 7:52
  your
• 7:52
  documentation
• 7:53
  into
• 7:53
  a
• 7:53
  single
• 7:54
  folder.
• 7:54
  Keep
• 7:54
  proof
• 7:55
  of
• 7:55
  payment,
• 7:55
  all
• 7:56
  the
• 7:56
  communication.
• 7:57
  Make
• 7:57
  the
• 7:57
  case
• 7:58
  easy
• 7:58
  to
• 7:58
  reference
• 7:59
  because
• 7:59
  if
• 7:59
  you
• 7:59
  have
• 7:59
  to
• 8:00
  escalate
• 8:00
  to
• 8:00
  that
• 8:01
  Form
• 8:01
  911
• 8:01
  through
• 8:02
  the
• 8:02
  Taxpayer's
• 8:02
  Advocate.
• 8:03
  It's
• 8:03
  really
• 8:03
  nice
• 8:04
  when
• 8:04
  you
• 8:04
  can
• 8:04
  make
• 8:04
  a
• 8:04
  photocopy
• 8:05
  of
• 8:05
  all
• 8:05
  your
• 8:05
  stuff
• 8:05
  and
• 8:06
  say,
• 8:06
  here's
• 8:06
  all
• 8:06
  the
• 8:06
  things
• 8:07
  I
• 8:07
  did,
• 8:07
  here's
• 8:08
  the
• 8:08
  dates,
• 8:08
  here's
• 8:08
  the
• 8:08
  person
• 8:09
  I
• 8:09
  talked
• 8:09
  to,
• 8:09
  here's
• 8:10
  what
• 8:10
  I
• 8:10
  asked
• 8:10
  them
• 8:10
  to
• 8:11
  do,
• 8:11
  here's
• 8:11
  all
• 8:11
  the
• 8:12
  proof.
• 8:12
  Let's
• 8:13
  get
• 8:13
  to
• 8:13
  Our
• 8:13
  Bible
• 8:13
  verse
• 8:14
  today
• 8:14
  comes
• 8:15
  to
• 8:15
  us
• 8:15
  from
• 8:15
  the
• 8:15
  Book
• 8:15
  of
• 8:15
  Psalms,
• 8:16
  chapter
• 8:16
  37,
• 8:17
  verse
• 8:17
  5.
• 8:18
  It
• 8:18
  says,
• 8:19
  Commit
• 8:19
  your
• 8:19
  way
• 8:19
  to
• 8:19
  the
• 8:20
  Lord,
• 8:20
  trust
• 8:21
  in
• 8:21
  him
• 8:21
  and
• 8:22
  he
• 8:22
  will
• 8:23
  do
• 8:23
  this.
• 8:24
  I
• 8:24
  get
• 8:25
  it.
• 8:25
  Frustrating
• 8:26
  situations
• 8:27
  can
• 8:27
  be
• 8:27
  handled
• 8:28
  with
• 8:28
  peace,
• 8:29
  with
• 8:29
  trust
• 8:29
  and
• 8:30
  patience
• 8:30
  and
• 8:31
  steady
• 8:31
  action.
• 8:31
  And
• 8:32
  that's
• 8:32
  really
• 8:32
  what
• 8:32
  our
• 8:32
  Bible
• 8:32
  verse
• 8:33
  tells
• 8:33
  us
• 8:33
  today.
• 8:34
  Let's
• 8:35
  pray
• 8:35
  together.
• 8:36
  Heavenly
• 8:36
  Father,
• 8:36
  I
• 8:37
  just
• 8:37
  want
• 8:37
  to
• 8:37
  lift
• 8:37
  up
• 8:37
  the
• 8:38
  person
• 8:38
  dealing
• 8:38
  with
• 8:39
  this
• 8:39
  stressful
• 8:39
  situation
• 8:40
  and
• 8:41
  you
• 8:41
  see
• 8:41
  the
• 8:41
  frustration
• 8:42
  they
• 8:42
  feel
• 8:42
  after
• 8:43
  doing
• 8:43
  what
• 8:43
  they
• 8:44
  supposed
• 8:44
  to
• 8:44
  do
• 8:44
  and
• 8:45
  still
• 8:45
  face
• 8:45
  confusion.
• 8:46
  They
• 8:47
  did
• 8:47
  all
• 8:47
  the
• 8:47
  right
• 8:47
  things
• 8:48
  ordinarily.
• 8:48
  Wait
• 8:49
  a
• 8:49
  minute,
• 8:49
  why
• 8:49
  is
• 8:49
  this
• 8:49
  not
• 8:49
  working?
• 8:51
  So
• 8:51
  give
• 8:51
  them
• 8:51
  patience,
• 8:52
  Lord,
• 8:52
  give
• 8:53
  them
• 8:53
  peace
• 8:53
  and
• 8:54
  give
• 8:54
  them
• 8:54
  perseverance
• 8:55
  as
• 8:55
  they
• 8:55
  work
• 8:56
  through
• 8:56
  this.
• 8:57
  Above
• 8:58
  all
• 8:58
  things,
• 8:58
  Lord,
• 8:58
  help
• 8:59
  them
• 8:59
  to
• 8:59
  stay
• 8:59
  calm,
• 9:00
  help
• 9:00
  them
• 9:00
  to
• 9:00
  stay
• 9:01
  organized,
• 9:01
  and
• 9:02
  help
• 9:02
  them
• 9:02
  to
• 9:02
  stay
• 9:02
  steady
• 9:03
  in
• 9:03
  every
• 9:04
  step.
• 9:05
  And
• 9:05
  Lord,
• 9:05
  we
• 9:05
  just
• 9:05
  ask
• 9:06
  that
• 9:06
  you
• 9:06
  would
• 9:06
  bring
• 9:06
  resolution
• 9:07
  quickly
• 9:08
  and
• 9:08
  remind
• 9:08
  them
• 9:09
  that
• 9:09
  the
• 9:09
  problem
• 9:09
  is
• 9:10
  manageable
• 9:11
  one
• 9:11
  step
• 9:11
  at
• 9:11
  a
• 9:12
  time.
• 9:12
  And
• 9:12
  we
• 9:13
  ask
• 9:13
  this
• 9:13
  in
• 9:13
  Jesus
• 9:14
  name.
• 9:15
  Amen
• 9:17
  friend.
• 9:17
  A
• 9:17
  frustrating
• 9:18
  notice
• 9:18
  doesn't
• 9:18
  mean
• 9:19
  disaster,
• 9:20
  it
• 9:20
  just
• 9:21
  means
• 9:21
  documentation
• 9:22
  and
• 9:22
  follow
• 9:22
  up.
• 9:23
  And
• 9:24
  maybe
• 9:24
  you've
• 9:24
  got
• 9:24
  a
• 9:24
  tax
• 9:24
  situation
• 9:25
  just
• 9:25
  like
• 9:26
  this.
• 9:26
  Let
• 9:26
  me
• 9:26
  hear
• 9:26
  about
• 9:27
  it.
• 9:27
  This
• 9:27
  is
• 9:27
  what
• 9:27
  I
• 9:27
  I'm
• 9:28
  a
• 9:28
  tax
• 9:28
  expert.
• 9:28
  I've
• 9:29
  been
• 9:29
  doing
• 9:29
  tax
• 9:29
  work
• 9:30
  since
• 9:30
  I
• 9:30
  was
• 9:30
  8
• 9:31
  years
• 9:31
  old
• 9:31
  and
• 9:32
  I'm
• 9:32
  53.
• 9:32
  So
• 9:33
  guess
• 9:33
  what?
• 9:33
  That's
• 9:33
  a
• 9:33
  lot
• 9:33
  of
• 9:34
  years.
• 9:34
  But
• 9:35
  if
• 9:35
  you're
• 9:35
  working
• 9:35
  through
• 9:35
  something,
• 9:36
  leave
• 9:36
  me
• 9:36
  a
• 9:36
  voicemail
• 9:37
  question
• 9:37
  you
• 9:38
  can
• 9:38
  go
• 9:38
  to
• 9:38
  financiallyconfidentchristian.com/voicemail
• 9:42
  Again,
• 9:43
  that's
• 9:43
  financiallyconfidentchristian.com/voicemail.
• 9:47
  And
• 9:47
  hey,
• 9:47
  you
• 9:48
  know
• 9:48
  what
• 9:48
  else
• 9:48
  you
• 9:48
  can
• 9:48
  do?
• 9:48
  You
• 9:48
  can
• 9:49
  join
• 9:49
  us.
• 9:49
  Every
• 9:50
  Friday
• 9:50
  we
• 9:50
  go
• 9:51
  live
• 9:51
  at
• 9:52
  1pm
• 9:52
  Eastern
• 9:53
  time.
• 9:53
  You
• 9:54
  can
• 9:54
  go
• 9:54
  to
• 9:54
  financiallyconfidentchristian.com/fcclive
• 9:57
  and
• 9:58
  you
• 9:58
  can
• 9:58
  join
• 9:58
  in
• 9:58
  the
• 9:58
  conversation.
• 9:59
  Well,
• 10:00
  thank
• 10:00
  you
• 10:00
  so
• 10:00
  much
• 10:00
  for
• 10:01
  joining
• 10:01
  me
• 10:01
  today.
• 10:01
  I
• 10:01
  want
• 10:02
  to
• 10:02
  encourage
• 10:02
  you
• 10:02
  to
• 10:02
  stay
• 10:03
  financially
• 10:03
  savvy.
• 10:04
  May
• 10:04
  God
• 10:05
  bless
• 10:05
  you.
• 10:05
  And
• 10:06
  you
• 10:06
  have
• 10:06
  a
• 10:06
  great
• 10:07
  day
• 10:07
  today.