I Owe The IRS $100,000 With My Ex! 

​@@DJ-tn3ovno he's right, they were in a marriage!!!

What a dummy the new husband is!

Exactly I’m right there with you

Agree completely! I can’t understand why Dave wants this woman not to pay for her fair share. SHE BENEFITTED FROM THE BUSINESS DAVE!!!!

The judge even split it 60/40. She’ll spend 10k on lawyers to fight it

New simp...I mean husband will pay for it

Exactly.

They both enjoyed tax free income coming in until they decided to divorce.

Filing separately wouldn’t have solved their issue because they were still married thus she would still be responsible for the debt. It only makes sense in hindsight knowing they’d get divorced

Dave's comment VerBatim

There's no way this is correct because after not filing for the second or third year in a row they would come after you and force you to pay through the court. They're not going to wait seven years to call you on your back payments.

agreed

But everything was “overwhelming “. Welcome to life!😂

Yup, because if the ex had 100,000 in profit she would be entitled to half. So now she gets half of the debt

@@RU-vidNeoconskeepcensoringme Good point. However, I do think she should have been liable (on her own) for $50k, and not jointly liable with her hex for $100k.

Ramsey continues to encourage simping , and often not holding women accountable .

How did he treat her as a victim, all he did was give her advice.

@@georgewagner7787 How familiar are you with Ramsey ?. He often says that when people are married , it is y'all's money !!.. Why wouldn't it be y'all's debt ??.

customer is always right

Because married couples don’t have to file jointly.

Understand, it’s less of a legal question and more of an ethics questions which Dave is big on.

So, the IRS prepared a substitute for return?

COVID probably had an impact. The IRS suspended levy and refund offset. I even wonder if new husband even knows. The IRS resumed collection this summer. I wonder if new husband said “honey, why do you have a certified letter from the IRS..”

@@briandfallon74according to her timeline they already hadn’t filed in 3 years by the time Covid hit.

@@TonyCox1351 that was my thought.

From someone who didn't pay taxes last year. I'm trying to pay off my house first 😆 they can take payments

@@matthewkroeker110 Right?? the one time I was behind, I called the IRS and asked them if I could pay payments. The rep said, "sure, how much can you afford?" It was so easy.

Would he have responded the exact same way if the roles were reversed ?.

They wanted to spend every penny. It insanity thinking that this wouldn’t bite you in the a$$. I think this woman is short on brain cells.

I started out with a financial advisor called *"Rochelle Dungca Schreiber"*. Her honest approach gives me complete ownership and control of my positions, and her rates are incredibly affordable given my ROI. However, do your due diligence before contacting a financial advisor..

She believes she shouldn’t be obligated to pay it

Exactly, id hate to owe the gov 1 penney

She is just a flake😅

It's all backwards

But dat poon

"Strong and independent" when it's convenient "Just a dumb girl" when it's convenient

Omg, that's scary.

I wondered if she disclosed her tax debt to her current husband. When family members sold their house, the first potential buyer owed $40,000 in tax debt and it was discovered by the bank during the loan approval process. If the potential buyers paid the tax debt, they would not have the down payment for the house. They fooled around for nearly a month tugging heartstrings and dragging out the process until the real estate agent representing the house stepped in and said "Release the good faith money or we kill the negotiation." The buyers dragged on for three more days and were confident enough to release the good faith money ($15,000). They were given a week to come up with legitimate financing. The deal fell apart and family members were done with them. We could not figure out why these people did not let the deal go and pay their tax debt instead of fooling around trying to get "alternative financing." They basically paid $15,000 in good faith money to lose out on buying a house they could not afford. Our family members were delayed in the purchase of their new house: The $15,000 covered the six weeks they were stuck renting; their house sold to buyers who actually had their finances in order. 🙄

Thats horrible!

Tax accountant here. Innocent spouse would actually apply to her current husband. So if she files jointly with her current husband, he would be able to claim innocent spouse and be entitled to the portion of his tax refund without it going towards her tax debt. It wouldn't apply to her since she filed jointly with her ex, and the innocent spouse provision doesn't work retroactively.

@@NATEG01 Current EA and former RO. You’ve confused innocent spouse and injured spouse. Her current spouse is an injured spouse because the Service will offset any MFJ refund to her sole debt. They attach an 8379 to their return and allocate. I do not believe innocent spouse applies here because there is no evidence of understatement or errors.

@@NATEG01 if innocent spouse does not apply retroactively, how would it work prospectively? If the basis of innocent spouse is a concealment or errors resulted in an understated tax, there has to be some action by the Service to increase the assessment after filing. You’d see AUR, Exam, or maybe a math error adjustment.

@@briandfallon74 As I stated in my first comment, the innocent spouse would only work prospectively by giving relief to her current husband if they file jointly. The IRS can't hold him liable for the tax debt. She is not an innocent spouse because she filed jointly with her ex. It doesn't matter if it's his business because if you file jointly, the IRS views both spouses liable for the tax debt. The only exception is if the tax debt was payroll taxes, or if the business was a C-Corp. But this doesn't sound like it's the case. In the case of an IRS adjustment, both spouses would be liable for the increase in tax since they filed jointly. I've seen this in other cases that I've worked with, and most of the time, the IRS will come after the easier target regardless of whose income resulted in the increase in tax. This is why it's a good idea to file separately if you're having marriage issues or have a spouse that has business or financial problems.

Or picking up a rattlesnake

They sure dont f7ck around

As a former IRS Revenue Officer and now an Enrolled Agent in private practice, you’d be surprised. I like to sleep soundly at night, so I pay on time and in full.

Or sticking their private areas in

A night worker at the Naples Zoo did exactly that. The police had to shoot the tiger. He was beautiful

Indeed! I wonder if he even knew.

Ageeed

Yes and Dave ok wt it 😮😮😮

@@LuisLopez-nk7fj Apparently her new husband is $$$$$ buying into it .

Then you don't know the basics of US tax law, while you're married you can file separately or jointly. For a judge to mandate filing jointly at all sounds like an overreach of his authority, and just an insane thing to even suggest while in divorce proceedings

@@001SpecialAgent She also did not file her own taxes.

Businesses tend to be their own entities. If she isn't owner, this doesn't make sense.

@@dudeorduuude5211if the business was an LLC, the tax liability passes through to the owner(s). And if the business was started when they were married, they're both the owners.

​@@dudeorduuude5211I suspected that she might have been on the business paperwork, that question was not asked. If she follows the advice Dave gave her the truth will come out. Having $100,000 in tax debt makes a mortgage dicey at best, and she will likely have a hard time buying a house.

Death AND taxes!

If the caller were a man then Dave would be singing a different song.

It would not be "their" business if she was not on the paperwork. She may have had an outside job while her ex ran the business into the ground (what may generally happen if one does not file and pay taxes on one's business). When the divorce came around, the taxes had to be filed, and the judge decreed jointly. If she was not on the husband's business paperwork she might be able to fight the liability to an extent, however, it sounds like when the joint taxes were filed she made more than the ex's business and wound up with more liability. Dave pointed her in a direction: The truth of her story will be revealed when/if she purses that direction for recourse. She may have been overwhelmed by the hourly cost for a real lawyer to fight her "battle" and she turned to the Ramsey Show. Guiding principles will often inform given counsel, by that standard Dave is not outside of a norm.

That made me cringe. When I was a teenager, I was set up with a very respectable man and we dated for a few months. One night told me he had not paid income tax on his business for nine years. He justified why and I could not believe anyone would be that irresponsible, he owned a beautiful house and had a business that appeared to be doing really well. That was the last time I went out with him. Fast forward several months and my mother and her friend were giving me a hard time about "dumping" that "really great" guy. I looked mom's friend in the eyes and said "I quit dating him because he told me he had not paid his income tax in nine years." She was shocked. My mom was embarrassed: "Well, I never heard THAT." 😂😂😂

@@user-mv9tt4st9k Smart gal!

50 bucks says she's hot.

she does that "thing" he likes the other girls dont do lol...priceless...

It got me wondering if her current husband knew about her post divorce tax debt before he married her. It is so important to discuss finances before marrying; if there is debt, there needs to be a plan to get out of it.

Her butt must be worth it, right?!?

Yeah, caller is probably a 10 lol

​@@GatoradeAppreciatori assume its the poon

How do you know she benefited from his income, Maybe the GF did?

⁠@@aolvaar8792She herself said the judge told her she benefited from it.

Because she was thinking of a way to lie or spin something.

He told her one option was to pay. The other option is to fight. Those are her legal rights.

I wonder if her income was from the business and she was in the business with him? I’m thinking maybe it was and she left that part out

Thank you , because you are saying exactly what I am thinking . As much as I like Ramsey's basic financial advice , he constantly encourages simping .

Amen

@@WISHBONEL7 The guy is at fault most of the time. They are the heads of the household. Instead, they act like spoiled brats.

Exactly my thoughts! If the business thrived Dave would have advised her on how to take half if not more!

Because that’s what entitled women do

No, sounds like 40%. She isn't acting like a victim and admitted she messed up right at the beginning. Question is, why are you twisting reality?

I apologize. I didn't mean to offend your mother. Based on your emotional response I am guessing you are related to her. Otherwise, you would be rationale enough to understand that a comment section is for comments, and I am sure I have a right to my opinion.@@dudeorduuude5211

@@dudeorduuude5211 I think we found the new husband 😂

Thus the divorce. The ex husband dodged a bullet.

Could you imagine the story she spun and probably still spinning to her new husband?

But it goes tenfold for the US.

As good as Ramsey is about basic financial advice , hopefully you've also learned that he also encourages simping .

And she needs a good counselor to help her start taking responsibility for her own life.

@@Excalibur2 correct, I am a business owner and my ex wife and this woman sound just the same. They expect to just be able to put life on cruise control while their spouse handles all the decisions, details, and money problems. This is a hold over of traditional society and these women get away with it because of the lack of accountability and expectations held for women from said chivalrous era. My difference is that i made sure our taxes got paid. I am just stating the course of actions she needs to take to get out of her issue. She is treating this problem socially and not logically.

Please tell me how much experience you have in this regard. I’m a former IRS Revenue Officer and now an Enrolled Agent in private practice. In any divorce situation, a credentialed tax pro (EA, CPA or Attorney) has a conflict of interest because both parties have differing interests. There’s a process to resolve that and if it wasnt followed, she can make a complaint against the CPA to the IRS Office of Professional Responsibility. No credentialed tax pro is risking sanction or losing the ability to practice before IRS for these irresponsible folks. Second, there is zero evidence the CPA didnt prepare a proper married filing joint return. Seven years is $15,000 a year - not earth shattering. Third, what efforts did divorce attorney make to advocate for a MFS return ie why did they agree or was it contested? Lastly, her decree gives her right to seek it from the ex if she pays it all. This caller needs to grow up and start adulting. She has two choices - enter into an installment agreement with the IRS after paying over the $55,000 or keep fighting losing battles. She’s not buying a house with $100 k of IRS debt

@@briandfallon74 My experiences are personal and I do have a few sparring with taxes and needed representation, but I think you have summarized it in your lengthy post here. We don't have all the information and definitely not the information to answer the questions you just asked. Another thing is based on your comments you assume she didn't pay any taxes on her income. If she is like most scenarios then she worked a "job" which did take taxes out on her behalf so there is a terminology mistake. She most likely paid her taxes but didn't file them. If she would have filed separately then she should have been in the clear (besides the penalties for late filing etc). Other than saber rattling and trying to flex your "authority" I fail to see any point you are trying to make. Why didn't the judge make them file separately using their own accountants? You say you are from the IRS but in all reality it has little to do with local courts and family law. As a contractor I am in local courts more than a few times a year and see many judges acting on emotion and overstepping the scope of the case. People get loans all the time with tax debt. You are also forgetting that she has a new spouse who doesn't have the tax debt so he is perfectly capable of obtaining the mortgage without her as long as he has enough income.

@@electricalsociety5593 my point is you are drawing conclusions without the facts. I spent 15 years at IRS and now have a private EA practice. This called has very typical statements of someone that is irresponsible. She could have avoided the whole thing at the start of 7 years of non compliance with a grown up conversation with the ex: “Since you arent ready to file taxes, I’m filing a separate return.” She’d not be in this problem - it’s self created. She’s now doubling down by ignoring the tax debt, while building a healthy cash account and becoming “debt free.” She needs to pay. You posit somehow a new CPA will get a different result. The IRS prohibits a tax payer from amending from MFJ to MFS after the original due date of the return and innocent spouse is not applicable - she has no evidence she was duped. She needs to grow up and pay. On courts, I do believe local judges issue orders about a lot of things they cant control - but well intentioned folks rely on that for, say claiming a dependent or dividing up tax debt. The IRS isnt bound by a state court decision. The new spouse may very well qualify for the mortgage on his own. In that type of case, with the facts presented in the call, if he alone buys a house using the $55,000, if a Revenue Officer is assigned, the new spouse will likely find a special condition Notice of Federal Tax Lien naming him a nominee of his spouse and the IRS asserting a lien interest in the real estate. Then it starts to get real sporty as the IRS has the legal authority to file a suit to foreclose the tax lien in federal court. She can go your route and continue to delay and evade or she can go my route to pay over the $55,000 and enter into an installment agreement. If she goes my route, life gets easier. If she goes your route, it’s exponentially more difficult.

A TAX ATTORNEY!

I assume its dat poon

If she filed a separate return with her own income only, there would never be innocent spouse because she’s not liable for her spouse’s debt

Interesting, thanks!

Although he gives very good basic financial advice , he constantly encourages simping .

They’ll never get to that because there is zero allegation of understatement, concealment or error on the part of the other spouse. Opposite was true - she was involved. She owes; pay up

The IRS suspended levies during covid and resumed collection this summer. It’s probably on the way

She is a woman.

I hope you have some salve for your butt. I'm sure it hurt to pull that made up story out of there.

Listen to how well she dodged questions, I'm glad Dave called her on it, he doesn't always do that.

A new ATM Man is working thus far!

No accountability or accounting. SMH.

You lovr to say Dave is wrong. Monday through Sunday. Everyday the past 3 years. Yall are more alike than you like to admit.

@@Tank-vi2dvMORE ON

All Americans ARE always wrong.

Is there evidence she’s in a community property state? For tax purposes, a Sch C lists the SSN of the owner - even on a joint return. A married couple can choose to allocate - for essentially social security - half to each spouse, but that’s not applicable here as she doesnt indicate she worked in the business. She indicated they did not file any tax return for 7 years. If she filed MFS, under federal law, at least four of those years, she’d be barred from amending to include his income. As she said she had w2 income, she could have filed separately.

I doubt it. The IRS would've gone after him already.

Lol. Not you making fun of deloney 😅😅

“Can I tell you something Jill you are worth so much more then him” 😂 look in the mirror and say I’m better now

Whenever he says that the gears start spinning, and the women have to decide real quick if it benefits them to lie and say they're in danger to appear the victim.

"Jill, you can't breathe... you can't breathe, Jill. Life has hit you like a ton of bricks. I want you to take a deep breath right now then tonight I want you to grab a big ugly rock, drive to a swamp, and Jill I want you to throw that rock into that swamp, Jill. There goes all your problems. I had a friend who said something amazing once. He tol - and he's not a psychologist, just a smart dude - he said 'every 60 seconds....a minute passes...' Say that out loud. Did you feel the weight being lifted off your ample bosom? I love you, Jill. Call me."

@@robloxvids2233 lmao 😂