I find that taxpayers once they get those returns caught up, a huge weight is lifted off their shoulders and they can then move forward.
There has to be the right circumstances to negotiate down the debt.
What they are doing is living beyond their means. When tax time comes they figure 'I don't have the money so I'm not going to file.' That thinking is wrong because there is also a penalty for late filing. If you just file the return you eliminate one of the penalties.
