IRS vs. Healthcare
As some of you know, my wife and I have spend the last 3 years paying out on a bankrupcty plan. We finally completed that.
We paid out 100% of our debt. That situation arose out of a few years of lackluster employment after the tech buble burst and Dick Armey spearheaded legislation to pay corporations to move their jobs overseas. The final kicker was when my wife suffered heart failure due to high blood pressure. Her one week stay in the hospital put us over the edge.
During the bankruptcy, we had a tremendously crappy lawyer that lied to us constantly about the terms of the agreement and about paperwork he filed or didn't file. When we entered bankruptcy, I had a temproary, high paying contract job. Through the period of bankruptcy, I took a series progressively lower paying jobs, just to stay employed. My attorney kept telling me that paperwork had been filed to get an adjustment, but everytime, he lied.
So I ended up making significantly less money, but still paying the premium rate. The only way we could manage this was to short the IRS. My lawyer actually recommended this as he said they won't come after us until the bankruptcy was over. Then he'd be off the hook.
Now we're dealing with the IRS. They keep changing the figures that we owe and keep asking for increasingly larger lump sum payments as our first installment, if we want good terms.
My wife has started needing medical care again. So we've shelled out some large lump sum payments for her tests. She has a suspicious growth on one of her kidneys. Tests to determine if it's cancerous, are going to run nearly $3,000. The IRS wants a lump sum payment of $2,500 within the month.
We can afford neither. If we put off the IRS and save for the medical tests, the IRS will just assess more huge fees and penalties. If we pay the IRS, then we're rolling the dice on whether my wife has cancer or not.
It's back to interesting times again.
Don't worry, we don't have insurance. So those of you worried about your rates going up, be sure they won't. We'll be paying out of pocket. These days insurance is for rich people and government employees