Well when you don't pay the IRS they seem to make a point of reminding you about it. They had by far the highest interest rate on debt of anyone I interacted with so I had to deal with them first. I basically called every number on every notice they sent me, and with the help of an accountant we talked them down a bit. It sucked. But I tried to appeal to their human side, explaining that my business had gone under and I was unable to pay all of my debt, but that I was trying to prioritize payments based on who was able to negotiate with me. That seemed to work... and being generally pleasant with them also seemed to help get their extra effort in helping me figure it out.
It's true that sometimes the biggest obstacle in handling these money situations is the avoidant nature we take on. It really is best to face the money problems head on, not take it personally (debt doesn't say anything about the quality of you as a person), and make those numbers change little by little until they disappear. At least, that's my take on it.
I wish you luck though... let me know if I can help talk it out at all.
It's true that sometimes the biggest obstacle in handling these money situations is the avoidant nature we take on. It really is best to face the money problems head on, not take it personally (debt doesn't say anything about the quality of you as a person), and make those numbers change little by little until they disappear. At least, that's my take on it.
I wish you luck though... let me know if I can help talk it out at all.
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