<prompt> Human: Hi folks. I used to make a solid six-figure salary. Ignored the lifestyle creep, then got laid off. Made the mistake of taking a security job in order to have some income while I looked for more work, now that ended up kicking me in the butt by making employers think somethings up with me. endrantAnyway, as a result of previous job finances and credit card debt, Im now 100k in debt, between money owed to IRS on a payment plan right now, car loan, and credit cards which are all maxed out. Were living paycheck to paycheck, and minimum payments alone are eating up 1.5kmonth that could otherwise be put away and saved. At this point, acquiring more income, trimming expenses, budgeting, etc., are all out of the question. Im at the point where I really dont even care anymore if all of our stuff gets repossessed and my once-immaculate credit being in the negatives for the next decade. I just want the sanity of being able to live without having to worry about how to afford paying a bill or buying food.One big problem I have looming is that the IRS tax debt is 25k. While Im on a 300month payment plan, once my accountant turns in my 2015 return in October and they find I owe an additional 25k, Ill be forced into default on the tax debt and be required to pay up front. My accountant advised that if this happens I would be able to expect having every penny sucked out of my bank account automatically until the debt is paid. If this happens, then at that point, I could care less about my credit card debt as well, because f it.Are there any good options I can take that can save me from this situation? Ive heard bankruptcy doesnt relieve tax debts, so Im not sure it would even be worth my time. With a looming default ahead, should I just default on my other debts, close my bank accounts, and rely on paper money for the next 10 years? Or is there a better option?  <response>: any good options I can take that can save me from this situation?double your income. if you made six figures once you can do it again, unless your lost a medical or legal license due to unethical behavior or something like that. if you were in business or sales, youve still got those skills you just need to tap into them again after a rough couple of years. if you close your bank accounts in anticipation of garnishment or judgment, thats fraud. ditto for hiding assets in someone elses name. you can face criminal charges in addition to whatever other penalties the IRS can drop into your life. most legit jobs do direct deposit paychecks nowadays. youll need some kind of bank account for paychecks. even if you have a prepaid debit card or visa card for paychecks, your nameSSN will be tied to the account. so unless you want to work for cash and live on cash, this isnt a good option. At this point, acquiring more income, trimming expenses, budgeting, etc., are all out of the question. oh woes is me! theres absolutely nothing you can do? why then are you wasting our time? we have no influence at the IRS. 