<prompt> Human: Throwaway because Im ashamed, scared, angry, and have no idea what to do.The accountant I hired - and no Im not blaming this all on him, but its not all my fault either! - did my tax planning wrong and because he did things as if I was w2 and not 1099 for my LLC that failed, I just found out I have about 20,000 in taxes I owe the IRS from the 2012 tax year that we did not plan for. Its a single owner LLC that has existed for almost 6 years now, but is currently only active on paper and has no income right now. We had filed an extension to file taxes, so no Im not late to file as per the extension I have until August to file taxes, pay what is owed, etc.Looking in mint I have the following assets and liabilities:My Assets: Day job working as a software developer on a short term contract that will end in less than 2 months. Exactly 11,627 in liquid cash in my personal account, according to Mint. This was supposed to be 2 months of buffer. A brokerage account that chase says is currently worth 3,474.85 and is down over 13. I own my car free and clear, but its a 1997 so its not worth much, I just had to pay 4k to get it a new transmission on my cc, after the 4k I had to spend on the engine, and the 700 I spent on breaks.. also on my personal cc. The LLCs bank account has only 300 in it.My Liabilities: Home mortgage Amount owed: About 295,000 at 4.25, monthly mortgage of around 1890. The house is worth only 213,00 or so, so I am underwater as I owe more than its worth due to the housing downturn. When I bought it I had 55,000 equity in the home, but then home prices crashed. Personal Credit card with a 9,189 balance at 13.9. 350 minimal payment but I usually pay more. Company credit card from my failed business with 9,27 owed with a interest rate of about 24. I have no idea why its interest rate so high as I could have sworn it was less a year ago, but I pay the minimal every month then pay everything else I can usually, since its the most expensive debt I carry. It used to be over 18k, but after I paid it down Chase changed the amount I could barrow to lower 15k. Due to this I dont even have a CC card that could be used to pay the IRS the 20,000.I already have have unknown outstanding debt in the form of emergency medical bills from being a passenger side victim in a car crash. There are 3 insurance companies involved so its a mess.My initial plan was to talk to the bank, get my CC interest rates down as much as possible so that the minimal payment was not too high, consolidate everything, l take out a loan for the taxes, pay the IRS, and then pay down the debt as much as I could over time... but the bank just told me that I do not qualify for any type of business loan because the LLC doesnt bring in at least 250,0000 a year, and while that sounds like an insane requirement to me they will not budge on this.I have no idea what to do. I got married earlier in the year and my wife did NOT sign up for this, I dont want to lose her and yet we are still going through the immigration stuff for her She is Canadian, Im american. I have no idea what to do and as I work full time for at least the next few months, I dont know what my options for extra jobs are.Any advice, data, etc would be appreciated. I have meetings posting this during my lunch but will read when I can and reply as I am able.Assistant: call IRS, talk to them. theyre nice people, and will work with you to handle this. they wont destroy you.Human: Going to jail would destroy me.Assistant: There is a HUGE difference between tax evasion and being unable to pay a tax debt. I owed 10k I didnt have and they helped me set up a plan and even thanked me for calling. I have honestly never received better service than the IRS. They knew I was scared and confused when I called, and I ended the call 15 minutes later confident and happy. Just own up to it and theyll help you. Human: This is twice as much.. its really scary. Its after 5:30pm here now so I cant call as Im sure they are closed, but I will look around for a number and try tomorrow during my lunch.. unless you could give me the number you called?  <response>: It was only half as much, but I had ignored the problem for three years and didnt even call until I got a certified letter saying I better call or else. I was so scared I wrote a script that went pretty much like this:Hey, this is Ashleyrah, blah blah account info. Heres the deal - I was a 1099 employee and didnt know what that meant and didnt save a thing. Now I think I owe yall a bunch of money, and I dont have any. I want to make this right, but have no idea where to start. Can you help me?The lady that answered started like this First of all, I want to thank you for calling us and trying to do the right thing. We appreciate you taking responsibility and we will make everything OK. How much do you think you can afford to pay per month? Would a monthly payment plan work for you?I think the name-your-price deal ends near 10k owed, but I promise they wont be mad at you, yell at you, or anything like that. For heavens sake - I had dodged the problem for 3 YEARS and they were grateful I picked up the phone. Same deal a few years later when I lost my job and couldnt afford the monthly payments. They thanked me for calling instead of just stopping my payments.Here is the contact info:Telephone Assistance for Individuals:Toll-Free, 1-800-829-1040 Hours of Operation: Monday Friday, 7:00 a.m. 7:00 p.m. your local time Alaska Hawaii follow Pacific Time. 