<prompt> Human: Spouse lost 6 figure income job and hid it by using all 401k and savings. Has apparently borrowed from friends and family and can no longer do so. Borrowed from family to relocate us closer to his family in another state. I am a citizen but not from the USA and have neither family nor due to spouses borrowing any friends in this country. Children cannot help as they now deal with fallout trying to pay their own education living costs. My own family cannot help financially. Ive never worked during marriage not due to laziness or ill health, circumstances are not important to narrative. Also have enormous over 548k combined federal and tax liabilities in my name due to his not withholding we did file jointly- I never checked the papers as had not once ever had an issue before moving to the USA several years ago, and trusted spouse. Currently housed in his home state and home of his family friend, and trying to find ANY work. I dont know where to go from here to begin to rebuild. Advice on financial steps to move forward would be appreciated Ie. Filing for bankruptcy, closing joint accounts etc.  <response>: First I want to wish you the best of luck. Being 50 and without work experience, I really dont think there is anyway you could pay off half a mil within your lifetime. I would seriously suggest talking to a lawyer and seeing if you could settle with the IRS. They may be more willing to settle if they know they can definitely get a lesser amount out of you vs. probably not get a huge amount. Also, not to get into your personal life too much, but if I were you, Id seriously consider if remaining with your spouse would be the right thing to do. 