<prompt> Human: As a result of mistakes and bad decisions, I owe the IRS over 60000. Because of the amount owed, they are insisting that it gets paid in a full lump sum. They refuse to put me on a payment plan, saying that the maximum that they can take on a payment plan is around 550 per month and that wont cover my debt over the time of the payment plan. I obviously dont have 60000 laying around so I cant afford to pay. This Friday, my bank account was froze and I cant access any of my money. I only had 40 cash on me at the time and had to chose between gas to get to work or food. Im hungry and frustrated and dont know where to turn. Who can I go to for this to be resolved? Am I looking for a CPA or a tax attorney? I know neither will have immediate availability so what should I do in the meantime so I can eat? I realize that this is my fault and I want to resolve it but I feel like the IRS has left me with unreasonable options. Any advice would be appreciated. Thanks Assistant: I feel like the IRS has left me with unreasonable optionsthe IRS is not being unreasonable. you are being unreasonable. seizing or freezing bank accounts is the last step the IRS takes. by the time they seize assets, freeze accounts, or put a lien against your house its usually after years of the taxpayer ignoring the problem. you need a lawyer. They refuse to put me on a payment planthats because they know you wont pay. what should I do in the meantime so I can eat? temp job andor sell stuff. Human: I offered 400 per month, direct from my bank account and was told that it was not enough because it would take more than 10 years to pay back. Their counter offer was 60000 now. Seems unreasonable to me.  <response>: IRS underpayment interest rates are 4 APR right now. To pay your debt off in 10 years would be about 600month. 400month would be a 17 year payment plan. Its not surprising that they arent willing to wait that long.If you can get your debt down to 54,000 550month, you might be eligible for a payment plan again. 