Usatora Mitero Yezvikwereti Nemitero Nokutsvaga Kubhadharwa Kwemamwe Mimwe Mitemo yeMitero
Chii chinoitika kana mutero wezuva uchitenderera uye iwe haugone kuuya nemari yekubhadhara yako Federal tax tax? Iwe unogona kunge uchitya asi iwe unosarudza apo iwe usingakwanisi kubhadhara mitero yako yaunowana panguva. Kunzwisisa kuti izvo zvingasarudzwa ndezvipi - uye zvinoregererwa kuti zvibhadhare kana kutora nguva-zvinogona kukubatsira kuti usarudze nzira ipi yaunotora kutora mutero wekubhadhara mutero.
Kubhadharwa Kwekupedzisira uye Kwapera Nguva Kudhinda Mhosva
IRS inoratidzira chirango chekunyora kudzoka kwako nguva pfupi, uye kubhadhara mitero yako pfupi.
Izvo "kukundikana kuisa" chirango chakaipisisa kupfuura "kukundikana kubhadhara" chirango (ndapota cherechedza kuti chido chekudaidzwa chinoshandiswa mumuenzaniso uyu chinowirirana kwega roga). Heino maonero avanofananidza:
- Kukundikana kuisa pairi nguva chirango: 5% yemari inokwana pamwedzi, kusvika kusvika pa25%
- Kukundikana kubhadhara panguva yechirango: 0.5% yemari inokwana pamwedzi, kusvika kusvika pa25%
Nzira iri nyore yekuderedza zvikwereti zvako uye kufarira kuisa uye kubhadhara mitero yako nekutora nguva yakatarwa. Asi, kana iwe usingakwanisi kubhadhara pakarepo, iwe unofanirwa kunge uchida kudzorera kudzoka kwako panguva yakatarwa kuti urege kukundikana kukwidza kupa chirango. Cherechedzawo kuti kana iwe ukakundikana kubhadhara panguva, kufarira kunowedzerawo mubhadharo kusvikira mutero wako wekubhadhara unobhadharwa zvakakwana.
Zvaunofanira Kuita Kana Usingakwanisi Kubhadhara Mitero Yako Yekubhadharwa Pa Nguva
Kana iwe usingakwanisi kubhadhara panguva, usasiya ibwe risina kubviswa apo uchitsvaga dzimwe nzira. Semuenzaniso, kana kushayikwa kwemari yako kwechinguva chiduku, kufambira mberi kwako pamari yako kunogona kugadzirisa dambudziko racho.
Kana, iwe unogona kunge uine nhengo dzemhuri dzinenge dzichida kukukwereta mari. Kutengesa zvinhu zvausisiri kushandisa ndeimwe nzira yekusimudza mari. Kana iyo isingasarudzo, heyi dzimwe nzira nhatu dzokubhadhara kuitira kuti ugone kudzivisa zvikwereti uye kufarira:
1. Shandisa Credit Card
Iwe unogona kutengesa mitero yako pane yako kadhi rechikwereti (American Express, MasterCard, Visa kana Discover Card) nokutaura nemupiki webasa anogamuchirwa ne IRS.
Iwe uchabhadharwa mari inoshandiswa ye2,5% yemari yauri kuripa, saka kana iwe uine chikwereti chemadhora maviri, mari yacho inenge iri ye $ 50. Kana iwe uine chikwereti $ 10,000, mari yacho ichave yakapoteredza $ 250. Usakanganwa kuti iwe uchatora chikwereti chekufarira kana iwe usingakwanisi kubhadhara chikwereti chako chekadhi rechikwereti kubva nokukurumidza. Vatariri vaviri vebasa raunogona kufungidzira kugadzira muripo wako kune Pay1040 uye Official Payments Corporation. Kana iwe usina chokwadi nezvekubhadhara kuburikidza nemupiki webasa, dana IRS kuti uwane mamwe mashoko.
2. Taura Nekugadzirisa Purogiramu
Kana iwe usingakwanisi kuuya nemari yekubhadhara mitero yako panguva, unogona kukwanisa kuronga chirongwa chekubhadhara chikamu ne IRS. Iwe unogona kuzadzisa Fomu 9465, Chikwata Chekuvumirana Kwechigwaro, uye uchisungirire iyo pamberi pekutora mutero wako. Zvichienderana nemari yaunokwereta, ungakwanisa kukumbira chirongwa chokubhadhara paIndaneti.
Ramba uchifunga kuti chibvumirano chechigarire hachikubvumiri kuti usabhadhara chikwereti pane zvaunokwereta. Kufarira kunoramba kuchiwedzera kusvikira chikwereti ichigutsikana. I IRS inogona, kunyange zvakadaro, kuderedza kusakundikana kupi kwekubhadhara chirango chakaongororwa.
3. Funga nezvekupa mukutengesa
Kana iwe uine chikwereti chakanyanya zvokuti hapana nzira yaungambokwanisa kuribhadhara nayo, IRS inogona kugamuchira zvishomanana kupfuura mari yakazara kuburikidza nepurogiramu inonzi Offer in Compromise .
Ichi ndicho chibvumirano chekugadzirisa umo IRS inobvumirana kugamuchira zvishoma kudarika chikwereti chakakwana chinobhadharwa sekubhadharwa. Kuti upe Chinopiwa muCompromise , uchada kuzadza Fomu 656, Govera mu Compromise, uye Fomu 433A , Collection Information Statement uye uiise ku IRS nemari yekushandiswa.
Iwe uchafanirwa kupa sangano rakakwana rezvemari, kusanganisira zvose zvaunazvo zvekukosha, zvose zvikwereti zvaunokwereta, mari yako, uye mari yawakagadzirira kubhadhara pakarepo kuitira kugadzirisa kero yako. IRS ichaongorora mari yako mamiriro ezvinhu uye ramangwana rekuwana mari yekuona kana iwe uchibvuma kugadziriswa kwako. Kana IRS ichitenda kuti ichange isingakwanisi kuunganidza mari yakazara, chipo chako chinogona kugamuchirwa. Iyi purogiramu ndeyevanhu vane mari yakaoma.
Pasinei nechigadziriswa chirongwa kana kupa Chibvumirano cheCompromise, IRS inoda kuti iwe ubhadhara yako yose federal mvumo pamitambo yemakore mashanu kana kuti kusvikira mari yawakagadzirisa inobhadharwa zvakakwana, chero yakakura. Kana iwe usina kukwana pamagariro eDhipatimendi muchibvumirano cheCompromise, mitsva yako yese yemushure ichadzokorora zvakare. I IRS inogona kuisa chivako panzvimbo yako kuti ive nechokwadi chekubhadhara, uye izvi zvicharatidzira pane repoti rekwereti yako.
The Bottom Line
Izvi zvese zvinogona kunge zvichinyanyisa, asi chinangwa ndeichi: kunyange kana iwe usingakwanisi kubhadhara mitero yako, usakonzera matambudziko ako nekukundikana kuisa mutero wako wekudzoka . Iwe unogona kupedzisa kubhadhara zvikwereti zvakakwana hafu yezvikwereti zvaunokwereta, usati wawana mubereko kana wawedzerwa pane, saka iva nechokwadi chokuti iwe unodzoka kwako nenguva.