Kubvunzurudza naDavid Bauman, EA, weJK Harris
Mutero Wemitero Basics: Govera muCompromise uye Partial Pay Installment Agreements
Zvakanaka masikati, David, uye ndinokutendai nekutora nguva yekutaura neni nhasi. Iwe unobatsira sei vateresi kugadzirisa matambudziko avo neRRS mitero yemitero?
Vadzidzisi vemitero paJK Harris vanobatsira vanhu uye mabhizinesi kuongorora zvose zvavanosarudza pakubata nematokari emitero. Tichagadzirira mvumo yezvemari yevashandi maererano nemamiriro avo ehutano akasiyana-siyana kuti tione kuti maitirwo emitero yakakosha chii kune umwe neumwe mutengi.
Ndezvipi zvingasarudzwa zvekutarisana nematokisi emitero?
Vateresi vane dzimwe nzira shanu dzokugadzirisa IRS Collections basa: kusimbisa chigwaro chechipo , kugadzira chibvumirano chechipo chekubhadhara chikwereti , kuendesa chipiro chekuregererwa, kutumira kubhadhara , kana kuziviswa kuti hazvigoni kuwanikwa ne IRS.
Iwe unoziva sei kana chikwereti chairo chakakodzera chakakosha? Zvose zvinotarisirwa pamusana pemamiriro ehutano akasiyana nemutengi. Tinoongorora kukwanisa kwekwereti kubhadhara. Kana muchengeti asingakwanisi kubhadhara mitero yake yemitero yakazara, kupiwa mukutengesa purogiramu inogona kuva yakasarudzwa.
Kunyanya, tinoongorora mutevedzeri wekwereti waunowana pamwedzi.
Kana pane mari yakakwana yekuwana, tinowanzokurudzira kuti muchengeti aise chibvumirano chechigwaro kana chibvumirano chekubhadhara chikamu. Kana muchengeti ari kuita mari yakakwana yekuvhara mari uye inowedzera kana kudarika kunyange, ipapo tinogona kukurudzira chipo mukutengesa. Zvisinei, kana muchengeti achishandisa mari yakawanda pamari, izvo IRS zvichange zvisingabvumi, tinogona kukurudzira kuti muchengeti anotora kubhadhara seimwe nzira.
Ndezvipi zvikonzero zvikuru mukugadzirisa kana Chinopiwa muCompromise chichabudirira?
Mubhadharo anofanira kunge ari mukuteerera uye anofanira kuva nekwanisi yekubhadhara uye kukwereta. IRS haizobvumirwi neChipiro muCompromise kana muteresi asingateereri mitemo yemitero. Semuenzaniso, muteresi anofanira kunge aripo panguva yekufungidzirwa mutero kubhadhara kana federal mubhadharo kubhadhara, inofanira kunge ichiita mitero yebhadharo mari panguva, uye inofanira kunge yakaisa mitsara yose inoshandiswa. Iko kukwanisa kubhadhara uye kukwereta kunoenzaniswa neKunzwisisa Kukwanisa Kuwanikwa .
Ndeupi wekodzero yemutero iwe unofarira?
Kazhinji, isu tinosarudza kuti mutengi agadzire chibvumirano chechigadziro kana kuti chipiro chekukanganisa. Zvibvumirano zvepamusoro uye zvipo mukutengesa zvibvumirano pakati pemubhadhara uye IRS. Chero bedzi apo mazwi ezvibvumirano ari kuzadzika, IRS haizovhiringidzi mutero.
Zvakadini nezvekusabhadhara-kubhadhara zvikwereti zvitsva, apo muteresi anokwereta mwedzi mumwe nomumwe asi anoguma achibhadhara zvishoma kudarika chikwereti chakakwana?
Zvikwereti zvepakati-kubhadhara zvinogona kuve nyore kuwana kunze kwekupa mukutengesa. Zvisinei, kusiyana nekupa kana chikwata chekubhadhara zvakakwana, IRS inogona kuongorora zvakare mazwi echibvumirano chechipo chekubhadhara chikamu chemakore maviri ose.
Semuenzaniso, kana IRS inofunga kuti mutero anokwanisa kukwanisa kubhadhara mari yakawanda, saka chikamu chekubhadhara chikwereti chinokonzera chikamu chingatofanira kutaurirana zvakare. Muteresi anogona kukumbira kuongororazve panguva ipi zvayo kana mamiriro ake ezvinhu achichinja kusvika zvakadai kuti kubvumirana kubhadhara hakugone kuitwa.
Muteresi anokumbira sei chibvumirano chekubhadhara chikwereti? Vateresi vanofanira kutumira chikumbiro chakanyorwa chechibvumirano chekubhadhara chikamu chekubhadhara kune IRS Revenue Officer akagoverwa kumhosva yavo kana ku Automated Collection System unit inoshandisa akaunti yavo. Kana mubhadhari achida kugadzira chibvumirano chekubhadhara chikwereti chisati chasarudzwa zvisati zvaitika kune miviri miviri ye IRS inotaurwa pamusoro apa, chikumbiro chinyorwa chinogona kuendeswa kuChipatimendi Chebasa apo mubhadhadzi anotora mutero wake wokudzoka. A Collection Collection Statement (IRS Form 433A) inofanirawo kuendeswa, sechipiro chekuita.
Saka izvi zvinoreva here kuti mubhadhari anoda zvinyorwa zvose zvakafanana seChipo muCompromise, yakadai semwedzi mitatu yemitemo yebhangi, nezvakadaro?
Hungu, muteresi achada kuisa madhembedhi ekutsigira ruzivo pamusoro peChinyorwa Chekuzivisa Mashoko.
Kwete Zvinyorwa, Kubudirira Kwekuteresa Mutero, uye Kubhadhara Chipo muChirongwa
Zvakadini nevateresi vasina zvinyorwa zvishomanana kana vasina? Vanokwanisa here kukumbira Chipo muCompromise?
IRS inotarisira zvinyorwa kuti zvienderane neChitsuwa Chekuunganidza Chekuunganidza (Fomu 433A). Zvisinei, vamwe vateereri havachengetedzi mabhuku avo ebhangi uye paystubs. Ndinovaudza kuti "Ndichaita zvakanakisisa zvandinokwanisa iwe, zvichibva pamabhuku ako aunopa." Kazhinji IRS inoda nyaradzi dzekuchengetedza kana zvimwe dzicharega kubhadhara mari dzinodzingwa. Zvisinei, pane dzimwe nguva, IRS inobvuma kugadziriswa kwakanyorwa kwevashandi kana pane zvinyorwa zvishoma zvokuenderera mberi. Semuenzaniso, muteresi anotanga bhizimisi idzva angada kuenzanisa mari yake yemangwana nemari. Maitiro akadaro ekuwana mari anofanira kuve anonzwisisa.
Kutaura nezvebhizimisi idzva, dambudziko randinoona kakawanda mabhizimisi maduku anowira kumashure pamitero yavo yebhasiro. Unogona kubhadhara mitero nemitero yekuchengetedza mari yekugadzirisa mari inogadziriswa kuburikidza neChipo muCompromise?
Hongu, muridzi webhizimisi anogona kuedza kugadzirisa mitero yebhadharo uye zvikwereti kuburikidza nekupa mukutengesa. Kana kana bhizinesi kana vadzidzisi vemabhizimisi vasina kodzero yekubhadhara mitero yakazara, IRS inogona kugamuchira chipo mukutengesa.
Munhu anokwereta angakumbira Chipo muCompromise zvichienderana nokusava nechokwadi nezvekubatana, kusava nechokwadi semhosva, uye kubhadhara mitero yekutengesa. Zvishomanana zvakapiwa zvinoenderana nehutano hwekutengesa mitero zvakambomirirwa. Wati wamboona IRS ichibvumira hurumende yehutori hupi hupi hupi huri kugoverana?
Hongu, ndakaona IRS ichibvumira kupiwa mukutengesa zvichienderana nehutano hwekutengesa mitero. Hazviwanzo, zvakadaro. Chaizvoizvo, muteresi anofanira kuratidza kuti iye ari kutambura nhamo dzinoshamisa, zvakadai kuti kuunganidza mutero kwaizove kusinganzwisisiki uye kwete kwakarurama. Ndinogona kufunga nezvemhosva iyo mubhadhari aitambura nehutano hwehutano hunokosha, uye yakanga isina chokwadi kana aizorarama kwenguva yakakwana yekubhadhara chikwereti chake chemitero.
Mukupa mvumo inobva pakubhadhara mitero yakabhadhara, muteresi anoda kupa nhaurwa yakazara yemamiriro anokosha uye asinganzwisisiki pamwe chete nezvose zvakapiwa mukukanganisa zvinyorwa. Parizvino, mamiriro ezvinhu asinganzwisisiki aireva mararamiro ehupenyu uye kufa, zvakadai sekurapa kwakanyanya.
Chii chingave chakanaka kwekupa chibvumirano mukutengesa apo mubhadhari anonzwa kuti angafa nokukurumidza zvakadaro?
Kana muteresi ane chero ipi zvayo, pfuma yake inofanira kubhadhara mitero yemitero mushure mekufa kwomubhadhara. Kana pasina zvinhu, IRS haigone kuunganidza, uye mitero yemitero ichazopera. Saka, kana muteresi ane chero ipi zvayo, zvingave zvakakosha kuita chibvumirano chekugadzirisa ikozvino kubhadhara IRS.
Paunenge uchiisa Chipo muCompromise, muteresi anofanira kuratidza kuti anoronga sei kubhadhara mupiro wekupa. Vateresi vanogona kusarudza pakati pemari yemari yemari yekubhadhara kana mari yemwedzi pamwedzi makumi maviri nemana. Ndeipi chirongwa chekubhadhara iwe unowanzokurudzira?
Kazhinji, tinokurudzira kuti vateresi vatore mari yekubhadhara mukati memazuva makumi mapfumbamwe kwechiziviso chokuti IRS yakagamuchira kupiwa kwavo mukutengesa. Cash inopa hutano hwe IRS, uye saka IRS dzimwe nguva inoita izvi zvinopiwa nokukurumidza. Uyezve, IRS inofunga kuti pane mikana shoma yokuti mutero anokwanisa kutadza pane urongwa hwokubhadhara.
Uyewo, mari yekupa iyo inobva pakugadzirisa kunogona kuunganidza , izvo zvinosanganisira kuverenga kwemari inowanikwa pamwedzi pamwedzi inotevera 48 kana 60. Nekupa mari, IRS inowedzera mari inogona kuwanikwa pamwedzi 48. Neyo mwedzi wemwedzi wekubhadhara mwedzi makumi maviri nemana, IRS inowedzera mari inogona kushandiswa pamwedzi 60. Saka vateresi vanowanzova nani zviri nani nemari yekubhadhara kana vachikwanisa kubhadhara munguva shomanana. Kana zvisina kudaro, muteresi ari nani nepamusoro pemwedzi wekupiwa mwedzi makumi maviri nemana nekuda kwekunge kuchine chibvumirano chinogona kuverengwa, chero bedzi mashoko acho akakudzwa.
Ko muteresi anogona kuchinja pfungwa dzake pamusoro pemari yekubhadhara?
Hungu, mutero anokwanisa kushandura zvirongwa zvekubhadhara chero nguva isati yagamuchira kana kurambwa ne IRS. Zvisinei, kazhinji, haisi kuchinjwa kusvikira IRS idzoka nemugovera-kupa. Kushandura zvirongwa zvekubhadhara kuchashandura mwedzi wekuwana mari (kuwedzera kwe 48 kana 60). Vateresi vanofanira kunge vari kushanda pamwe chete nevadzidzisi vavo vemitero kuti vave nechokwadi chokuti vanosarudza chero chirongwa chekubhadhara chakanaka kwavari.
Kuzviita Iwe pachako kana Kuwana Mutero Wemitero
Kutaura nezvekushanda nemudzidzisi wezvemitero, kupa kwekugadzirisa ndeyekuita kwenguva refu uye yakaoma. Ko mubhadhari anofanira kuedza kuisa chipo pakuzviisa pasi, here kana kuti anofanira kukwereta unyanzvi hwemitero?
Kazhinji, vateresi vanofanira kutsvaga mazano kune unyanzvi hwemitero ane ruzivo pavanenge vachiedza kugadzirisa matambudziko avo emitero. Chipi nechipi chinopesana chinogona kana kuti chisingave chiri chigadziro chinogadzirisa chinetso. Kana muteresi ari mari inopfuura madhora gumi nemakumi maviri emitero, vanogona kutarisa dambudziko ravo pachavo nekushevedza IRS nekukumbira hurongwa hwekubhadhara. Kana vane chikwereti pakati pe $ 10 000 uye $ 25,000, vanofanira kubvunzurudza nyanzvi yezvemitero pamusoro pezvavanowana. Kana ivo vane chikwereti chinopfuura $ 25,000, vateresi vanofanira kunge vari kushanda nemunhu ane ruzivo rwezvemitero.
Chii chinofanira kuwanikwa nemubhadhara muteresi wezvemitero kuti avabatsire kugadzirisa mitero yavo yemitero?
Vateresi vanofanira kunge vari kutsvaga nyanzvi yezvemitero ine ruzivo rwakakosha mumatambudziko ekuunganidza IRS, kunyanya ruzivo mukubata nevatariri vemari, Automated Collection Systems division, uye Zvikwereti. Vanofanira kuziva kuti makore mangani muteresi wemitero ave achishanda pamwe neyekuunganidza nyaya. Uyezve, vateresi vanofanira kunge vari kutsvaga chiremba ane ruzivo rwakakwana rwezivo, kunyanya pamusoro pemitemo yekusungirwa kwematokisi emitero. Nyanzvi inofanirwa kubvumirwa kuti iite pamberi pe IRS, yakadai senhengo yakanyoresa, gwaro redzimhosva revanhu, kana muteresi wemutero.
Kazhinji, mutengi achatanga kutsvaga rubatsiro rwemitongi wavo. Havasi varairi vose vanonyanya kuzivikanwa muzvikamu zveRS. Zvisinei, gweta rinogona kukubatsira kuti uongorore vadzidzisi vemitero uye ugoita mazano pamusoro peiyo nyanzvi yezvemitero inoita seyakakosha kubatsira.
Kupa Mukugadzirisa Nzira, Mafambisi Anyanzvi, Mutemo Wegore Wegumi
Pane imwe nguva muteresi anosarudza nyanzvi yemitero kuti abatsire kugadzirisa mitero yavo yemitero, ndeipi nzira?
Zvose zvinotarisana nemuteresi akasiyana nemamiriro emari. Tinotanga nekugadzira dare rezvemari rinoratidza mari yevashandi nemari.
Zvinotora nguva yakareba sei kupedzisa chipo mukutengesa, kubvira pakutanga kusvikira pakupedzisira?
Izvo zvose zvinoenderana nekutsanya kweiyo IRS inoshandisa kupa. Ndinoudza vatengi kuti inotora chero ipi zvayo kubva pamwedzi 6 kusvika kumakore maviri. Ikukurumidza kupfuura iyo yandakaona IRS chirongwa chinopa mwedzi mina. Yakareba yaiva makore maviri nehafu.
Kushandisa unyanzvi hwekuteresa kugadzirira kupa mukutengesa kunogona kudhura. Chii chinofanira kutarisirwa nevatengi kubhadhara?
Mutengo wekugoverwa mukukanganisa uye mamwe mabasa ekumiririra kweRS achasiyana. Iyo inowedzera zvakaoma nyaya yacho, iyo yakakwirira mari yokubatsira rubatsiro. Chipiro chekugadzirisa, iwe pachako pachako, chichasvika madhora 2 500, akawanda kana zvishoma, zvichienderana nezvakaoma sei nyaya yacho. Zvisinei, vatengi vanowanzodikanwa kupfuura kungoita kugoverana. Vangadawo kugadzirira mitero. Saka mari yose inowanzoenderana nekuoma kwechiitiko chacho uye kuti rubatsiro rukuru rwunotarisirwa nemutengi.
Pasi pose, zvinoratidzika sechipo mukunyoreswa kwepurogiramu isarudzo yakanaka yevateresi vasina kukwanisa kubhadhara mitero yavo yemitero yakazara. Pane kuipa kupi nekupikira kupiwa kwekukanganisa?
Kupa mukutengesa chinhu chimwe chekushandisa matanho emitero. Vateresi vanofanira kubvunzurudza unyanzvi hwekuteresi kuti vaone kana kune imwe nzira yechikwereti chemitero, yakadai sechibvumirano chekugadzirisa kana kubhadhara, chiri chakanaka kwavari. Izvo zvakanyanya kusagadzikana kune chipo mukutengesa ndechokuti kuisa chipo, kunonoka mutemo wemakore gumi pakuunganidza mitero yemitero . IRS ine makore gumi kutora chikwereti chemitero, asi makore gumi ane makore akamira apo IRS iri kugadzirisa chipiro chekutengesa. Izvi zvinoreva kuti IRS inogona kuva nenguva yakawanda yekuunganidza pamatokisi emitero kana kupiwa mukutengesa kunorambwa.
Zvimwe Pamusoro paDavid A. Bauman naJK Harris
David A. Bauman ane makore anopfuura makumi maviri emakore ekugadzirira kwemitero, makore gumi nemashanu semunhu anozvishanda mutero uye makore mashanu seMutungamiriri weRitatimendi yeBlack Nation Bank. VaBauman vakawana chikwangwani chake cheEgrled Agent muna July 1987 uye vakamirira vateresi pamberi peFederal uye State Agencies kwemakore manomwe apfuura munzvimbo yekuunganidzirwa. Akapiwa Gulu Rinobatsira Rakanaka paJK Harris, VaBauman vanomiririra vatengi vanobatanidzwa muhotera yepamusoro uye zvakanyanya zvakaoma nyaya nebhizimisi.
JK Harris & Company, LLC , yakagadzirirwa kuNorth Charleston, SC, ndiyo yakawanda yehurumende inomiririra firimu uye yakashanda vanopfuura 175 000 vatengi kubva pakusikwa kwayo muna 1997 naJohn K. Harris. JK Harris vadzidzisi vanogona kusangana nevatengi munzvimbo dzinopfuura 450 munyika yose nekugadzwa chete. Iyo kambani inopawo rubatsiro kune mutengi uye chikwereti chezvokutengeserana, chikwereti chemari chikwereti, chikwereti chekutsvaga mari, kubhadhara mari, kubhadhara mutero wekubhadhara, uye kugadziriswa kwekuongorora