May 11, 2026

Tax Talk 4 U IRS Collection Process

Tax Talk 4 U IRS Collection Process
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Season 4

Tax Talk 4 U IRS Collection Process The IRS collection letter sequence usually follows a strict, escalating timeline designed to notify taxpayers and demand payment before seizing assets. The typical sequence is CP14 → CP501 → CP503 → CP504 → LT11/Letter 1058. This process usually spans several months, starting with an initial notice of a balance due and ending with a final warning of intent to levy (seize) assets. What is the IRS Collection Process. IRS Collection IRS Levies

Tax Talk 4 U is broadcast live Mondays at 10AM ET and Music on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Tax Talk 4 U is viewed on Talk 4 TV (www.talk4tv.com).

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WEBVTT

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The topics and opinions express in the following show are

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solely those of the hosts and their guests and not

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those of W FOURCY Radio. It's employees are affiliates. We

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make no recommendations or endorsements for radio show programs, services,

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or products mentioned on air or on our web. No

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liability explicitor implies shall be extended to W FOURCY Radio

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or its employees are affiliates. Any questions or comments should

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be directed to those show hosts. Thank you for choosing

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W FOURCY Radio.

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Barry G.

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Fouler EA brings you tax talk for you right here

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on W four CY Radio and talk for TV. As

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an enrolled agent and a national leader in tax resolution

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as well as Trucker bookkeeping and tax planning. With over

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thirty years of experience, Barry will break down taxes, bookkeeping,

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tax planning, and tax relief for individuals and businesses just

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like you. So let's have some tax talk for you

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with your host, Barry G.

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Hey, Good morning and welcome man. We just finished a

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great show with Asked the Experts nationwide program they were

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also broadcasting on TikTok's. We had a lot of great questions.

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So if you've come over from Ask the Experts. Welcome.

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Steve O there at the end was talking goes man,

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how are you going to do this? You just did

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an our program with us, and now you're rolling into

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tax talk for you with another hour program. I told him,

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as said, man, tune in just like everybody else to

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hear our program every Monday at ten am Eastern time

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here on W four c Y Radio and you can

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find out how we do this. We just enjoy helping

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talking about taxes. And today, you know, of all days, God,

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what a way to start your Monday talking about what

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the I R. S Collection cross. So you know, if

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you don't owe the IRS, there is no collection process. Okay,

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maybe an audit or something like that that could happen,

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but they're not coming after you for money to owe

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because you don't know anything. But when you owe money

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to the IRS, you know whether it's your very first

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time ever doing it. IRS has a structured election process,

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so this is structured by law, so they've got to

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actually do these things. Now. As we talked about and

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asked the experts, you know, if they send out the

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letters and you've moved and you don't get the letters, well,

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it's your fault because you didn't give them an updated address,

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and it's considered deemed received whether you've got them or not.

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If your spouse gets the letters and throws them away,

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then they are still deemed received, so you've still received them,

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and therefore it continues the collection process down the road.

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And you will see most of these letters at the

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IRS n S. If you were married filing joint, they're

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going to send them to both spouses. So, yes, it

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may be redundant, Yes it may be multiple mailings, but yes,

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it's considered their process of actually doing collections against you

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and your spouse when you're married filing joint. Now, if

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you were married filing separate, only the spouse that is

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owing the money going to receive that letter. If you

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were single, of course it's just you or head of household,

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it is just you. So you know, you can look

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at how the IRS is doing this collection process as

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against everybody who owes money on that tax return. So

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when they're doing this collection process again, if you're married

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filing joint, it's going after both you and your spouse

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that were both signers on the return. Now, remember every

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return has two signature spots. One for the taxpayer and

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one for the taxpayer spouse. So depending on how you're

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listed out there, you still both have to sign and

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take responsibility for that return. So we can also talk

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maybe you know, later next week about innocent spouse. If

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something happens that you owe money and you didn't really

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have the opportunity on it, you might potentially, you know,

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fall for innocent spouse. But again, until you receive that,

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you are both jointly liable for that tax debt on

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that joint filed return. So if you don't pay your

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tax when you file your tax return, you're going to

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receive a bill for the amount you owe, and that

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bill actually starts the collection process and then it's the

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process is going to continue until your account is satisfied

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or the IRS and no longer legally collect the tax.

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So the first thing the IRS is going to do

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is send you a letter CP fourteen, which is their

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initial demand. It's the first notice that you are going

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to receive when you owe the taxes, and they're demanding

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your payment for the balance plus penalties and interest. Now,

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that first notice is going to explain the balance due.

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It's going to include the amount of tax it's going

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to show how much in penalties, how much interest has

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accrued on your unpaid balance from the date the tax

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was due, which is April fifteenth. Then the unpaid balance

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is continuing to be subject to interest that compounds daily

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and a monthly late payment penalty up to the max

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moment allowed by law. So at this point it's in

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your best interest to pay your full liability as soon

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as possible. Hey, you got the money, pay it prevent

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more interest and more penalties from accruing, and you know

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it'll help you minimize those charges. Now, if you don't

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have the money, you're going to be like many, many,

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many many taxpayers that we know, and you are going

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to probably ignore it. So that does not solve the problem.

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Sticking your head in the sand and ignoring it. Throwing

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that envelope away with the IRS notice doesn't help you

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one iota across the board. To reduce penalties and interest

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on this, you might consider methods of fully financing payment,

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maybe through alone, mortgage, you know, helock, even possibly credit

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cards depending on your interest rates over there as well,

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all possibilities of things that are happening. But if you

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don't have any of that, then maybe it's a payment

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plan with the I R S. What you always want

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to do before you go on finance is look at

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the interest rate with the IRS, look at what the

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penalties you're going to be, and make a determination what's

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going to be your best route. You're getting this paid now,

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you know you can start addressing this and put it

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in a payment plan. You can start addressing this immediately

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as soon as this has been assessed against you, so

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that you can stop the IRS collection activity against you.

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And it's not necessarily going to stop all the letters

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that you get from the I R S. As a

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matter of fact, you're going to get even if you

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went into an installment agreement. You know date one on

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your debt, they'll send you a letter every year reminding

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you of how much money you owe, just so that

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you are kept up to date, how much you've paid

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on this debt and how little it's gone down because

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of the interest and penalties they've continued to accrue until

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they hit the max penalties allowed by law, and then

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the interest will continue until it's paid off. So it

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becomes a very very hard item. And if you just

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want an installment agreement, you can either go online and

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do an installment agreement for full pay, or you can

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file it for ninety four sixty five and do an

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installment agreement quest and mail it in with your bill,

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and if it's been to full pay it they're going

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to accept it. You can bomb with your life and

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have it full paid. However, if you owe more than

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fifty thousand, then that they're going to reject it and

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ask for a four to thirty three. So that is

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just the beginning of your fund and I use the

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term fun closely, so it's just the beginning tip of

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the iceberg of the I r S collection activity. It

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continues to mount and build from there. So you get

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that first initial letter, that first reminder within you know,

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the first five to six weeks you're going to you know,

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get that notification. And then five to six weeks later,

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if you haven't done a payment, you haven't set up

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installment agreement, you haven't had any response whatsoever, you're going

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to get CP five oh one notice as in an

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upper right hand corner of every letter. They're going to

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have that CP number. You can actually track these things

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through and see what notice you're at to know how

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bad we've got to take that next collection activity to

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stop the IRS. But you're going to get CP five

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zero one, which is your first reminder basically reminding you, hey,

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you have this ode, please pay this Here's the date

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you need to pay it by to avoid additional penalties

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and interest, and they'll calculate all the penalties and interest

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up to that date so you know you can get

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that tax debt paid as soon as possible. So you know,

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the IRS is trying to find ways to make sure

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that you remember that you owe them like you're gonna forget.

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But out of side, out of mind, right if they're

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not doing collection activities and sending your notifications, that's the

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last thing that's on your mind is paying Sam, even

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though it's on your mind that Uncle Sam may take

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items from you. Now, we're gonna take quick break where

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you continue talking about IRS notices and where we continue

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to move as we go down the road. We're going

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to do that right after them.

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We have only scratch the surface of today's show. Please

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stand by as Barry G. Fowler will be right back

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with tax talk for you. If you own the IRS

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or are going through an IRS audit, don't go at

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it alone. Call Taxation Solutions, Tax relief at eight eight

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eight nine three zero one zero one six. We are

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your solution for IRS, debts, audits, back taxes, garnishments, leans

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and levees. Whether you're an individual or business, you need

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a solution and a strong, aggressive tax resolution. Don't let

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the IRS walk all over you. Stop the IRS now

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call eight eight eight nine three zero one zero one

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six or go to Taxationsolutions dot net now for a

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free no obligation consultation. Let's get back to tex stalk

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for you with more tax stock once again. Here's your host,

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Barry G. Fallo.

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Hey, welcome back. You know you get an I R

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S letters. Which letter are you on? Tell us the

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letter number in you know, in the chat, and let's

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talk about your I R S letter and what you

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should be doing with that I R S letter today

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besides throwing in a circular file here. You know, what

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we want to do is make sure that you know, hey,

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if you owe the I R S, you're finding the

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way to uh make collections work for you and getting

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the best deal you know possible. You know, that's what

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the name of the game is. You know, if you

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want to call dealing with the I R S a

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game you know, it's one of those games that you

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could easily lose if you're not careful in what you're

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trying to do when the I R. S Is coming

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at you for collections. So you receive that first note

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to CP fourteen telling you your initial bill, here's what

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you owe penalty and interest to pay it. Then you

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got the CP five oh one, which is your first reminder. Hey,

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wake up, Joe. You know you still owe us money.

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It's been you know, five to six weeks since we

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sent you the first one, and we haven't heard from

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you and you're not paying us. Then you've ignored that one,

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and you get CP five oh three. This is your

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second notice, and that sent four to six weeks after

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the CP five oh one. So you got your first

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notice somewhere around four or five weeks after you filed

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and it was accepted. Then five to six weeks later

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you got your second notice, and then another four to

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six weeks you get your third notice. Now this notice

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is being a little more demanding, telling you more and

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more that you need to start addressing this problem immediately.

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You know they're not taking any of their action aroun

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at this point other than notifying you they're about to,

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and you know that next action is going to be

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the notice CP five oh four and it becomes that

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final notice of intent to levy. This is serious. This

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is telling you that the IRS intends to seize your

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state tax refunds and other assets such as bank accounts, wages.

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If you're a contractor, they can go after those. You're

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working for that ISSUU ten ninety nine's so they can

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go after all those people right there and basically start

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those collection activities. This is serious, folks. This is not

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a stick your head in the sand and hope and

227
00:14:53.720 --> 00:14:58.240
pray that they don't levy, because maybe you're hoping and

228
00:14:58.320 --> 00:15:00.600
praying that they don't know where you're bank. You know,

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now yours can find it out. As a matter of fact,

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you know, we were dealing with a client who i

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00:15:07.000 --> 00:15:10.840
RS was working on offer and compromise with us, and

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they came back to us and told us that, hey,

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he had other accounts at another bank that potentially could

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be still open. They don't know, but we had to

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get documents proving that those accounts were closed. So they

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were able to find accounts out there that had been

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closed for a couple of years. So don't think that

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they can't find the accounts where you have money, and

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00:15:35.039 --> 00:15:38.600
don't think the I r S when they do finally

240
00:15:39.080 --> 00:15:42.159
levy your bank accounts, don't do it around you and

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you get paid for some reason. They were able to

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00:15:45.279 --> 00:15:47.799
figure that out as well. When you have the most

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00:15:47.879 --> 00:15:51.720
money to lose in your account and it gets your attention,

244
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then the I R S is going to send you

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letter one zero five eight LT eleven Notice of Intent

246
00:16:01.759 --> 00:16:08.600
to levy. This one is certified. This is the final

247
00:16:09.399 --> 00:16:15.840
step before severe action against you and your accounts. It

248
00:16:15.919 --> 00:16:20.840
also details your right to a Collection to Process Hearing

249
00:16:21.000 --> 00:16:27.519
CDP hearing to where you can have a hearing over

250
00:16:27.600 --> 00:16:35.000
their process and potentially stop activities for levees against your

251
00:16:35.000 --> 00:16:39.159
bank account, wage garnishments and everything else. Now this letter

252
00:16:39.240 --> 00:16:42.039
comes out and you generally have about thirty to forty

253
00:16:42.039 --> 00:16:45.840
five days before the IRS actual levee your bank account.

254
00:16:45.879 --> 00:16:50.679
It's almost a guarantee that the IRS will levy your

255
00:16:50.759 --> 00:16:54.440
bank account. So you know, don't think going and opening

256
00:16:54.440 --> 00:16:56.759
a new account immediately is going to help you, because

257
00:16:56.799 --> 00:16:59.759
they'll probably find that one as well. And if your

258
00:16:59.840 --> 00:17:02.759
high up in banks, they're going to figure that out

259
00:17:03.120 --> 00:17:07.400
somewhere down the road, but it is time to make

260
00:17:07.440 --> 00:17:10.119
sure that you got your mortgage paid or your rent

261
00:17:10.200 --> 00:17:12.759
paid and other things paid before they pull this money

262
00:17:12.759 --> 00:17:16.400
out of your account, because once they take it, you

263
00:17:16.640 --> 00:17:20.759
become very hard pressed to go back and get money

264
00:17:20.799 --> 00:17:25.079
back from the IRS. Now, as they asked on as

265
00:17:25.240 --> 00:17:29.039
the experts, you know, can you get money back from

266
00:17:29.359 --> 00:17:33.920
the IRS they've done a bank levy. Yes, no, and

267
00:17:34.079 --> 00:17:37.720
maybe there are times we're able to get some, if

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00:17:37.799 --> 00:17:41.319
not all, the money back from the government because they

269
00:17:41.359 --> 00:17:44.119
have one they haven't received it yet, it's still sitting

270
00:17:44.160 --> 00:17:46.599
at the bank. The bank has about thirty days to

271
00:17:46.720 --> 00:17:50.200
transmit that money to the IRS to give you time

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00:17:50.279 --> 00:17:52.519
to fight with the IRS. To get the money back,

273
00:17:52.960 --> 00:17:56.279
we would have to prove that it is necessary to

274
00:17:56.359 --> 00:18:00.759
cover existing living expenses or if it was a business

275
00:18:00.799 --> 00:18:05.759
account that was levied, money needed to make payroll or

276
00:18:06.200 --> 00:18:10.400
continue to make other payments to keep the business afloat.

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It takes a lot of work to get those things done,

278
00:18:13.559 --> 00:18:18.680
but it can be done depending on your life situation.

279
00:18:19.000 --> 00:18:21.680
So you know, we've kind of got to work through

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this as best as possible to make sure that it

281
00:18:26.240 --> 00:18:29.720
works and we can get the money back based on

282
00:18:30.319 --> 00:18:33.960
you know, each scenario that's out there, and everybody scenario

283
00:18:34.200 --> 00:18:37.039
is different, but it shouldn't get to that point. You know,

284
00:18:37.119 --> 00:18:43.440
you got CP five before, before this LT eleven, they

285
00:18:43.440 --> 00:18:46.200
were being serious. They were going to go after levee

286
00:18:46.240 --> 00:18:50.720
and your bank accounts and state tax refunds, wages and stuff,

287
00:18:51.039 --> 00:18:53.200
and we should already be dealing with it from there

288
00:18:53.240 --> 00:18:56.279
if we weren't already dealing at the CP five oh three.

289
00:18:56.799 --> 00:18:59.359
So you know, we want to get ahead of the problem,

290
00:19:00.079 --> 00:19:05.279
avoid the major problem of a bank or wage levy

291
00:19:05.680 --> 00:19:08.759
because once it hits that stage, you know they got

292
00:19:08.759 --> 00:19:10.920
your attention. You know you're going to have to deal

293
00:19:10.920 --> 00:19:14.480
with it. You should have already been dealing you know, again,

294
00:19:14.839 --> 00:19:18.960
the I R S wants to uh make sure that

295
00:19:19.400 --> 00:19:23.559
you're aware of this tax dead and what they're going

296
00:19:23.720 --> 00:19:26.720
to do to you now. You know, I hate to

297
00:19:26.720 --> 00:19:29.440
put it in these terms. I can't even imagine breaking

298
00:19:29.519 --> 00:19:32.400
up and finding out that, you know, the I R

299
00:19:32.559 --> 00:19:35.960
S levy my bank account took everything I had my

300
00:19:36.359 --> 00:19:39.640
bank accounts. I can't even imagine, you know, the kind

301
00:19:39.680 --> 00:19:43.039
of feeling you have when you've got to tell your

302
00:19:43.079 --> 00:19:46.359
wife that the I R S just took everything out

303
00:19:46.359 --> 00:19:51.119
of your accounts and there is nothing left in them

304
00:19:51.160 --> 00:19:56.200
to buy food groceries, uh, make the mortgage payment, rent payment,

305
00:19:56.200 --> 00:19:59.839
car payment, whatever, insurance payment, all these things and everything

306
00:20:00.039 --> 00:20:03.480
their world is bouncing. And when things like that start bouncing,

307
00:20:03.559 --> 00:20:07.000
then the fees continue to mount, not just the fee

308
00:20:07.400 --> 00:20:10.680
on the bank levy, but then the fee in your

309
00:20:10.680 --> 00:20:14.000
account for everything that the IRS took out of there

310
00:20:14.039 --> 00:20:16.680
that you didn't have money now to pay. And now

311
00:20:16.720 --> 00:20:20.920
everybody's looking at you, going, Haynded need money. You got

312
00:20:20.960 --> 00:20:23.039
to keep electricity on it, you got to pay the rent,

313
00:20:23.079 --> 00:20:26.880
you got to pay the car payment, the insurance payment. Well, folks,

314
00:20:28.400 --> 00:20:32.240
that sets you up for the worst nightmare. And just

315
00:20:32.319 --> 00:20:34.960
imagine what your spouse is going to do to you

316
00:20:35.000 --> 00:20:37.640
when you have to explain to them, you know, all

317
00:20:37.759 --> 00:20:42.480
these things that just happened because you weren't manning up

318
00:20:42.640 --> 00:20:46.799
and dealing with tax problem, or you started dealing with

319
00:20:46.839 --> 00:20:48.759
the pre tax problem but figured out you didn't have

320
00:20:48.799 --> 00:20:50.960
the money and you just started ignoring it. And now

321
00:20:51.000 --> 00:20:54.799
the revenue officers mad, and they're coming after everything that

322
00:20:54.880 --> 00:20:58.400
you have and own, and you know you don't have

323
00:20:58.440 --> 00:21:01.599
a defense other than you know, maybe setting up a

324
00:21:01.640 --> 00:21:05.880
payment plan with them or something. But you know they

325
00:21:05.920 --> 00:21:09.960
took the ability to do that away from you when

326
00:21:09.960 --> 00:21:12.240
they gave you the wake up call because you stuck

327
00:21:12.279 --> 00:21:14.759
your head in the sand and ignored it, or you decided, hey,

328
00:21:14.839 --> 00:21:18.680
they hadn't done anything yet, so why do they need

329
00:21:18.720 --> 00:21:22.720
to do anything today? And I'm not sure those things

330
00:21:22.799 --> 00:21:25.799
would sit right. So the IRIS is also going to

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00:21:25.799 --> 00:21:29.039
send you a notice of federal tax line and we're

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going to talk about federal tax lines right after this

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quick break.

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We have only scratched the surface of today's show. Please

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00:21:37.319 --> 00:21:40.839
stand by as Barry Chief Fowler will be right back with.

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Tax talk for you.

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00:21:45.039 --> 00:21:48.160
As an owner operator, you already spend too much time

338
00:21:48.200 --> 00:21:52.000
away from your family. Trucker Tax Tools handles all your

339
00:21:52.000 --> 00:21:55.240
bookkeeping in taxes. No matter what level trucker you are.

340
00:21:55.480 --> 00:21:58.680
Life on the road can be taxing, but that doesn't

341
00:21:58.720 --> 00:22:02.039
mean that your wallet or time with your family should suffer.

342
00:22:02.599 --> 00:22:06.519
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343
00:22:06.599 --> 00:22:09.400
Trucker tax Tools dot com for a free guide that

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00:22:09.480 --> 00:22:13.119
will give you the tools to never worry about your

345
00:22:13.160 --> 00:22:17.680
taxes again. Call Trucker Tax Tools eight seven seven nine

346
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sixty six two four seven seven or go to trucker

347
00:22:21.960 --> 00:22:25.519
Tax Tools dot Com now and let the experts keep

348
00:22:25.559 --> 00:22:31.440
you trucking. Let's get back to tax stock for you

349
00:22:31.519 --> 00:22:36.480
with more tax stock once again. Here's your host, Barry G.

350
00:22:36.720 --> 00:22:37.079
Fallon.

351
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Hey, welcome back. Before we get into a wonderful letter

352
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thirty one two the Notice of Federal Tax Lane. I'm

353
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gonna answer a couple of quick questions we had out here.

354
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Doesn't the IRS give you time to set up a

355
00:22:56.920 --> 00:23:02.279
payment plan with each noticebsolutely? So the I R S

356
00:23:02.880 --> 00:23:08.799
offers with each step each letter a roughly a thirty

357
00:23:08.880 --> 00:23:14.200
day forty five day window to resolve the tax problem.

358
00:23:14.480 --> 00:23:17.640
You know, they're not gonna do anything, you know, for

359
00:23:17.680 --> 00:23:20.039
a period of time with each letter that is sent,

360
00:23:20.720 --> 00:23:24.839
so it gives you the rights to, you know, set

361
00:23:24.880 --> 00:23:28.000
up that payment plan, or make other arrangements or put

362
00:23:28.000 --> 00:23:31.759
holds in place, or you know, maybe you're trying to

363
00:23:31.759 --> 00:23:34.200
get loans. They'll give you time to do those kind

364
00:23:34.240 --> 00:23:37.160
of things. It's communication with the I R S to

365
00:23:37.200 --> 00:23:40.400
be able to do it. But they definitely with you know,

366
00:23:40.480 --> 00:23:43.279
each letter, whether it's the CP five OHO you know

367
00:23:43.400 --> 00:23:48.640
three CP five oh four or the LT eleven, they're

368
00:23:48.680 --> 00:23:52.839
giving you roughly thirty days to respond or protect your rights,

369
00:23:53.680 --> 00:23:56.880
whether it's an appeal or collection, due process hearing or whatever.

370
00:23:57.759 --> 00:24:01.640
Maybe you have right. It's out there and they give

371
00:24:01.680 --> 00:24:06.200
you the time to do it, so make useful time.

372
00:24:06.599 --> 00:24:09.359
Make use of that time to figure out what your

373
00:24:09.359 --> 00:24:13.920
solution needs to be so that you can do that

374
00:24:14.000 --> 00:24:18.440
within the window that they give us. Now, when you

375
00:24:18.519 --> 00:24:24.160
have tax do DIRS. The IRS can and may file

376
00:24:24.920 --> 00:24:28.359
a tax line, So they send you a notice of

377
00:24:28.440 --> 00:24:33.359
Federal tax line form letter thirty one seventy two. It's

378
00:24:33.640 --> 00:24:39.200
usually sent independently informing you that a public legal claim

379
00:24:39.359 --> 00:24:45.680
has been placed on your property. So, if you have property,

380
00:24:46.200 --> 00:24:52.000
this is a federal tax lien which goes against all

381
00:24:52.240 --> 00:24:58.799
property that you own or acquire even after the link arises.

382
00:24:59.119 --> 00:25:03.119
So the federal tax line arises automatically when the IRS

383
00:25:03.160 --> 00:25:06.319
sends the first notice demanding payment of the tax debt

384
00:25:06.440 --> 00:25:11.279
assessed against you, and you fail to pay the full amount.

385
00:25:11.799 --> 00:25:15.400
The filing of this, you know federal tax liene may

386
00:25:15.720 --> 00:25:21.319
affect your ability to obtain credit, although I also understand

387
00:25:21.359 --> 00:25:25.920
that it's not also appearing on major credit reports, but

388
00:25:25.960 --> 00:25:29.400
they can find the liens that are out there against properties.

389
00:25:29.440 --> 00:25:32.039
If you go to sell your house, the title company

390
00:25:32.119 --> 00:25:34.559
will see the lien and pull the funds to pay

391
00:25:34.720 --> 00:25:38.279
and satisfy the lien. If there's enough money there or

392
00:25:38.519 --> 00:25:42.599
the portion of that lien that it could pay. Your

393
00:25:42.599 --> 00:25:44.559
mortgage company is still going to be the first that

394
00:25:44.640 --> 00:25:49.079
gets paid, but the second. Any money left over beyond

395
00:25:49.160 --> 00:25:52.519
your mortgage is going to go to pay your debt

396
00:25:52.720 --> 00:25:56.759
with the IRS. You know, once they have the lien,

397
00:25:57.079 --> 00:26:01.559
the i RS generally don't doesn't really the lean until

398
00:26:01.599 --> 00:26:06.400
the tax, penalties, interest and recording fees are all paid

399
00:26:06.599 --> 00:26:10.680
in full, or until the IRS may no longer colluct

400
00:26:10.759 --> 00:26:13.559
the tax. Now, remember there is a statute of limitations

401
00:26:13.960 --> 00:26:17.839
on all tax and that's ten years from assessed, plus

402
00:26:18.200 --> 00:26:22.799
any days that there is a stay in the statute

403
00:26:22.759 --> 00:26:25.799
of limitations from things like filing for collection due process

404
00:26:25.799 --> 00:26:30.279
hearings of filing for non collectible status, or even filing

405
00:26:30.319 --> 00:26:33.119
for offers and compromise. So there are certain things that

406
00:26:33.240 --> 00:26:37.559
will stop the statutes from running. So you got to

407
00:26:37.599 --> 00:26:40.799
look at what you're doing to determine whether it's worth

408
00:26:40.839 --> 00:26:44.400
stopping those statutes or not. If you're really close to

409
00:26:44.480 --> 00:26:46.880
some of the tax years from falling off, because it's

410
00:26:46.880 --> 00:26:50.160
close to ten years, there may be ways we can

411
00:26:50.240 --> 00:26:53.000
delay to let some of that tax dead fall off

412
00:26:53.440 --> 00:26:59.720
before we do anything that impacts those statual limitations as well.

413
00:27:00.039 --> 00:27:06.839
So if you've paid off your tax in full, then

414
00:27:06.920 --> 00:27:09.920
the i r S will generally release the line within

415
00:27:10.039 --> 00:27:16.720
thirty days after you had leap full payment. In certain circumstances,

416
00:27:17.240 --> 00:27:20.240
you know, they don't reduce it even when it's paid

417
00:27:20.240 --> 00:27:23.480
in full right away, and you have to appeal to

418
00:27:23.519 --> 00:27:27.559
the I r S to get those lines moved. But

419
00:27:27.880 --> 00:27:31.160
it is one of those things that you can do

420
00:27:32.759 --> 00:27:37.079
to get removed. Now, there are certain circumstances that we

421
00:27:37.200 --> 00:27:40.759
can get the i r S to withdraw the notice

422
00:27:40.759 --> 00:27:43.440
of federal tax lane even when you still owe the

423
00:27:43.519 --> 00:27:48.839
tax debt, you know, and it's there's certain factors out there.

424
00:27:50.119 --> 00:27:53.519
The first one is that federal tax lane was not

425
00:27:53.680 --> 00:27:56.720
filed according to I r S procedures. If they operated

426
00:27:56.759 --> 00:27:59.880
outside of I r S procedures to get this fouling

427
00:28:00.039 --> 00:28:03.640
of this tax line, it can be removed. Interesting part

428
00:28:03.759 --> 00:28:06.319
is is then they all turn around follow procedures and

429
00:28:07.039 --> 00:28:10.279
put the lien back on. So but it may buy

430
00:28:10.319 --> 00:28:13.440
you a little bit of time in between, maybe a

431
00:28:13.559 --> 00:28:18.519
chance to refinance these property or something. And then pay

432
00:28:18.519 --> 00:28:20.559
off the tax debt and then never see the line again,

433
00:28:20.720 --> 00:28:25.200
So there's always that possibility. The second one, you entered

434
00:28:25.240 --> 00:28:29.960
into an installment agreement to satisfy the liability, you know

435
00:28:30.319 --> 00:28:34.839
that is a possibility as well, unless the installment agreement

436
00:28:34.920 --> 00:28:38.759
provided for the notice of tax lien, so you know

437
00:28:38.839 --> 00:28:40.759
there are ways to get it removed when you're in

438
00:28:40.799 --> 00:28:45.559
an direct debit installment agreement, but then other times it's

439
00:28:45.720 --> 00:28:51.839
not going to go away. Third one is if the

440
00:28:51.880 --> 00:28:54.920
I R S withdrawals the notice of federal tax line,

441
00:28:55.519 --> 00:28:59.319
it gives you the ability to pay your taxes more quickly.

442
00:29:00.960 --> 00:29:05.039
That can be an option out there. Have not seen

443
00:29:05.240 --> 00:29:11.480
that one happen unless you're maybe doing some financing something

444
00:29:11.599 --> 00:29:15.880
that allows them to be able to you to be

445
00:29:15.920 --> 00:29:19.000
able to pay off the debt quicker as though withdraw it.

446
00:29:19.400 --> 00:29:22.799
And the last one is with your consent or that

447
00:29:23.039 --> 00:29:28.079
of the national taxpayer advocate, withdrawing those federal tax lines

448
00:29:28.119 --> 00:29:30.799
in your best interest and in the best interest of

449
00:29:30.799 --> 00:29:33.680
the government. So really they don't really care about your

450
00:29:33.720 --> 00:29:38.160
best interest. They're really concerned is the best interest of

451
00:29:38.359 --> 00:29:41.920
the federal government. If they were concerned about your best interest,

452
00:29:41.960 --> 00:29:46.599
maybe the tax system would be different, and you wouldn't

453
00:29:46.599 --> 00:29:49.119
be owing tax money. Maybe maybe that's your best interest

454
00:29:49.480 --> 00:29:53.960
A who knows, you know, So you've got to be

455
00:29:54.039 --> 00:30:00.119
aware the IRS does the collection activity. You know, the IR,

456
00:30:00.480 --> 00:30:04.640
if they followed all their procedures, has the ability to

457
00:30:04.759 --> 00:30:09.599
the level or seize assets such as your wages, your

458
00:30:09.680 --> 00:30:15.880
bank accounts, social Security retirement income. Right. They can also

459
00:30:16.119 --> 00:30:22.119
seize your property, your car, your boat, real estate, and

460
00:30:22.160 --> 00:30:27.119
then they turn around and sell that property to try

461
00:30:27.160 --> 00:30:32.000
to help satisfy tax debt. They can also take any

462
00:30:32.119 --> 00:30:37.079
future federal tax refunds state income tax refunds that you

463
00:30:37.400 --> 00:30:41.599
may doe. They can seize that and then apply it

464
00:30:41.640 --> 00:30:45.960
to your federal tax liability. So they have the ability

465
00:30:46.480 --> 00:30:52.039
through their collection process to satisfy debt without your help. Now,

466
00:30:52.200 --> 00:30:56.559
you know, somebody asked me, do they really really take property?

467
00:30:56.839 --> 00:30:59.799
You can go to the website for the US Department

468
00:30:59.920 --> 00:31:05.400
or Revenue and see all the things they have listed

469
00:31:05.519 --> 00:31:13.599
for sale that they have constant constant confiscated from taxpayers. Homes, businesses,

470
00:31:13.960 --> 00:31:18.640
you know, I've seen, liquor license, inventory, equipment are all

471
00:31:19.319 --> 00:31:23.599
they are listed as property that the IRS has seized

472
00:31:23.880 --> 00:31:28.240
from a taxpayer to help satisfy their tax debt. Don't

473
00:31:28.240 --> 00:31:32.039
be one of those you know call Taxation Solutions. Let

474
00:31:32.119 --> 00:31:35.680
us get a handle on your IRS problem before the

475
00:31:35.720 --> 00:31:40.000
government decides you're going to levy your bank account, before

476
00:31:40.039 --> 00:31:43.440
they're going to garnish your wages, and you call us

477
00:31:43.480 --> 00:31:46.359
for free consultation at eight eight eight nine three zero

478
00:31:46.400 --> 00:31:49.480
one zero one six again eight eight eight nine three

479
00:31:49.559 --> 00:31:53.000
zero one zero one six. Let us get in front

480
00:31:53.119 --> 00:31:58.240
of the tax problem before they levy or seize any

481
00:31:58.559 --> 00:32:04.880
of your sets. Crazy crazy crazy. Hey, there's another notice

482
00:32:04.920 --> 00:32:08.319
that you will get from the IRS at a certain

483
00:32:08.400 --> 00:32:12.400
time on a CP forty. We're gonna explain what that

484
00:32:12.559 --> 00:32:14.160
is right after this quick break.

485
00:32:15.279 --> 00:32:18.960
We have only scratched the surface of today's show. Please

486
00:32:19.000 --> 00:32:22.279
stand by as Barry G. Fowler will be right back

487
00:32:22.319 --> 00:32:28.160
with tax talk for you. As an owner operator, you

488
00:32:28.400 --> 00:32:31.799
already spend too much time away from your family. Stop

489
00:32:31.920 --> 00:32:36.240
spending time doing paperwork. Go to Trucker tax tools dot com,

490
00:32:36.319 --> 00:32:40.880
a solution built specifically for truckers. Trucker tax tools dot

491
00:32:40.920 --> 00:32:46.960
Com makes your life run smoothly. Let's get back to

492
00:32:47.119 --> 00:32:50.839
tax stock for you with more tax stock once again,

493
00:32:51.319 --> 00:32:53.240
here's your host, BARRYG.

494
00:32:53.480 --> 00:33:00.960
Fowler. IRS Notices IRS notices, IRS szures ire notices. I

495
00:33:00.960 --> 00:33:04.880
mean letter letter, letter, letter, letter, you know, that's what

496
00:33:04.920 --> 00:33:07.240
you continue to get from the I R s NOW.

497
00:33:07.880 --> 00:33:14.039
IRS also will send you potentially a CP forty notice.

498
00:33:14.359 --> 00:33:18.680
What's that, Well, if your account is assigned to a

499
00:33:18.720 --> 00:33:24.519
private collection agency, you're going to get this notice first,

500
00:33:24.680 --> 00:33:30.279
the CP forty notice. That CP forty notice is your

501
00:33:30.480 --> 00:33:34.400
notice that says you have been assigned to one of

502
00:33:34.799 --> 00:33:41.759
three collection agencies. These are private collection agencies, CBE Group,

503
00:33:42.039 --> 00:33:48.319
Post Professional Conserve are the three different groups. The IRS

504
00:33:48.519 --> 00:33:52.599
is required by law that you use these private agencies

505
00:33:53.000 --> 00:33:59.920
to collect certain outstanding inactive accidents. So this became effect

506
00:34:00.480 --> 00:34:05.240
back in September of twenty twenty one. So the IRS

507
00:34:05.359 --> 00:34:09.480
can assign one of these three collection agencies out there.

508
00:34:10.880 --> 00:34:15.639
So you know, it is crazy what they're going to do,

509
00:34:15.719 --> 00:34:18.280
but this is how it works. The IRS sends you

510
00:34:18.400 --> 00:34:21.679
that first notice of CP forty to let you know

511
00:34:21.719 --> 00:34:25.599
that your overdue tax account was assigned to this private

512
00:34:25.800 --> 00:34:32.719
collection agency. Then the private collection agency sends you their initial,

513
00:34:33.039 --> 00:34:37.519
initial initial contact letter that has information on how to

514
00:34:37.559 --> 00:34:44.320
resolve your overdue taxes. Both letters contain a taxpayer authentication

515
00:34:44.800 --> 00:34:49.199
number that is used to confirm your identity. Also for

516
00:34:49.280 --> 00:34:53.480
you to have orify that the caller is legitimate. Keep

517
00:34:53.519 --> 00:34:58.920
that number in a safe place so you know you're

518
00:34:59.000 --> 00:35:02.639
going to want to have this information to be there.

519
00:35:03.119 --> 00:35:07.199
And then they do certain things to collect your debt.

520
00:35:07.440 --> 00:35:11.519
So you may get a call from the private collection agency.

521
00:35:12.039 --> 00:35:14.920
They're going to tell you they're calling about your IRS

522
00:35:14.960 --> 00:35:19.760
tax debt. You should then validate that the caller is

523
00:35:19.800 --> 00:35:24.960
actually representing one of the collection agencies that we talked about.

524
00:35:26.000 --> 00:35:28.960
The collection agency is going to ask you a series

525
00:35:29.000 --> 00:35:31.840
of questions to make sure they're talking to the correct person,

526
00:35:32.320 --> 00:35:35.320
and you're going to be asked to exchange portions of

527
00:35:35.360 --> 00:35:38.880
the taxpayer identification number with the private collection agency to

528
00:35:39.000 --> 00:35:43.039
validate each other's identity. And then the collection agency will

529
00:35:43.239 --> 00:35:52.360
be courteous, professional and respect your taxpayer rights while following

530
00:35:52.679 --> 00:35:56.480
the law. They're supposed to still work within the laws

531
00:35:56.559 --> 00:36:00.920
that are set forth DIRS. Private collection agency is going

532
00:36:00.960 --> 00:36:04.840
to work with you to resolve your overdue taxes. They're

533
00:36:04.880 --> 00:36:08.760
not there to supposedly threaten. If you feel the private

534
00:36:08.840 --> 00:36:13.320
collection agency acted properly, you can report it now. We

535
00:36:14.079 --> 00:36:16.760
as tax professionals, can go and ask this file be

536
00:36:16.880 --> 00:36:18.840
returned to the IRS, so we can deal with the

537
00:36:18.880 --> 00:36:22.880
IRS collections and not the private collection agency. Private collection

538
00:36:22.960 --> 00:36:27.000
agency isn't there to give you a lower payment plan

539
00:36:27.119 --> 00:36:29.480
or not get there to give you an offering compromise.

540
00:36:29.880 --> 00:36:33.719
We still have to work within the IRS rules. Hey,

541
00:36:33.760 --> 00:36:37.480
we got some questions here. First one that we got

542
00:36:37.559 --> 00:36:42.119
was from PAM. If the IRS sells your assets, would

543
00:36:42.119 --> 00:36:44.679
you still owe or do they have to sell the

544
00:36:44.719 --> 00:36:48.280
items for the total value? These items are up for auction,

545
00:36:48.800 --> 00:36:52.320
not up total value. They will put some minimum prices

546
00:36:52.360 --> 00:36:56.000
on them and everything trying to satisfy your debt. But

547
00:36:56.079 --> 00:36:59.840
if it does not satisfy your debt, then you know

548
00:37:00.079 --> 00:37:03.519
you still could be on the hook for assets. Now,

549
00:37:03.519 --> 00:37:07.000
if it's a business, there's nothing else left and you

550
00:37:07.079 --> 00:37:11.320
close the business and you don't have trust fund penalties, yes,

551
00:37:11.360 --> 00:37:17.239
that debt would eventually go away. Lester asked, what if

552
00:37:17.280 --> 00:37:20.239
you are not the only owner of property? Can joint

553
00:37:20.360 --> 00:37:24.519
things be taken? Your interest in those things can be taken.

554
00:37:24.760 --> 00:37:28.159
So if you are a fifty to fifty owner of property,

555
00:37:28.199 --> 00:37:31.880
they have now placed a levy on that property, or

556
00:37:31.880 --> 00:37:36.280
if one third or owner, they can put a lean

557
00:37:36.360 --> 00:37:39.840
against that property where they cannot do anything and if

558
00:37:39.840 --> 00:37:42.280
there's any income coming in off that property, they can

559
00:37:42.360 --> 00:37:45.840
garnish that income. So there's a lot of things the

560
00:37:45.880 --> 00:37:50.000
IRS can do and potentially they can take that property

561
00:37:50.039 --> 00:37:52.920
as well. So you know, we've got to work through

562
00:37:52.920 --> 00:37:55.360
the procedures of the I R S and fight them

563
00:37:56.360 --> 00:37:59.920
to try to maintain that property. If it's income, produce

564
00:38:00.119 --> 00:38:03.639
property and that income to satisfy your tax net, and

565
00:38:03.679 --> 00:38:06.159
we can use it for that. There are reasons we

566
00:38:06.239 --> 00:38:11.400
can keep property. Well, So Paul was asking what is

567
00:38:11.440 --> 00:38:15.519
the procedure and how do people know the process? Well,

568
00:38:16.000 --> 00:38:18.280
you know, you can go and read the Internal Revenue

569
00:38:18.280 --> 00:38:21.559
Manual and the Internal Revenue Code and learn the process

570
00:38:21.639 --> 00:38:25.079
that the IRS is to go through to They also

571
00:38:25.239 --> 00:38:28.519
offer you taxpayer Bill of rights, these rights that you

572
00:38:28.679 --> 00:38:32.280
have as a taxpayer, and the most important right in

573
00:38:32.320 --> 00:38:37.559
there is the right of representation. Having a professional on

574
00:38:37.599 --> 00:38:43.119
your side, old agent like myself and my staff will

575
00:38:43.119 --> 00:38:46.159
guide you through the process. You don't have to deal

576
00:38:46.199 --> 00:38:48.440
with it and don't have to research to make sure

577
00:38:48.480 --> 00:38:52.239
that the IRS is following their procedures to do things

578
00:38:52.280 --> 00:38:57.639
correctly and you get the best representation. So using that

579
00:38:57.800 --> 00:39:03.079
right to representation is definitely worth its weight in gold.

580
00:39:03.519 --> 00:39:07.440
Now you know they're going to give you policies and procedures.

581
00:39:07.440 --> 00:39:10.960
They're going to give you publications that you can go

582
00:39:11.079 --> 00:39:14.679
through and read to see what their collection processes, how

583
00:39:14.679 --> 00:39:17.000
to do a collection, do process hearing. You can learn

584
00:39:17.039 --> 00:39:20.199
all that stuff yourself on me. You have a great

585
00:39:20.239 --> 00:39:22.960
follow up question, should you try to sell the assets

586
00:39:23.039 --> 00:39:27.039
before the IRS tries to sell them? Absolutely, if you

587
00:39:27.119 --> 00:39:31.159
can get property, equipment, whatever it is that the I

588
00:39:31.320 --> 00:39:33.960
R S is and you're working with the I R S,

589
00:39:34.079 --> 00:39:36.880
they will give you time to sell that property. You

590
00:39:36.880 --> 00:39:39.239
know they have a lean on it, so anything you

591
00:39:39.320 --> 00:39:41.599
sell it for will go to them, but it will

592
00:39:41.639 --> 00:39:46.159
absolutely go a long way towards paying off your text

593
00:39:46.159 --> 00:39:49.440
that if you are being proactive to sell it to

594
00:39:49.480 --> 00:39:52.639
take care of tax them, and you're probably going to

595
00:39:52.679 --> 00:39:56.800
get a better value for that property as opposed to

596
00:39:56.920 --> 00:40:01.599
the IRS doing it. Now, you know taking property from

597
00:40:01.639 --> 00:40:04.880
you is not as easy as garnishing your wages or

598
00:40:05.039 --> 00:40:07.840
levy in your bank account or putting a levee against

599
00:40:07.840 --> 00:40:12.119
those that are paying you as a business person or contractor.

600
00:40:13.400 --> 00:40:16.679
So you know their last resort is coming after and

601
00:40:17.559 --> 00:40:20.880
taking property forcing you to sell it, or the government

602
00:40:20.960 --> 00:40:24.760
taking property from you. Now, if you completely ignore the

603
00:40:24.800 --> 00:40:27.079
IRS and you don't want to deal with any of this,

604
00:40:27.360 --> 00:40:29.440
you want to go tell them to go jump in

605
00:40:29.480 --> 00:40:33.599
the leg and found saying you know, hey, the IRS

606
00:40:33.679 --> 00:40:37.639
is going to enforce whatever collections they can against you,

607
00:40:37.679 --> 00:40:40.719
and they will go through all their procedures that they

608
00:40:40.840 --> 00:40:44.119
need to take the property. So don't think that the

609
00:40:44.159 --> 00:40:47.440
IRS doesn't have a desire to do it. It's just

610
00:40:47.519 --> 00:40:50.880
the IRS would rather find a better way out of

611
00:40:50.960 --> 00:40:55.519
this by having you the taxpayers, sell the property, or

612
00:40:55.559 --> 00:41:00.880
having you the taxpayer, put the property up for for sale,

613
00:41:01.159 --> 00:41:05.719
or being able to get money from you enough to

614
00:41:05.800 --> 00:41:10.760
satisfy the tax debt over a reasonable collection period of time.

615
00:41:11.239 --> 00:41:16.360
So the IRS is always looking for better solutions that

616
00:41:16.559 --> 00:41:21.000
will meet the government's needs. But at that point in time,

617
00:41:22.639 --> 00:41:26.599
meeting the government's needs isn't necessarily going hand in hand

618
00:41:27.039 --> 00:41:30.000
to what's the best interest for the government, And if

619
00:41:30.000 --> 00:41:35.519
that means protecting government by owing property back to the government,

620
00:41:35.719 --> 00:41:39.280
they're going to do that. Unfortunately, Pam, if you've got

621
00:41:39.320 --> 00:41:41.199
a problem, give us a call it. Eight eight eight

622
00:41:41.320 --> 00:41:43.960
nine three zero one zero one six Again eight eight

623
00:41:44.000 --> 00:41:47.039
eight nine three zero one zero one six mentioned tax

624
00:41:47.119 --> 00:41:51.239
talk for you dot com and we're going to have

625
00:41:51.280 --> 00:41:54.559
some special discounts. And I hope you joined us earlier

626
00:41:54.719 --> 00:41:58.519
on Ask the Experts, even on TikTok. We enjoyed talking

627
00:41:58.599 --> 00:42:06.079
about solutions and solutions to your I R S tax debt.

628
00:42:06.199 --> 00:42:10.440
You know, love the questions because it helps us help

629
00:42:10.519 --> 00:42:16.519
you in every shape form, whatever it may be, to

630
00:42:16.559 --> 00:42:20.320
get through i R s you know problems. There's a

631
00:42:20.400 --> 00:42:24.559
solution to every i r S problem that's out there.

632
00:42:25.239 --> 00:42:28.039
You may not like one hundred percent of solution, but

633
00:42:28.119 --> 00:42:30.800
there is a way out. There is a way to

634
00:42:30.840 --> 00:42:32.760
get the i r S and the weight of the

635
00:42:32.800 --> 00:42:36.760
i r S off your back back to living your life.

636
00:42:36.800 --> 00:42:41.000
We have the ability sometimes of modifying things in your

637
00:42:41.079 --> 00:42:44.519
life that help you solve the problem with the i

638
00:42:44.719 --> 00:42:48.760
r S. And whatever that solution leads us to is

639
00:42:48.920 --> 00:42:52.079
what's going to be able to help you get back

640
00:42:52.119 --> 00:42:54.639
to living your life. Looking over your shoulder or sticking

641
00:42:54.639 --> 00:42:57.519
your head in the sand. Isn't comfortable, isn't the ideal

642
00:42:57.639 --> 00:43:02.039
way of doing things? So you know you need that solution,

643
00:43:02.400 --> 00:43:05.400
So go to Taxation Solutions dot net or give us

644
00:43:05.440 --> 00:43:08.239
a call. Eight eight eight nine three zero one zero

645
00:43:08.360 --> 00:43:11.800
one six again eight eight eight nine three zero one

646
00:43:11.880 --> 00:43:15.480
zero one six. It's a free call, free consultation. Hey,

647
00:43:15.519 --> 00:43:19.280
as always, Ben, we appreciate you being here. We're here

648
00:43:19.360 --> 00:43:22.400
every Monday, ten am Eastern Time on W four c

649
00:43:22.599 --> 00:43:27.440
RY Radio. Go find us on Facebook Tax Talk Letter

650
00:43:27.480 --> 00:43:31.519
for the number four letter You again, Tax Talk the

651
00:43:31.639 --> 00:43:35.039
number four letter you dot com or you know like

652
00:43:35.119 --> 00:43:37.639
us over on Facebook, Like us on our web page.

653
00:43:37.920 --> 00:43:41.239
Never miss an episode. We're here to help bail you

654
00:43:41.440 --> 00:43:46.239
out problems with the IRS. Business. We're here to talk

655
00:43:46.280 --> 00:43:49.239
about everything TAXI. Whether you're a trucker, whether you're a

656
00:43:49.239 --> 00:43:52.880
small business, We're here to talk about it. Bring your questions,

657
00:43:53.159 --> 00:43:57.400
ask them, let us enlighten the world for you to

658
00:43:57.599 --> 00:44:01.079
make your tax situation regardless of how you are and

659
00:44:01.239 --> 00:44:05.960
what business you're in, better place. And as always, have

660
00:44:06.159 --> 00:44:10.000
a God bless a glorious week, enjoy what you do,

661
00:44:10.760 --> 00:44:14.679
save as much money on taxes as possible, but always

662
00:44:14.719 --> 00:44:18.239
be back here Monday at tax Talk for you again.

663
00:44:18.280 --> 00:44:21.199
It's tax Talk the number four letter dot Com. We'll

664
00:44:21.239 --> 00:44:24.400
see you next week. God bless you, and stay out

665
00:44:24.400 --> 00:44:26.719
of trouble with the IRS. We'll see you next week

666
00:44:26.880 --> 00:44:30.280
right here at Tax Talk for You Today, Eastern Timeline

667
00:44:30.280 --> 00:44:31.480
W four CY Radio.

668
00:44:32.760 --> 00:44:35.920
Are you an individual or business that wants to understand

669
00:44:36.000 --> 00:44:39.360
taxes and how they affect you. Are you looking for

670
00:44:39.440 --> 00:44:45.320
specific tax advice for self employed business owners and truckers.

671
00:44:45.400 --> 00:44:49.440
Are you behind on taxes and your bookkeeping? Are you

672
00:44:49.599 --> 00:44:52.559
dealing with the irs and ready to have some relief,

673
00:44:53.400 --> 00:44:57.199
Then you need Tax Talk for you, posted by tax

674
00:44:57.280 --> 00:44:59.440
and trucker expert Barry G.

675
00:44:59.679 --> 00:45:00.360
Foul E.

676
00:45:01.000 --> 00:45:04.800
Tune in ten am Eastern Time every Monday right here

677
00:45:04.840 --> 00:45:07.679
on W four c Y Radio and Talk for TV.

678
00:45:08.079 --> 00:45:11.480
Don't forget to check this and past episodes at tax

679
00:45:11.599 --> 00:45:15.719
TALKFORU dot com. See you next week at W four

680
00:45:15.719 --> 00:45:19.280
c Y dot com.

681
00:45:18.840 --> 00:45:18.880
M