Boom.

-🦁O'Hara '00🦁
-Franchise owner
-Real Estate Investor

[hunter @hxxntrr]

You owe the IRS $100,000

They'll take $5,000 and close your file. Permanently. Balance goes to $0

It's called an Offer in Compromise. Form 656. The IRS approved 42% of them last year. Application fee: $205

Here's the exact formula they use to decide your number and how to make sure yours gets accepted

The IRS doesn't want to chase you for 10 years. Collection costs money. Agents cost money. Liens cost money. They'd rather take $5,000 today than spend $50,000 over a decade trying to squeeze $100,000 out of someone who will never have it

That's the entire program. They did the math and built a form for it

The formula:

The IRS calculates your "Reasonable Collection Potential." What they realistically think they can get from you. Your offer needs to meet or beat that number

RCP = (monthly disposable income × remaining collection months) + (asset equity after exemptions)

Monthly disposable income: your gross income minus IRS-allowed expenses. They have specific tables for housing, food, transportation, and healthcare by county. Not YOUR expenses. THEIR approved numbers

If you earn $4,000/month and their table says your allowable expenses are $3,800, your disposable income is $200/month

Remaining months: for a lump sum offer (paid within 5 months), they multiply by 12. For a payment plan (6-24 months), they multiply by 24

Assets: bank accounts, investments, vehicles, property. But they subtract exemptions. Your primary car up to a certain value is exempt. Household furnishings exempt. Retirement accounts often partially exempt

Real case:

Disposable income: $200/month
Asset equity after exemptions: $2,000

Lump sum RCP: ($200 × 12) + $2,000 = $4,400

That's your offer. $4,400 on $100,000 in tax debt. 4.4 cents on the dollar

The forms:

Form 433-A (OIC): full financial disclosure. Income, expenses, assets, bank statements. Every number. Fill it out honestly because they verify everything. Lying on this form is a federal crime and they'll reject your offer AND flag you for audit

Form 656: the offer itself. Your amount. Your payment terms

$205 application fee (waived if income is below 250% of federal poverty level)

Initial payment: 20% of your offer submitted with the application for lump sum. On a $4,400 offer that's $880 upfront

Here's the part that makes this genuinely broken:

While your offer is being reviewed, which takes 6-24 months, ALL collection activity stops. No levies. No liens. No wage garnishment. They legally cannot collect while the OIC is pending

And if the IRS doesn't make a determination within 2 years of receiving your application? Your offer is automatically accepted. Two years of silence = you win by default. That's in the tax code lmao

Client owed $147,000 across 3 tax years. Hadn't filed. Hadn't paid. Getting letters every month. We calculated his RCP at $6,200. Submitted the OIC with $1,240 initial payment

IRS accepted 7 months later

$145,000 in tax debt settled for $6,200. 4.2 cents on the dollar

He went from not opening his mailbox to a $0 IRS balance. Then we fixed his credit. Then we stacked $80K in 0% business funding. Started a pressure washing company 5 months later

The IRS is the scariest creditor in America. They can garnish without a court order. Seize your bank account with no warning. Lien everything you own

But they also built a program where they take your $5,000 and walk away happy

The difference between the person who pays $100,000 and the person who pays $5,000 is knowing Form 656 exists

Now you know

(We fix credit and build capital stacks. If you owe back taxes, handle that first. Then we get you funded. Link in bio)

[Chester Clippers Fan #Exit6 @JhPeach27]

#uniswag for Saturday vs George Washington Home Opener 11am 🟠 Tops 🟧 Britches #Exit6 #FearTheShip #CPride @DELCOFootball @_Delco_Sports @EPAFootball @END2008 @PaFootballNews @DHuntTrib

[Chester Clippers Fan #Exit6 @JhPeach27]

#Exit6 #CPride Chester vs Lincoln @DELCOFootball @_Delco_Sports @EPAFootball @PaFootballNews

[Boom. @Rothstein610]

@JhPeach27 @DELCOFootball @_Delco_Sports @EPAFootball @PaFootballNews Field conditions look atrocious 🤦🏿‍♂️

[Boom. @Rothstein610]

🦁

[jack ellis @CoachEL_COHS]

Game week here we go! #The🅾️

[Trent Watson 💎 @Trentw_23]

2026 Delaware guard Latrell Wright is buzzing after a strong summer with Cecil Strive. The rising senior caught up with MADE Hoops to talk recruitment, his family pedigree & more.

READ: https://t.co/LcqpRP9DGN

[Korey Francis @KoreyFrancis10]

Blessed and beyond grateful to receive an offer from temple university! Thank you coach fisher

[CoachRSTII @CoachRstii]

Get 👀 on Latrell Wright @latrellwr1ght during this 1st June Live Period

Latrell flourished on the @ZeroGravityXL @ZeroGravityBB circuit all spring (leaguewide Top5 performer)

[email protected]
@SalesianumHoops
2026
5'11"
PG

Head Coach
[email protected]

[Boom. @Rothstein610]

@FTrilliams 🎯

[Simeon 🇺🇸 @FTrilliams]

Whew, points were made… 🔥🔥

[Shemaj Henry @BigMook_78]

“Orange Nation I’m ready to get to work”

[Big Star @BigStarRawSport]

Thank you Coach John Griffin III & Matt Griffin at BUCKNELL UNIVERSITY for believing in my son SHAKUR STARLING and seeing his potential. “The Best Of Jizzle” is yet to come!!

#BestFathersDayEver 🥲
#TGBTG 🙏🏾
#Bucknell 🦬

[Trent Watson 💎 @Trentw_23]

2027 G Korey Francis has heard from Lasalle, Towson, Saint Louis, Cornell, Notre Dame, Rutgers, Rice, VCU, Merrimack, Virginia Tech, and Old Dominion.

With his best basketball way ahead of him, Francis has already established himself as one of the best in the northeast region.

[Dorian{Dor} Rutledge @dorian_rutledge]

A lil athleticism @MiddletownFB ⬆️

[Boom. @Rothstein610]

@whxiswhx @IAmJaySutton 😂🤣😂🤣😂🤣

[Robert O. Wright III @robertwr1ght]

keep going brother💙 @Munch1e1

[Trent Watson 💎 @Trentw_23]

Notre Dame and St. Joe’s were in at Bonner this week for 2027 G Korey Francis, per his coach.

Been saying it for a while now, Francis will be one of the best guards in the northeast region for the next 2 years. 1st sophomore to be named 1st Team All-PCL at Bonner since 2005.

[I AM 🇺🇸 🇰🇪 @Mr_Yanczy]

Don’t let your children make pets of the food.

They were originally meat birds. Get 20-50, feed them well and natural as possible. Then fill your freezer. Better meat and no chemicals. Know what’s going on your body.

[Grayson Grundhoefer @GrayGrundhoefer]

A source close to the situation tells me that Rob Wright to BYU is a done deal and the NIL amount is $3.5 million.

[Boom. @Rothstein610]

@shedntcare_ @IAmJaySutton