BG

[Dear Son. @DearS_o_n]

CORRECT ME IF I'M WRONG BUT, As I turn 43 this year, I have realised, as a man, no one cares about you. Not your wife. Not your family. Not your friends. Not your workmates. Nobody. People act like they care, but deep down, they don't. You are on your own. Always on your own.

[BG @mrexclusive3835]

@manifestpower4X 444

[BG @mrexclusive3835]

Classic

[BG @mrexclusive3835]

@EdwardTWinz Btc

[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 reverse-engineer the lowest possible offer

The IRS doesn't want to chase you for 10 years. Collection employs 78,000 people. Each agent costs the agency $89,000/year in salary and overhead. Liens require court filings. Levies require processing. Garnishments require administration. They'd rather take your $5,000 check today than spend $120,000 in administrative costs over a decade trying to squeeze $100,000 out of someone who will never have it

They literally built a math formula to calculate the minimum they'll accept. Here it is:

RCP = (monthly disposable income x remaining collection months) + (net realizable equity in assets)

Monthly disposable income: your gross monthly income minus IRS-allowed living expenses. They don't use YOUR actual expenses. They use standardized tables published at the irs website standards. These tables set exact allowances by county for housing, food, transportation, healthcare, and out-of-pocket expenses

If you earn $4,200/month and the IRS allowable expense table for your county totals $3,900, your disposable income is $300/month. If you earn $3,800/month and the table allows $3,900, your disposable income is negative and the IRS considers it $0

Remaining collection months: for a lump sum offer (paid in 5 months or less), multiply disposable income by 12. For a periodic payment offer (paid over 6-24 months), multiply by 24. The lump sum multiplier is lower, which means a lump sum offer will always be cheaper than a payment plan offer. Always choose lump sum if you can

Net realizable equity in assets: bank accounts, investments, vehicles, real property. BUT they subtract allowances. Your primary car: exempt up to the IRS local standard (roughly $6,000-$10,000 in equity depending on area). Household furnishings: fully exempt. Retirement accounts: partially exempt and heavily discounted (the IRS applies a "quick sale value" of 60-80% of actual value because they know selling retirement accounts triggers penalties)

Real calculation:

Income: $4,200/month
IRS allowed expenses: $3,900/month
Disposable income: $300/month

Lump sum multiplier: 12 months
$300 x 12 = $3,600

Assets:
Bank account: $2,100
Car equity: $4,800 (below IRS exemption, counts as $0)
401k: $18,000 (quick sale value at 60% = $10,800, minus 10% early withdrawal penalty = $9,720, minus taxes at 22% = $7,582)
Household goods: exempt

But here's the part most people don't know: you can CHOOSE to exclude retirement accounts from the RCP calculation by checking a specific box on Form 433-A (OIC). The IRS has an internal policy (IRM 5.8.5.24) that allows exclusion of retirement assets for taxpayers under age 65 if liquidating those assets would cause economic hardship. Your tax preparer should know this. Most don't

Revised RCP without retirement: $3,600 + $2,100 = $5,700

Your offer: $5,700 on $100,000 in tax debt. 5.7 cents on the dollar

The nuclear part:

While the OIC is being reviewed (6-24 months), ALL collection activity legally stops. No levies. No new liens. No wage garnishment. The IRS cannot collect a single dollar from you while your offer is pending. This is codified in IRC Section 6331(k)(1)

And if the IRS fails to make a determination within 24 months of receiving your application, your offer is AUTOMATICALLY ACCEPTED. Two years of silence = you win by default. IRC Section 7122(f). They built an auto-accept clause into the law that most taxpayers never invoke because most taxpayers never file an OIC

The forms you need:

Form 433-A (OIC): complete financial disclosure for individuals. Every bank account, every asset, every income source, every expense. 8 pages. Fill it out accurately because they cross-reference against IRS records, DMV records, and financial institution reports. Lying on this form is a federal crime under 18 U.S.C. 1001

Form 656: the actual offer. Your amount, your payment terms, your signature

$205 application fee (waived if income is below 250% of federal poverty level, which is $38,100 for a single person in 2026)

Initial payment with the application: 20% of your offer for lump sum. On a $5,700 offer that's $1,140

A woman owed $213,000 across 4 tax years (2019-2022). Hadn't filed 2020 or 2021. Hadn't paid any of them. Receiving CP504 notices (intent to levy) every month. We filed the delinquent returns first (required before OIC submission), then calculated her RCP at $8,400. Submitted OIC with $1,680 initial payment

IRS accepted 9 months later. $213,000 settled for $8,400. 3.9 cents on the dollar

She went from getting levy notices every month to a $0 IRS balance. Then we fixed her credit (the tax lien had destroyed it). Then we stacked $120K in 0% business funding. She opened a cleaning company 4 months later. The same IRS that was garnishing her wages is now processing her quarterly estimated tax payments from a profitable business

the IRS is the scariest creditor in America. they can garnish without a court order. seize your bank account with 30 days notice. lien every asset you own. but they also built a form where they calculate the minimum they'll accept using a formula you can reverse-engineer, and if they don't respond in 2 years your offer is automatically approved. the math is public. the formula is published. the form costs $205. the difference between paying $100K and paying $5K is knowing it exists lol

(we fix credit and build capital stacks. if you owe back taxes, handle that first. then we get you funded. link in bio)

[BG @mrexclusive3835]

@digitallnympho @ldnpussyeater @mja1ti Want to eat u so bad just cum all in my face please 😍😍😍😍😍

[BG @mrexclusive3835]

@SignalsUSA NIO long NIO strong 💪🏾

[BG @mrexclusive3835]

@TheRich_Gospel Amen 🙏🏾

[BG @mrexclusive3835]

@TheRich_Gospel Woke me up blessed me to get bill payed 4 ever grateful

[BG @mrexclusive3835]

@progresssCode Amen 🙏🏾

[BG @mrexclusive3835]

@educatedhustler Amen 🙏🏾

[BG @mrexclusive3835]

@Dearme2_ Amen 🙏🏾

[BG @mrexclusive3835]

@Dearme2_ Amen 🙏🏾

[BG @mrexclusive3835]

@DCDOWORK NIO long NIO strong 💪🏾 2018 still riding

[BG @mrexclusive3835]

@Dearme2_ Amen

[MyDoge @MyDoge]

Happy Monday, Shibes 💛

[BG @mrexclusive3835]

@chris_stura NIO long NIO strong 💪🏾 🤑🤑🤑

[BG @mrexclusive3835]

Just fresh out prison years went by listening to @BlacYoungstaFB . And made sure I told them when the homie @BlacYoungstaFB sent me them 50$ on Twitter . Realest shit ever will never forget had to let the prison niggas know @BlacYoungstaFB really solid and mean what he say💯