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Light at the end of the tunnel...maybe.  Rating:  Rating
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 Posted: Fri Mar 15th, 2013 12:24 am
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HarryG
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So, the last 13 months haven't been great fun for me. Winning the S&W POY tournament was the highlight of my life this year, but I would rather have come in dead last with zero votes if I could have prevented my Heather from dying.

When Heather died she left a LOT of debt behind. Student loans, credit debt, IRS Debt State tax debt...it was staggering. The Student Loans were forgiven, but automatically became classified as income...great.

Okay-the long and short of it is that I have been working all year to clear my wife's name. Finally, I am starting to see daylight. Went out and got myself a good tax representative, and they managed to find errors on my old returns. With the extra refund from years past, I today, was able to pay off all of my Heather's IRS debt-save for this year (2012). I also managed to pay off her credit debt and consolidate my personal credit debt into a secured loan. In 5 years, I will also be debt free.

That just leaves this tax year. $3300 to the IRS, and $1700 to Colorado. With a payment plan, I will have our last joint tax return paid for before Christmas.

I could have used a few legal procedures to get out of some of her debt responsibility, but it meant more to me that my wife be laid COMPLETELY to rest. By clearing her name, posthumously, I have done the best that I could do for her and her memory.

Today is a good day.



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 Posted: Fri Mar 15th, 2013 12:50 am
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BayouBoogie



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That's great, man. Glad things are starting to work out for you.

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 Posted: Fri Mar 15th, 2013 12:54 am
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Quattro

 

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BayouBoogie wrote:
That's great, man. Glad things are starting to work out for you.

I agree....keep moving forward Harry.

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 Posted: Fri Mar 15th, 2013 12:59 am
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thunderbolt
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Glad to hear things are moving in a good direction, Harry.



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 Posted: Fri Mar 15th, 2013 01:20 am
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Ultimark



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That is great news Harry. I have one question - was the credit debt, credit cards? Normally, those just charge off without being paid.

It is really a credit to you.

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 Posted: Fri Mar 15th, 2013 02:19 am
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Chitown Rich

 

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Best wishes to you Harry.

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 Posted: Fri Mar 15th, 2013 02:23 am
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clawmaster
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Way to go Harry!!



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 Posted: Fri Mar 15th, 2013 03:09 am
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Road Warrior Yajuta



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:) Good job.  



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 Posted: Fri Mar 15th, 2013 11:46 am
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tofu_chipmunk



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Congratulations on your hard work to get these issues under control.  I can't imagine what that has been like in the wake of losing your wife.

No bullshit or smart-ass remarks here.  Your attitude is one that a ton of people out there could take notes from.  There is no other way to say this without sounding corny, but it has been inspiring.  My hat is off to you.

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 Posted: Fri Mar 15th, 2013 12:03 pm
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mike3775



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Congrats Harry.

I never knew that forgiven debt could be counted as income until I read this, then this morning I read a link online about it as well.

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 Posted: Fri Mar 15th, 2013 12:19 pm
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Infamous
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Congrats Harry

I had my tax lady look back into my past taxes going back several years & was able to find an extra $1,800 that I should have recieved

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 Posted: Fri Mar 15th, 2013 12:21 pm
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Super Snott



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Sounds good Harry. Hope things go your way!

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 Posted: Fri Mar 15th, 2013 12:56 pm
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The Hammer



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That's awesome Harry!!! I am glad it is working out for you buddy. And I couldn't have lost the poty contest to a better person on this board.



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 Posted: Fri Mar 15th, 2013 05:16 pm
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kargol



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Well done Harry.  Rare to see someone taking responsibility these days - rarer still when they are not forced to.



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 Posted: Fri Mar 15th, 2013 05:22 pm
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thunderbolt
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kargol wrote: Well done Harry.  Rare to see someone taking responsibility these days - rarer still when they are not forced to.

Totally agree.



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The kind of man who wants the government to adopt and enforce his ideas is always the kind of man whose ideas are idiotic. ~ HL Mencken
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