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There goes my NM with nightmares again, has a mind of its own. NM

Posted By: Romey on 2005-12-02
In Reply to: My insurance paid for my reduction, nightmares - Romey

z


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My IRS nightmares

Perhaps somebody on here can give me some advice......Back in August 2004, due to my husband losing his job, we were forced into Chapter 7 bankruptcy.  At that time we provided our attorney with copies of income tax returns dating back to 2000.  At that time, we were on a payment plan to repay taxes from 2000 (roughly $1300.) We had just filed 2003 taxes and only owed a few hundred dollars.  Most of this underpayment of taxes was due to extra jobs my husband worked as a police officer.  Anyway, we were told not to pay the IRS anything as the debt from 2000 and 2003 would probably be discharged.  Bankruptcy was discharged in January 2005.  We never received any correspondence from the IRS letting us know that we owed anything from those years.  We ASSUMED that it had been discharged.  We took another hickey in 2004 (they year we filed BK) as my husband had to cash-in his retirement since we lost our house and had to find a place to live...that check was in the amount of $25,000.  Though we did have income taxes taken out when we received the check, I guess it threw us into another income tax bracket and that year we owed a little over $3000.   When I filed my 2005 taxes last year, we were due a refund of over $4000 as my husband still is not working from the severe depression of losing his job and I am the sole breadwinner for the family.  Long story short, the IRS took the $4000 I owed and spread it out over the the taxes that we previous owed for 2000, 2003 and a little of 2004.  Their method of dividing the tax refund was odd as instead of wiping out the oldest debt first, they wiped out the 2000 debt but left a couple hundred of the 2003 and took a little off the 2004 debt.  UGH!!! 


After numerous phone calls to the IRS in May to determine what the heck was going on with the refund as I expected to get back a little of the 4000., they advised me it was tied up in the bankruptcy division.  I talked to 3 different ladies at the IRS and all of them were extremely rude to me, no matter how polite I was to them.


Here comes the worst part.....yesterday I get 4 certified letters from the IRS, 2 addressed to me and 2 to my husband...informing us of intent to levy due to unpaid taxes.  I called the IRS yesterday and once again explained the situation that we were unaware that we owed money from years prior to the bankruptcy and that I had also submitted a request to work out a repayment plan.  The IRS rep, another rude woman, got snippy with me when I was trying to explain to her the reason why I could not get a loan to repay the tax today.  She promptly told me, "No is a sufficient answer....I don't need to know the reason why."  When I told her that since my husband is not working and I have the only income, I could maybe eek out $50 per month.  She said, "Oh...that's not enough.  That won't work at all."  She also said, "You don't want the IRS to put a levy on your property (which I don't own anything for them to garnish, other than my wages.  She then tells me she needs to transfer me to another department to work out a special circumstances repayment plan.  Of course, I was on hold for 20 minutes and nobody came to the phone; then we were disconnected.  I've been trying to reach the attorney that handled my bankruptcy to ask his advice and see what to do about the IRS.....That IRS customer service rep made me feel like a criminal and she spoke to me in a threatening tone.  They wait 2-1/2 years, never bother to send a notice to say that we still owed for the prior years and now they're making my life miserable for an amount of less than $4000.  Oh, and I told the lady that I had filed an extension for 2006 taxes but now had all my paperwork and would be working on them this weekend.  I further stated that I felt pretty sure that I would be getting another large refund since I'm the only one working.  I swear, I don't think the ding-dong heard a word I said.  Truly amazing they come after my pittance when there are rich people out there that owe 10 times what I do.  What really scares me is my parents just gave me a 2001 Toyota Camry that is easily worth $7000 or $8000 dollars.  I really need that car and now I'm afraid to get it titled in my name for fear they will take my transportation!!!  Not to mention what they could do to my bank account....and I have 2 teenagers I'm trying to raise.  Maybe this will force my husband to get off his rump and do something besides odd and end cash jobs that don't pay anything.  I had major depression a few years ago and I know it is bad but he kept telling me to get over back then.....I'm trying to turn the other cheek, but I can't do this alone either.


Has anybody out there been through anything like this that can give me some advice.  Sorry for rambling!!


Sorry the word is nightmares.
made me make a typo because my hands were shaking at the thought of the whole idea!
Great advice, thank you! nightmares
z
Ooops, my NM stands for nightmares in my expander, NM
z
My insurance paid for my reduction, nightmares
z

So funny!! Nightmares! The world of expanders! NM
nm
LOL Thanks for the memories or should I say nightmares. Does anyone remember the old dreaded
erase pencil with an eraser on one side and a brush on the other, with the black or blue carbon paper?!!! I can't believe 27 years have flown by so quick LOLLLL!!!
Your mind was in the gutter up there with sauteed stool, too. Would you please take your mind out of

Would you mind ...
sharing that site with me? You can email me personally at kathy.eberle@gmail.com. I did get that very email and would like to know what everyone else has to say! Thanks!

Kathy
LOL! Never mind - I see it now.
I was sure it wasn't there a minute ago! 
Keep in mind, please......
That if a company has more than, say, 10 accounts, that the recruiters just might not KNOW how difficult an account is. When you get a requisition for account #67, there's no telling whether it's the best account on the planet, or the worst.
Don't mind
Actually don't mind the lower income right then, because I am selling my house and can afford to lose a little, knowing that after the first of the year or so I can get my line count back up.
keep in mind
In addition to the good comments made above you must also be aware that if you are going to a program that may upgrade occasionally and is not static you may well run the risk of losing your autotext entries.  If you are really good about backing up your files, good for you and no problems really, but if you are like the rest of us and forget more than you remember to back up .. you could have one horrible day when you see the file not convert or some such ugly thing!
If you don't mind (sm)
your money being used to support anti-reproductive choice terrorism, go ahead and join.
Please keep in mind
how good you are feeling since beginning the drug, and that all drugs are very individual in how they event anyone.  You really should not make a decision for yourself regarding some one's experience.  
Never mind...duh
x
Do you mind me asking...
what company do you work for and are they hiring? I have been an Editor for 15 years and am having a hard time find a good company to work for. Thanks
Please keep in mind that many
of the people on this site work at home. Some have forgotten (some never knew) how to interact with others in a courteous and professional manner.
Please keep in mind (sm)
that he will tell you anything you will want to hear. One thing I had to ask myself when I was going thru this was, is this someone that I would want my daughter married to? I repeated that question to myself any time I was tempted to "try again."
where at and of what...if you don't mind my asking...TIA (NM)

I have! You can do anything you set your mind to!
nm
There are many, but the ones that come to mind first are...
I love him because of the way he loves me. He's not fake, pretentious or condescending. He's funny, talented, and is a true gentleman in every sense of the word. Besides that, he's not afraid to go to the store JUST for a box of tampons ;) ... He's the absolute best and I've never been happier.
I do not mind either
Usually, if I am visiting at my mother's house and need to go online, I will ask but it is not a big deal & vice versa. But it all depends on what they want to use the computer for. When we ask each other to use the computer, it is always just to quickly look something up online & it never involves using that person's computer programs or going into their files or anything like that - just the Internet.
never mind!
was able to recover - Whew!
I don't mind .... sm

If young and older American men and woman love America so much that they are willing to go to a for foreign land to protect my liberties with their lives - I certainly will assume the responsibility of freedom for all by letting the government see who I call.  Frankly, my phone call list is very boring I am afraid. 


So to those who want to make a big deal over nothing (as long as you have nothing to hide), remember who is giving up . .  an easier way of making a living (so that you can sit back, fat and sassy) . .  an 8 hour work shift five days a week making far less than us (so you can make the money you feel you deserve and are entitled to). .  being separated from their families (while we are all getting ready to celebrate mother's day with our families) . . .all because of the love for OUR country and THEIR fellow citizens.


STOP - LOOK- LISTEN - Is it your brother, your father, your uncle, your sister, your mother, your aunt, your fiance, your neighbor, your life long friend? - we all are God's precious children. 


God Bless to all of our military and to you and your family - Pray for a United America.


 


 


I don't mind at all
If they do this and find terrorists in this country and can stop them before they do something else horriffic, I don't mind at all.
I don't mind at all
I think you have misunderstood my post. I was just saying that one MT might make $16,000 per year at 8 cpl and another MT might make double or triple that. Maybe even more. Being an experienced MT I know that it can depend on many factors, that is what I was trying to express. I'm sorry if you misunderstood.

Realistically, I don't think a new MT or even an experienced MT should anticipate $100K per year. So, if you still want my opinion, my guess would be that at 8 cpl, 40 hour week, you would probably make $30,000 to $35,000. Good luck!
I don't mind your asking--sm
as far as I know, they are still together. They got married one month after his financial obligation to me was ended. It took me a while to get over the anger, because I never even saw it coming, but I guess the anger was mostly at me, for letting myself get into that situation in the first place. I had to forgive him for what he did and the way he did it, and I had to forgive myself for being blind in the first place. I prayed alot and God took me through it. I give thanks every day for what He has given me in return. I AM happy though. Thanks for asking.
really do you mind
if I ask how productive you are with it?  Are you editing or transcribing or both?  What is a good hourly average lines per hour?  Thanks!
Oh, OK.....I did not know that, but ... please sm (if you don't mind)

If you are on a regular page in IE, say on this page rigth here, if you hit ctrl F3 do you get the productivity tools?  Maybe I am wrong in what my problem is.  When I try to log into Bayscribe from the log in page I get an error that says "No such Account.BPTVer = [].  My account has been checked by two others who can get it, but I can't. 


Thanks again!  It is so nice of you to try to help.  I very much appreciate it.


Paula


You can do it if you put your mind to it.

Check out this link - it shows you some samples!!!  Good luck!  I'm sure you could get the hang of it if you want it bad enough!


http://www.mtdaily.com/mt1/gensampleops.html


Don’t know where my mind was,
know you were talking per mile, not hour. I do not know what the most is he ever made per mile because we have not been married a long, long time but just know am glad he has the job he has, otherwise I would be working my numerous jobs to make a living now with the MTers money steadily declining. I am also glad he did not buy his own truck as 1 coworker tried to get him to. The gas situation went sky high after that and thank goodness he was not involved in that. He loves his job (as do I) and some are just not cut out for that field, same as ours I guess.
Never mind, Sorry, just saw
that you sadi "son" and the person I'm talking about only has a daughter, but the same thing happened to her this morning in a conference call. Must have been the same company. That is very sad
How old are you, if you don't mind me asking? sm
Please don't be alarmed right now. I am anxious to know what they say. I had a breast scare a few weeks ago with indented breasts and nipple changes (no discharge). Everything came back clear and normal. PLEASE keep us informed. Do you ever visit the Gab board on this site? I am there every day. Please post your concern over there and we will support you. Plus, I want to know what the mammo says! Thanks!

Kim
if you don't mind my asking??

what do you average your houly salary to be.  No IC answers please.  I'm talking working 40 hour weeks, no OT, no ASR.  I can only seem to get to about $16/hr and I hear all these people on here talking about $25/hr.  How in the world do you do it? I'm not being nosey, i'm just wondering if i'm at the low end of the totem pole. TIA


 


 


All in my mind?!?!........
Don't they know where you live? Didn't you know that most of them pay you by where you live? Rural folks do get less pay, and I had a supervisor once tell me that one when I was employed with an MTSO. It would be nice to see someone like you come here and try to get a job for what they pay you in the urban areas. It's all in your mind.
do you mind saying where you went?
it sounds like things worked out good for you :)
Do you mind me asking what DQA is?
Sorry, I'm confused. I am hoping to hear from MDI-MD at this point as well. Sounds like a good choice to me. Thanks for your help. But is DQA something else? Maybe its late, and I hope its not some easy term that my fried brain is missing. You know how it is with MQ, trying to figure out all those abbrevs and acronyms...Still confused between DEP and DQS.
never mind
I fixed the problem.
if you don't mind my asking,
what is a jump drive?
never mind
I found the answer on the site. Sorry!!  I will try getting stickers for the keys. I don't need them, the husband and kids do occasionally. Thanks.
Never mind BOS
The JCAHO (who accredits hospitals) has a list of dangerous abbreviations that should never be used because of the hazard to the patient of mistaks being made.  Try to get a copy of that list and go by it if you can.
Are you out of your mind?????
Now, WHAT was CRAPPY about her post?
She just stated that she tried a lot to get a job and could't.
Where is the crap??????
If you don't mind me asking...
how do you charge? What are your rates?
If you don't mind me asking

Sorry, I did not see your question.  I charge 14 cpl.  I transcribe for 2 neurology practices and half of a cardiology practice.  There are 3 neurology docs for one practice (and the dictate everyday. My other neurology practice has 2 docs.


The cardiology docs (2 of them) each dicctate 3 days per week. I am an  independent contractor. I get paid once a month from each practice.


If you want anymore info, just let me know.


Do you mind if I
emailed you?
Losing Mind
I guess about now after five weeks, I would be losing my mind too, seeing that the father was let go, even though he told those boys, no body, no crime, and the other two boys are let go.  What lawyer father would tell his son no body, no crime and then not wonder what is going on?  Of course, he knows what went down.  Any law abiding father, when he sees that a girl is missing and his son, who was with her the night before asked about no body, no crime would go to the police.  You think Natalees mother is acting like she lost her mind, I would be much worse.  I would be protesting in front of the rich kids house, I would be speaking out every chance I got, shame the police into doing their job, which they obviously are not doing too well.
Thank you. I will keep these things in mind - sm
The mother in me can't give up on the little girl.

My daughter ripped the heads off all of her Barbies when daddy moved out, then she had a funeral for them in the back yard. She was 7 at the time. I was a little freaked by that myself.

She was a complete little brat for that first year. I had both of my kids in counseling too. Grief does strange things to little people. They just don't have the tools to cope without our help.


OMG, you read my mind!
so, any ideas? I need some new lunch ideas. Tired of sandwiches, chips, etc.
It appears that your mind is (sm)

the one that is closed, which is why nothing will ever be done.


I have done my part.


What you eventually do about your own situation is completely on your shoulders, not anyone else's.


you speak your mind ....
with facts and not with vicious attacks and I like that quality in people.  What you say makes sense and I appreciate reading your opinion.  But I did not post anything with the intentions of warning someone away but rather they research certain things before accepting a position with not just a particular transcription service or company but with any prospective employer and decide for themselves what is right for them.