Written by Scott Allen

Tax Debt Advisors help—What is an Offer in Compromise?

Tempe AZ IRS Offer in Compromise

An Offer in Compromise (OIC) is an offer to pay less than what you owe to the IRS and receive a complete settlement of all past tax debts, including interest and penalties.  The OIC program is only one of several ways to settle your Tempe AZ tax debt for less than what you owe.  IRS Form 656 and Form 433-A are the OIC accepted forms for individuals.  IRS Form 433-A Worksheet calculates the amount that needs to be offered.  The terms and conditions of the OIC include filing and paying on time your taxes for the next five years.  If you cannot file your individual tax return (1040) by April 15, you must request an automatic extension and file and full pay by the extension deadline.  The IRS approves only a small percentage of the offers submitted.  In 2004 only 16% of the OIC’s were accepted.  In 2010 the percentage was 24%.

It is a big mistake to file an OIC unless you are fairly certain you will have acceptance.  Interest and penalties continue to accrue as well as the statute of limitations.  If it takes the IRS 2 years to reject you OIC, you will come out of the process in much worse shape than when you submitted your OIC.

Tax Debt Advisors is next doors to Tempe AZ and has the experience to properly calculate and submit an OIC with a high degree of success.  Tax Debt Advisors has been assisting clients on Tempe AZ IRS problems for over 45 years.

 

Written by Scott Allen

We are Mesa Arizona’s Top IRS Problem Solvers for Offers in Compromise—General Information

IRS Offer in Compromise Mesa AZ

Here is some general information the IRS Offer in Compromise.  Beyond the basics you are best to consult with a local IRS resolution expert in Arizona.  If you truly cannot afford to pay back the taxes owed, including the interest and penalties, you may be a candidate to apply for an Offer in Compromise.  This IRS settlement option allows you to settle your entire debt for a lesser amount.  This can be done by making short monthly payments or one lump sum.

An Offer in compromise has an advantage over filing a bankruptcy because payroll taxes cannot be eliminated by filing a bankruptcy.  Once your offer has been accepted and you have paid in full the agreed amount, the IRS will remove all tax liens.  The amount that is considered acceptable by the IRS is based on your ability to pay.  Financial statements with proof of all of your personal and business expenses will have to be provided along with bank statements.

Many potential Mesa AZ Offer in Compromise clients qualify for an Offer but the amount considered acceptable to the IRS is more than the taxpayer can pay.  To determine if you are a viable Offer candidate, contact Scott Allen E.A. of Tax Debt Advisors, Inc.

 

Written by Scott Allen

We are Mesa Arizona’s Top IRS Problem Solvers for Payroll Tax Debt

Payroll taxes are not dischargeable in a bankruptcy and therefore need to be resolved with some other IRS settlement option.  A monthly payment plan will require you to pay the principle, interest and penalties in full or until the statute of limitations runs out which will be 10 years from the date of assessment of the IRS tax debt.  If your monthly payment is very small or the statute of limitations is about to expire or you qualify for a currently not collectible status you may want to selection one of these options versus an IRS Offer in Compromise.  The Offer program may be the best option if none of the above apply to you.

The Offer program is a lengthy process that will require you to stay in compliance during and after you have been approved and made the required payment.  Few taxpayers understand the process and how to keep their Offer from being disallowed.  Scott Allen E.A. in Mesa AZ provides a free initial consultation and can walk you through all the steps needed to select the right settlement option.  You can reach Scott Allen E.A. at 480-926-9300.

info@taxdebtadvisors.com

Written by Scott Allen

Voltaire and Your Arizona IRS Problem

There are many valid arguments in the philosophy of Voltaire.  The best source containing many of his ideas comes from his novel titled, Candide.  Knowing that having a serious IRS matter is not to be taken lightly, Scott Allen E.A know the reality of what you are facing.  Scott Allen has the expertise you are seeking and can provide you the best IRS settlement allowed by law.  Call Scott Allen E.A. at 480-926-9300 and schedule your free initial consultation.

Voltaire (1694-1778)

Candide—“Cultivating our Garden”

“Animals have these advantages over man: they never hear the clock strike, they die without any idea of death, they have no theologians to instruct them, their last moments are not disturbed by unwelcome and unpleasant ceremonies, their funerals cost them nothing, and no one starts lawsuits over their wills.”—Voltaire
“Work saves us from three great evils; boredom, vice and need.”—Voltaire, Candide
Voltaire was a French philosopher, novelist, playwright who insisted that the task of the intellectual is to “Crush infamy!”  For Voltaire, infamy consisted of all forms of intolerance.  Despite imprisonment and exile, Voltaire spent much of his life resisting the tyranny of religious and political repression.
In this Chapter we will review his novel, Candide, published in 1759, to demonstrate his combination of wit, satire and narrative skills to expose the philosophy of optimism.  I am referring to the kind of optimism that prevents our awareness of evil, especially of kind of evil that is the product of human cruelty or complacency.
Voltaire grew up in a middle class home, received a Jesuit education and took up the practice of law.  He soon abandoned his career in law for literature.  His satiric writings soon put him on the wrong side of the law and he spent 11 months in the Bastille when he was in his early 20s.  His imprisonment did not deter him from continuing to write and publish works critical of social injustice and political inequity.  Although his business speculations made him a rich man by the time he was in his early 30s, his wealth did not protect him from further imprisonment.
In 1726, Voltaire left France and spent three years in exile, mostly in England.  His philosophical letters, originally called The English Letters, which were published in 1734, was a result of his time in England.  The letters are the work of an imaginary French visitor to England writing home, praising English tolerance and pragmatism.  Their publication, like so much of Voltaire’s work, upset the authorities and his printer was imprisoned and the letters were publicly burned.

After publishing these philosophical letters, Voltaire was condemned by the Parliament of Paris as offensive to politics and religion.  When he returned to France, Voltaire spent the next 15 years living on the estate of his wealthy patron and mistress, studying and writing extensively.  After her death in 1749, Voltaire lived at the court of Frederick the Great of Prussia until 1752.   Only when he was in his late 50s did Voltaire finally purchase property of his own outside of Geneva, Switzerland.  Voltaire spent the last 20 years of his life in Geneva at his estate, where he wrote essays, participated in politics and corresponded with royalty, philosophers and actors.

In the last year of his life, 1778, Voltaire, now famous throughout Europe as a social critic and writer, returned to Paris in triumph, but died three months later.  He was denied burial in consecrated ground and his body was smuggled out of Paris.  In 1791 his remains were returned to Paris and in an elaborate funeral procession organized by French revolutionaries, he was buried at the Pantheon.  When the Bourbons returned to power, the remains of both Voltaire and Rousseau were removed from the Pantheon, carried in a sack to the outskirts of the city and dumped into a pit of quicklime.
Voltaire was one of the Enlightenment’s preeminent philosophers who believed in human perfectibility, religious tolerance and deism which is a belief based on nature and reason, and in the existence of a God or Supreme Being rather than the Christian God of revealed religion.

With their progressive views, especially the concept of religious tolerance and rational inquiry, these writers inevitably challenged the political, religious and philosophical establishments.  Voltaire’s work spans across the spectrum of literary genres and style, from drama to history and philosophy.  He believed that experience in the material world could be categorized and thus controlled through the intellect.

Though Voltaire considered his best work to be his tragedies, he is remembered now mostly for his satirical works like Candide.  Candide was published anonymously in 1759 and distributed illegally.  It enjoyed instant success, even though those who were the objects of this satire naturally condemned it as scandalous and indecent.
The police were ordered to seize all copies of Candide that could be found, but the controversy only served to fuel the book’s popularity, and by the end of the year at least 17 editions of the work had been published.  Religious officials pronounced the book full of dangerous principles concerning religion and encouraging moral deprivation.
Candide voices outrage against the capacity of man to brutalize his fellowmen and spares no one in his attacks.  Voltaire attacks the aristocrats, military and religious power structures that work together to create a world of cruelty and inequality because it supports their own vices—greed, decadence, hypocrisy and egotism.  Voltaire’s ridiculously contrived plots, impossible coincidences and people resurrected from the dead, mocks the gullibility of readers of fiction who mistake the imaginary for actual events.
The dark comedy of the misadventures of Candide and his companions is a mockery of a belief in a rational and just plan for the universe without providing much comfort and optimism for the future.  Voltaire satirizes, in particular, the optimistic philosophy of Leibniz.  Voltaire reduces Leibniz’ philosophy to an unfairly simplistic formula: Everything is for the best in the best of all possible worlds.
According to Leibniz, God is omnipotent and, therefore, could have made any kind of world, but he is also benevolent, and so He would necessarily have made the best possible world so that what may strike us as problematic, or evil, or difficult in the creation is really there to provide some greater good which would have been lost had the apparent evil not been part of the plan.  To take a very simplistic example, if we fall off a ladder and break a leg, or an expensive vase falls and breaks into a hundred pieces, we might see gravity as a destructive part of the universe we live in.  Since God could have made any kind of world, He could have made one without gravity.  The logic of this argument would say, gravity keeps everything in its place and keeps us from flying off into space, and so the benefits of gravity outweigh its detriments.  The best of all possible worlds, therefore, will necessarily have gravity in it.

This argument applies to everything in our world.  It is true for earthquakes, floods, famines and disease.  All of which are necessary if we could simply see the larger picture to understand what greater good comes from these apparent evils.

This theory can be a comfort in times of disaster.  If something really terrible happens to us, we may be able to feel slightly better about it if we can understand that it is serving some larger good.  But it can also lead to apathy to make the world better, since if all pain and suffering in the world serve some larger purpose; there is no reason to try to minimize it because it is there to provide some greater good.
Voltaire himself was an optimist early in his life.  It was the trendy idea of the age, and it could be reconciled with Deism, which was the religion of the intelligentsia, which saw God as a cosmic watch maker who had created the universe, wound it up, and then left it to run by its own natural laws.  As Voltaire grew older, though, he found it harder to justify the sheer amount of misery and calamity in the world with confidence that it was leading to some greater good.  A turning point for him was the Lisbon earthquake of November 1, 1755.  On the Catholic calendar, November 1st is All Saints’ Day, so many of the inhabitants of Lisbon were in church when the earthquake struck.  It leveled the city and it killed between 30,000 and 40,000 people.  In a letter that Voltaire wrote shortly after the Lisbon earthquake he said:
People will be hard put to explain how the laws of motion bring about such frightful disasters in the best of all possible worlds; a hundred thousand ants, our neighbors, wiped out at one stroke in this single ant-hill, and half of them perishing no doubt in indescribable agonies amid ruins from which they could not be dragged; families ruined at the ends of Europe, the fortunes of a hundred traders…buried in the ruins of Lisbon—what a terrible gamble is the game of human life!…If the Pope had been at Lisbon, would he have dared to say, All is well?…There is a terrible argument against optimism.
The full response of Voltaire to the Lisbon earthquake and to his abandoning the whole idea of Optimism came four years later in Candide, which is subtitled Optimism.  Everything that happens to the little group of protagonists Voltaire brings together in this book has happened to somebody in the course of history, and some of the events in the book are based on actual historical events.
Reading Candide is like watching a Roadrunner cartoon in which Wile E. Coyotes is killed about ten times in five minutes, and every time he bounces back to skim through his Acme catalogue to come up with his next plan for catching the Roadrunner.  Every episode or adventure leads to the next without there being necessarily a causal connection between them.  Candide is a satire on human efforts to comprehend life and the universe.
Candide is about the misadventures of Candide, Voltaire’s naïve hero, whose name suggests both his directness, his honest—he is candid—but also in its Latin form means “white.”   Candide adheres steadfastly to the tenets of optimism, as taught to him by his childhood mentor, Pangloss: “Pan,” which means “all,” and “gloss,” which means “language” or “talk.”  Pangloss preaches Leibniz’ philosophy, that all is good in the world, despite any evidence to the contrary.

Pangloss gives lessons on “metaphysico-theological-comolonigology,” whatever the heck that is.   He proved admirably that there cannot possibly be an effect without a cause; and, that in this best of all possible worlds, the Baron’s castle was the best of all castles, and his wife the best of all possible baronesses.
‘It is clear,” said he, ‘that things cannot be otherwise than as they are; for since everything is made to serve an end, everything necessarily serves the best end.  Observe.  Noses were made to support spectacles.  Hence, we have spectacles.  Legs, as anyone can plainly see, were made to be shaped and build castles with, thus my lord has a fine castle; for the greatest baron in the province should have the finest house.  And since pigs were made to be eaten, we eat pork all year round.  Consequently, those who say everything is well are uttering mere stupidities; they should say everything is for the best.’
Pangloss is all talk and is incapable of judging reality, which is, on the evidence of what happens to him and Candide, pretty amazing.  Cunegonde is Candide’s love interest and his search for her is the plot of this novel.  Cunegonde is also a student of Pangloss, but life’s hardships lead her to become ambivalent about his optimistic teachings and thus suggest that women’s more pragmatic approach to reality might be, in the end, more productive than merely philosophizing about life.
Half way through Candide’s journeys, he meets Martin, who remains the hero’s travel companion throughout the rest of the story.  Martin is a pessimist, a self-described Manichean—that is, one who sees the universe as a battlefield between good and evil and who predictably sees the world contrary to Pangloss.
In the first half of the novel, Candide’s journey is determined by chance rather than by his own free will.  In the second half, Candide actively pursues his own choices, although it does not seem to offer him any advantage in dealing with the world.
In chapter 1, Candide is exiled from his native Wesphalia, an earthly paradise, when his protector discovers his daughter, the Baroness Cunegonde, kissing Candide.  Candide innocently believes that life at the Baron’s chateau is “the best of all possible worlds,” as Pangloss has taught him and thus he accepts being exiled from what he believes to be paradise.  Candide’s education about the real nature of the world begins as soon as he leaves Wesphalia and finds himself ultimately fleeing violence or persecution and being saved by the goodness of strangers.
In chapter 2, for example, he is duped into joining the Bulgarian army, but deserts his unit when he experiences the atrocities of war.  Atrocities committed first by one side and then in revenge by the other, but all in accordance with law. When he flees to Holland, he escapes these horrors and is reunited with Dr. Pangloss, who is at first unrecognizable because he is suffering the ravages of syphilis:
Despite his condition, Pangloss insists that syphilis is a necessary ingredient, and indispensable part of the best of all possible worlds, since his private misfortune generates the need for public welfare.  His condition gives others the opportunity to practice charity.
Pangloss and Candide then travel to Lisbon, just in time to be injured in the terrible earthquake that devastated the city in 1755.  Pangloss appears to die at the hands of the Inquisition, while Candide narrowly escapes death and is reunited with Cunegonde who miraculously recovers from the rape and disemboweling committed on her body by Bulgarian soldiers. By chance, Candide kills her lover, the Grand Inquisitor and then flees with her to the New World, where Candide once again loses Cunegonde to a lascivious colonial governor in Buenos Aires.  Candide once again escapes death by vengeful natives in Paraguay, and his companion, Cacambo concludes, “This hemisphere is no better than the other.”
Giving themselves over entirely to fate, Candide and Cacambo take a small boat down the river in Paraguay where they discover the mythical city of El Dorado, where the streets are paved in gold, people are good-natured, healthy and free of ambition and everyone is equal and equally enlightened.
Candide’s departure from El Dorado suggests that even if Pangloss were right, even if there were a place where all was for the best and the best of all possible worlds, it is in man’s nature to reject it and see a more varied happiness, one that is more desirable, precisely because it is more uncertain.

In the second half of the narrative, Candide decides his own fate by choosing an itinerary with the goal of finding Cunegonde.  Returning to the real world from El Dorado is thwarted and prolonged by villains.
Cunegonde, our hero’s only hope of happiness, remains elusive until late in the novel, when Candide and his associates rescue her.   But this only brings disillusionment as she is not longer as Candide remembers her.
The tender lover Candide, sees his lovely Cunegonde with her skin weathered, her eyes bloodshot, her breast fallen, her cheeks seamed, her arms red and scaly, recoiled three steps in horror, and then advance, only out of politeness.
In the last chapter, Candide, Cunegonde, Cacambo, Martin, Old Woman and Pangloss settle together on a small plot of land in Turkey.  When not arguing with each other, they inevitably encounter the last of human vices, boredom.
‘I should like to know,’ says the Old Woman, “Which is worse, being raped 100 times by Negro pirates, having a buttock cut off, running the gauntlet in the Bulgur army, being flogged and hanged, being dissected, and rowing in the galley, experiencing, in a word, all the miseries though which we have passed, or else just setting here, doing nothing?’
They attempt to rejoin humanity but consult some locals first.  One tells them not to concern themselves with God’s intentions; an old farmer tells them not to concern themselves with public affairs and just work their land, which will spare them from the three evils: boredom, vice, and need.  The whole group take this advice and cultivate their garden and find a certain degree of peace and happiness—though it is an imperfect happiness.
Dr. Pangloss’ philosophizing provides no solution to the problem of evil in the world.  Pangloss’ optimism is worse than the mere absence of the solution because it justifies passivity and indifference to the cruelties in this world.  Thus, like other defenses against evil, such as the Christian belief in the value of suffering and a heavenly reward, or the romanticized violence of medieval conquests, Pangloss’ optimism does nothing to resist evil or change the world for the better.
Voltaire wishes to challenge the philosophy of optimism in order to argue for the presence of free will in man.  According to Voltaire, Leibniz asserts that God made only one world, “the best of all possible worlds,” which necessarily includes original sin.  Leibniz thus sustains a central claim of the religious establishment, that man is born evil and must depend on the Church for spiritual reform.
Voltaire argues that man is born free to choose between good and evil.  The many instances of vice and corruption encountered in Candide are not part of God’s master plan; rather, these evils are the product of man’s failure to choose good and resist evil.
In El Dorado, a world that exists outside of both the New and Old World—in other words, a utopian space.  Candide suggests tentatively:
This is probably the country where everything is for the best, for it’s absolutely necessary that such a country should exist somewhere; and whatever master Pangloss said of the matter, I have often had occasion to notice that things went very badly in Westphalia.
One of the most disturbing episodes in this story happens when Candide tries to hire a passage on a boat from Surinam to Italy, along with a couple of rare sheep he still has left over from El Dorado.  The Dutch merchant with whom he is trying to book a passage sets a fee; Candide agrees to pay it.  But the ease with which Candide has decided that he will pay that fee suggests to the merchant that he is dealing with a rich man, so he goes away and comes back a little later.  He says, “I’m going to have to double that fee.”  Candide say, “Okay.”  So the merchant leaves again and comes back a little bit later and he raises the fee again.  Candide says, “Alright, I’ll pay that.”  Then the merchant takes the sheep and all of Candide’s luggage aboard and then sets sail without Candide.  Candide immediately rushes to the house of a Dutch magistrate and there he knocks very loudly on the door.  He is, after all upset after having lost a great fortune to the merchant.
In telling his story, he perhaps speaks a little louder than he usually does and the magistrate fines him a large amount for disturbing the peace.  After paying the fine the magistrate says, “Okay, now, if you talk quietly, I’ll listen to the rest of your story.”  Candide tells him the whole story of what the merchant did to him.  The magistrate charges him another exorbitant fee for listening to the story, promises to look into it, and then that is the end of the matter.  Nothing ever comes of it.  Candide, in reflecting back on this, says that, while he has endured a lot more painful experiences, this one really affected him the most.  He says that the sheer treachery of the merchant and the mechanical, complacent, coldness of the magistrate make him dwell on what he calls the “malice of men in all its ugliness” and this puts him into a very deep melancholy.
And so it goes throughout the course of this book.  Just outside Surinam, Candide and his traveling companion come up upon a black man who is missing a right hand and a left leg.  He tells them that he works in a sugar mill as a slave.  Once he caught his finger in the machinery and the punishment for catching your finger in the machinery is to have your hand cut off.  Once he tried to run away and the punishment for trying to run away is to have your leg cut off.  Candide tells his companion he thinks he is going to have to give up on the theory of Optimism.  When his companion says, “What is Optimism?”  Candide says, “It’s a mania for saying that all is well when one is in Hell.”  Despite his pity for the Negro, Candide’s belief that even this injustice must serve a useful purpose shows his passivity in the face of evil.
The question about all of this is where does human nature come from?  Why are humans the way they are?  Candide asks Martin:
Do you believe that men have always massacred one another as they do today?  That they have always been liars, traitors, ingrates, thieves, weaklings, sneaks, cowards, backbiters, gluttons, drunkards, misers, climbers, killers, calumniators, sensualists, fanatics, hypocrites, and fools?
And Martin says, “What do you think?  Do you think hawks have always eaten pigeons when they could find them?  For Martin, human nature is as fixed as hawk nature.  The overwhelming theme in Candide is that people are corrupt, even if they were not born that way.  This is a very pessimistic view of the world, but even Martin, the pessimist, admits that it is always good to have hope.  This book offers the only hope for happiness in a largely corrupt world through the exercise of a collective free will, that is, “cultivating our gardens” or creating a greater social good.
The whole little group entered into this laudable scheme.  Each one began to exercise his talents.  The little plot yielded fine crops.  Cunegonde was, to tell the truth, remarkably ugly, but she became an excellent pastry cook.  Old Woman did the laundry.  Everyone did something useful.  Pangloss sometimes used to say to Candide, ‘All events are linked together in the best of all possible worlds, for, after all, if you had not been driven from a fine castle by being kicked in the backside for love of Miss Cunegonde, if you hadn’t been sent before the Inquisition, if you hadn’t traveled across America on foot, if you hadn’t given a good sword thrust to the Baron, if you hadn’t lost all of your sheep from the good land of El Dorado, you wouldn’t be sitting here eating candied citron and pistachios.
‘That is very well put,’ said Candide, ‘but we must cultivate our garden.’
There are lots of ways we can interpret cultivation of our garden.  Voltaire uses a metaphor about “mice in the galleys.”  This metaphor suggests that the universe was not made for our specifications any more than the ship was made for mice.  Like the mice, we are accidental tourists on this planet.  Speculations about good and evil, about the purposes of creation, are as foolish as mice speculating on the nature of the ship.
The Turkish farmers says that work keeps us, individually from boredom, vice and poverty.  That is, if we stay busy, we will be less likely to be entangled in pointless speculations like the mice on the galley.  Martin says, “Let’s work without speculating, it’s the only way of rendering life bearable.”

Voltaire Quotes
Every man is guilty of all the good he didn’t do.
Judge a man by his questions rather than by his answers.
I disapprove of what you say, but I will defend to the death your right to say it.
Each player must accept the cards life deals him or her: but once they are in hand, he or she alone must decide how to play the cards in order to win the game.
Faith consists in believing when it is beyond the power of reason to believe.
Is there anyone so wise as to learn by the experience of others?
It is hard to free fools from the chains they revere.
No problem can withstand the assault of sustained thinking.
No snowflake in an avalanche ever feels responsible.
Optimism is the madness of insisting that all is well when we are miserable.
When it is a question of money, everybody is of the same religion.

Scott Allen E.A. has witnessed the success of his family’s IRS resolution practice first hand and is carrying on the tradition to the second generation.  Tax Debt Advisors, Inc. in Arizona has been helping individuals like you with IRS tax problems since 1977.  You will only work with Scott Allen E.A. from start to finish.  Scott is licensed to represent you before the IRS in all 50 states.  He will only take your case if it is in your best interest.  That is why our family business is enjoying its 37th year.  Scott Allen E.A. promises straight answers and follow through service and guarantees the most aggressive tax preparation and IRS settlements allowed by law.  Call Scott to schedule your free initial consultation at 480-926-9300.  He will make today a great day for you!  For more information go to Stop IRS Action.com.

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Written by Scott Allen

We are Mesa Arizona’s Top IRS Problem Solvers for Offer in Compromise—Big Warning !

Let’s start out with a big warning. Very few taxpayers qualify to do an IRS Offer in Compromise. Most cannot afford the amount of the Offer the IRS will accept. If you are told by a IRS resolution professional that you qualify for an Offer in Compromise get a second opinion. This is especially true if you are talking with an out of state company that often make promises they cannot keep. Get your second opinion locally here in Arizona. You will probably find out that you do not qualify for the Offer amount you were first told and you will likely feel better about using a local company as well.
Scott Allen E.A. of Mesa AZ is the right choice to get your correct determination if you qualify for an Offer and the amount you would qualify for. Often the Offer in Compromise option is not the best settlement option. Before you leap into a commitment financially, call Scott Allen E.A. at 480-926-9300 and schedule a free initial consultation. You will quickly know you have made the right decision during your first appointment.

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Written by Scott Allen

What do you need to know about the Scottsdale AZ Audit Reconsideration process?

Audit Reconsideration should be used as a remedy when:

• The IRS assessed additional tax from an audit, or

• A return was prepared by the IRS called a Substitute for Return (SFR).

The audit reconsideration process in Scottsdale Arizona allows the IRS to “reconsider” the taxpayer’s documentation.  If you have already paid the tax liability in full, you may file an amended return on IRS Form 1040X.

The IRS will “reconsider’ if:

• You are able to submit information that was not taken into consideration that would result in lowering the tax owed.

• You filed a return after the IRS filed a substitute for return (SFR).

• You believe the IRS made an error in their calculations of taxes or penalties or interest owed on your tax debt.

• Tax credits were denied.

Scott Allen E.A. of Tax Debt Advisors is available for a free initial consultation about filing for an Arizona IRS Audit Reconsideration.

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Written by Scott Allen

Arthur Schopenhauer relates to your Arizona IRS Problem

The time between the moment you decide to resolve your IRS problem and when you get a settlement can be excruciating.  Scott Allen E.A. of Tax Debt Advisors has the expertise to help you through the IRS maze and will get the best settlement option available.  Scott offers a free Arizona initial consultation and can be reached at 480-926-9300.

Schopenhauer is quite a character but there is something intriguing about his philosophy that just may help you during the time you are working your way through your IRS problem with Scott Allen E.A..

Arthur Schopenhauer (1788-1860)

Finding Meaning Through Aesthetics, Sympathy, Music, and Passivity

Arthur Schopenhauer was born in 1788 in the city of Danzig, Germany on the Baltic Sea.    He was the son of Heinrich and Johanna Schopenhauer, who were both descendants of wealthy German middle class families.  In 1805 Schopenhauer’s father committed suicide when he was only 16 years old.  His mother, who was a famous author, kicked Arthur out of her home when Goethe told her that her son was destined for great things. She followed this up with a letter and wrote, “I hope I never have to see you again.” She could not tolerate any competition from her son for the attention she desired only for herself.  There is no doubt that these experiences contributed to Schopenhauer’s view of the world and his philosophy.

Schopenhauer knew at a very young age that he was a genius.  A fact that his parents often wished was not discovered by their son until after he was out of their home.  There are letters from his parents written to him when he was a child asking him why he was so disagreeable?  Why do you need to challenge what everyone says and not accept what others have to say?  He was convinced of his genius all his life.  Schopenhauer sincerely believed in his genius and his purpose in life was to bring his view of the truth to others not able to “see the target.”

Schopenhauer became a student at the University of Gottingen in 1809.  There he studied metaphysics and psychology.  In 1818 Schopenhauer published his masterpiece, The World as Will and Idea.    In 1820, Schopenhauer became a lecturer at the University of Berlin.  It was there that he came into direct competition with  G. W. F. Hegel, whose philosophy he despised.  He scheduled his own lectures to coincide with Hegel’s in an attempt to destroy student support of Hegel’s philosophy.  However, only 5 students came to his first lecture and none came to his second and Schopenhauer dropped out of academia and never taught at a university again.  This was the only job that Schopenhauer ever had and it lasted only one day.

While living in Berlin, Schopenhauer was named as a defendant in a law suit by a woman named Caroline Marquet.  She asked for damages, alleging that Schopenhauer had pushed her.  Knowing that he was a man of some means and that he disliked noise, she deliberately annoyed him by raising her voice while standing right outside his door.  Marquet alleged that the philosopher had assaulted and battered her after she refused to leave his doorway.  Her companion testified that she saw Marquet prostrate outside of his apartment.  Because Marquet won the lawsuit, he made payments to her for the next twenty years.  When she died, he wrote on a copy of her death certificate, “Obit anus, abet onus.”  (Latin for, “The old woman dies, the burden is lifted).  Schopenhauer tended to rub people the wrong way and if they got in his way he was not hesitant to abuse them in his writings, verbally or as in this example physically.

Schopenhauer was considered a liberal in his social views: he was strongly against taboos on issues like suicide and homosexuality.  He condemned the treatment of African slaves and supported the abolitionist movement in the United States.  He was very concerned about the rights of animals and praised the establishment of the Society for the Prevention of Cruelty to Animals in London and the Animals’ Friends Society in Philadelphia.

In 1831, a cholera epidemic broke out in Berlin and both Hegel and Schopenhauer fled the city.  Hegel returned prematurely, caught the infection and died a few days later.  Schopenhauer moved south and settled permanently in Frankfurt in 1833.  He remained there for the next 27 years living all alone except the companionship of two poodles named Atma and Butz.  He enjoyed good health until 1860.  He died sitting in his armchair of heart failure on September 21 of that year at the age of 72.

Schopenhauer’s philosophy is considered by many to be deeply pessimistic.  But he obviously must have made some valid observations since Nietzsche, Freud, Jung, Wagner, Mahler, Schoenberg, Darwin, Proust, Kafka, O’Neill, Tolstoy and Einstein credit him for having great influence on their work.  This list includes leaders in philosophy, music, science, psychoanalysis, authors and playwrights.  The breath of Schopenhauer’s influence makes his life and work worthy of serious review.

Schopenhauer wrote that the will is a blind, rationally inaccessible force that is a primitive energy.  This energy manifests itself in and through everything.  The will gives us pleasure so that we will reproduce and pain so that we will avoid being eaten.  It is impersonal, insatiable and dwells within us.  It is a source of considerable suffering.  After you satisfy the cravings and desires of the will, you have a brief respite, but then typically you become bored.  As Schopenhauer put it, “Life is nothing but a pendulum swinging between the pain of unfulfilled desires and boredom.  Once we fulfill our desires then we are satiated and our strivings are quieted momentarily but we immediately sink into boredom or emptiness.”  Schopenhauer says that unsatisfied desires often have unfortunate and painful consequences.  So the two options for human existence are pain and boredom.  As long as one is alive, they are under siege by the will and the only way to eliminate that is to eliminate one’s self.  Schopenhauer felt that Buddhism offered a way to minimize the negative effects of the will.

Even though Schopenhauer was so pessimistic in his views of life, does not mean that he did not enjoy life.  Nietzsche reminds us in his book, Beyond Good and Evil, “One must remember that Schopenhauer played the flute every night after dinner.”  Nietzsche felt that Schopenhauer still found things in life that he enjoyed despite his pessimistic philosophy.
One must ask the question, “Was Schopenhauer’s view of life appropriate for everyone or just Schopenhauer?”  And secondly, was Schopenhauer more vulnerable to the strivings of the will than others?  Was he such a pained, fearful, neurotic person that his personality influenced his philosophy or did he actually discover the truth about certain things that led to his view of the world?  I think it highly probably that we are all affected to one degree or another by this will, but that degree differs from person to person.  And we are probably more prone to the effects of the will at certain stressful points during our lives than others.  Schopenhauer would disagree with my points here.  He felt that we are all affected by the will beyond our ability to deal with it and find meaning in life.  All we can do is try to minimize its effect on us.
The world is not just will to Schopenhauer, it is also idea.  The world is what we think it is and that is always an illusion or a perception.  The world is what our mind tells us it is.  There is no reality, only illusion and even though an illusion is shared by many, it is still not reality.  Life is just a spark in between two pools of darkness without any meaning or purpose.

Schopenhauer felt himself in competition with Hegel.  In one of his writings he stated, “I wish to apologize to the reader of the future for mentioning Hegel, a philosopher you have never heard of.”  Hegel celebrated the human spirit and taught his students how to enjoy that spirit.  He believed that the human spirit controlled the destiny of history.  In another classroom across the hall was Schopenhauer saying, “There is a force that wells up in you.  It is always there.  It gnaws at you.  It is always victimizing you because it wants more and more.  If you get what you want, you get bored.  If you get what you want it might even be painful.  Usually you don’t get what you want.”

Schopenhauer contradicted Hegel by saying that history doesn’t have a rational direction.  History is just things happening and they happen because of this will that we experience through us, that is at work all the time trying to express and satisfy itself.  He would say things like “we have these fancy philosophical types who are telling us we can celebrate the human spirit.  They are telling us that we can learn to conquer our desires through reason.  They tell us that we can be creative and remove ourselves from the will that is pulsating through us.  That is all fine and good, but just let yourself experience your life and think about how you want food, sex, and excitement.  Sometimes you get what you want and most of the time you don’t.  Most of your desires are not met at all.  So you suffer.  You are always in a state of tension because of suffering, because of desire, because of the will.  You are not even conscious of the will.  It is buried below your conscious mind.”

As you can see Schopenhauer’s philosophy is very unpleasant and pessimistic.  His ideas did not make people feel comfortable.  Some have referred to it as “metaphysics from hell.”  Life is a state of being where your desires are not satisfied and your questions are never answered. And you are stuck.  There are no options except suicide and if you give in to suicide then you gave in to the will.  This is pretty pessimistic stuff.
Nietzsche and Schopenhauer started at the same point with the same data and came to different conclusions.  Both looked at life very accurately, both had no supernatural belief; both looked directly at the reality of death, and both looked at nothingness.  Nietzsche affirmed and embraced life and Schopenhauer chose to negate it.  Hume and Schopenhauer had the same basic beliefs and reacted much differently.  Hume was a very pleasant English gentleman and on his deathbed was asked how being an atheist he could be so calm facing death.  Hume replied that there was nothing before he was born and he didn’t want to be bored with an association of those who thought they were going to heaven.  There was absolutely no hint of pessimism or regret.  So it seems that personality and life experiences must have an impact on the philosopher’s philosophy.  It has been said that one must first understand the life of the philosopher before trying to understand their philosophy and that one follows the other.  But Schopenhauer did not just take us to the edge of the abyss and leave us there to fend for ourselves.  He offered remedies to the human condition as he saw it.  His remedies are valuable insights into living life whether or naught you believe in effects of the will.

Schopenhauer offers four methods of escape from this pulsing energy he called “the will.”   The first solution is what he called aesthetic contemplation.  For example we can get our minds off of things by seeing a movie or watching a sporting event.  During Schopenhauer’s time you might go look at a painting or other types of art to get your mind off the underlying agony that is the constant companion of all humans.  He admits that this type of relief is only fleeting and cannot sustain permanent relief.  This notion of getting disengaged from life by getting one’s mind off of its misery can be helpful for a while.  This may explain why the entertainment industry is so popular today.

The second suggestion Schopenhauer makes is the cultivation of sympathy for one’s fellow beings.  That too is only temporary.  It was Schopenhauer’s view that we should recognize that everyone is struggling with the will. All of us are suffering from its manifestations.  We all suffer the same agonies, and the realization that we are all in this together makes coping with it easier.  Having true sympathy or compassion, and understanding that everyone is struggling with the same thing, partially removes the ravages of the will.  It is not a cure, but at least something that can temporarily help us along and perhaps engender a noncompetitive acceptance of the condition we all face as human beings.

The third suggestion is music.  He believed that music has a special capacity to capture the will and lessen its negative impact on us.  Schopenhauer believed that music has a calming effect.  Music for Schopenhauer is not meant to make us understand anything.  It is to get us away from thinking about anything.  The music he listened to was usually without words or lyrics.  Mozart not Rap.  He thinks that music speaks in a language that can and does put us more at peace with ourselves.

The fourth suggestion is the most challenging.  Hold your breath—the best we might do is lose the will to live.  Schopenhauer thinks perhaps the best of all the remedies for the disease called life and its agonies would be to reach a condition of calm and tranquil passivity where our individual wills do not torment us anymore.  We don’t allow anything to matter to us, even our very selves.  It is his view that the loss of the will to live is not the same as the desire to commit suicide.  He is suggesting that we reach a benign and mellow point where things don’t matter anymore, even yourself.

In summary the human predicament is that we are victims of life.  Life itself is the disease and we need a cure from that disease and all the knowledge in the world will not bring about a cure. Schopenhauer brings a very strongly negative and pessimistic element into European philosophical thinking.  He believes that the best we can accomplish is to find whatever peace of mind we can.  This requires a disengagement from the painful cycle of desire and satisfaction of desires.

Schopenhauer proposed a thought experiment in which you go to a cemetery and knock on any tombstone and ask the person there if they want to be alive again and his conclusion was that none of the dead would want to be alive again.  Nietzsche would contradict Schopenhauer on this point by saying, if you lived well, if you lived life to its fullest, you would be willing to live it again an innumerable number of times.  This was Nietzsche’s law of eternal recurrence.  That one must embrace and affirm life to the point that we would want to live it all over again an infinite number of times exactly the same way.
Schopenhauer was very taken with Buddhist beliefs.  He was the major influential figure who brought Buddhist thinking to the West in a way that made it spread.  The message of Buddhism is that life is suffering and to be alive is to suffer.  Buddha said, “All is suffering.”  Suffering is brought about by desire and desire does have a cure and the cure is to lose our attachment to our desires.  It is this disengagement that Schopenhauer recommends.
I believe that Schopenhauer’s will is just another term to describe the “natural man.”  The natural man came into existence because of the Fall of Adam.  The Fall brought into the human condition pain and suffering, death, as well as a host of appetites and passions that are unrelenting.  As soon as they are satisfied, we are comfortable for a short moment only to be striving to satisfy those cravings again.

Schopenhauer’s remedies are: aesthetic contemplation, cultivating sympathy for our fellow beings, good music, and disengagement from our attachments and desires are similar to many admonitions from the scriptures. The scriptures teach us that we should be willing to bear one another’s burdens, mourn with those who mourn, and comfort those that stand in need of comfort and to deny ourselves of all ungodliness.

I am fascinated that Schopenhauer who is considered the most atheistic and pessimistic of all the philosophers recommends similar remedies to life’s struggles contained in ancient and modern day scriptures.  Despite his pessimism, there is much to benefit from understanding the following quotes of Schopenhauer.

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Written by Scott Allen

How long does it take for the IRS to release a tax lien after I pay off the liability?

The IRS has 30 days to release a federal tax lien in Peoria Arizona after it has been paid off or the statute of limitations has passed.  IRS Code Section 6325 (a) also requires the IRS to send you a copy of the Certificate of Release of Federal Tax Lien.  But this is not a perfect world.  So if you do not have the release within 35 or 40 days, you need to contact the IRS and remind them of their duties.

If you are in dispute with the IRS over your IRS tax lien, call Scott Allen E.A. of Tax Debt Advisors, Inc. for a free Peoria AZ initial consultation.

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Written by Scott Allen

What to do when the IRS Freezes my Bank Account in Arizona?

This is one of the best actions the IRS takes to get an Arizona taxpayers attention.  When the levy hits your back account, all funds in the account up to the amount of the levy are frozen.  You have 21 days to get the problem corrected before the bank is required to send your money to the IRS.  If you owe the amount of the levy, the IRS will more than likely get the amount levied unless you can prove the loss of the money will cause an extreme hardship.  An IRS levy is a one time event and will not affect future deposits.  However, there are always exceptions to IRS actions and rules.  For example, if a Revenue Officer issued the bank levy, they can continue to send levies against the bank account to get more of your money.  The best course of action is to resolve your IRS tax debt using an AZ professional IRS resolution company.  Scott Allen E.A. of Tax Debt Advisors, Inc. can provide you with all of your settlement options.  Scott provides a free initial consultation.  Contact Scott Allen at 480-926-9300 as soon as you get notice of a levy on your bank account.

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Written by Scott Allen

How to Avoid Making your Arizona IRS Problem Worse?

Most clients who have an Arizona IRS tax debt have actually made their problem bigger out of fear.  By following a few steps, you can minimize your IRS matter and make your settlement quicker and more favorable.
  1. Respond quickly to all IRS correspondence.  If you don’t understand what the IRS is asking, get professional help.  There are important deadlines that if missed will make your matter worse and take longer to get it settled.  You may miss out on certain settlement options if deadlines are missed.  It is imperative that you keep all of your options open if you want the best possible settlement.
  2. If you have unfiled returns, find a Mesa AZ professional that can file your back tax returns. Returns filed by the IRS usually result in much higher tax debt, interest and penalties.  Don’t fear that you can’t file a return because you have lost certain records.  Returns can be “created” accurate enough for IRS acceptance with professional assistance.
  3. Almost all IRS correspondence will allow you to have your case put on hold if you contact them before missing the deadline.  This will give you time to seek professional help and take the correct action.
Procrastination is self-administered poison when dealing with IRS problems in.  Get professional help in Arizona as soon as possible and your options will improve immensely.  Get the settlement you are seeking.  Don’t paint yourself into a corner.  Call Scott Allen E.A. of Mesa AZ today at 480-926-9300 and schedule a free initial consultation.

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