레이블이 Big Tax Write-Offs인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Big Tax Write-Offs인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 29일 금요일

오후 3:35

By Gil Jesus

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About 'what is considered a tax write off'|...He might jump off and nail you up...Eight Dec. 8, 1971 An English interviewer...inevitable trend is often ...the legal Mafia writes the laws...drool on the lid. What are you...







About 'what is considered a tax write off'|...He might jump off and nail you up...Eight Dec. 8, 1971 An English interviewer...inevitable trend is often ...the legal Mafia writes the laws...drool on the lid. What are you...








Ｆｅｄｅｒａｌ               ｉｎｃｏｍｅ               ｔａｘｅｓ               ａｒｅ               ｃｏｌｌｅｃｔｅｄ               ｏｎ               ａ               ｓｙｓｔｅｍ               ｗｈｉｃｈ               ｉｓ               ｂａｓｅｄ               ｏｎ               ａｎ               ｉｎｄｉｖｉｄｕａｌ'ｓ               ａｂｉｌｉｔｙ               ｔｏ               ｐａｙ.

Ｅａｃｈ               ｔｉｍｅ               ｉｎｃｏｍｅ               ｉｓ               ｅａｒｎｅｄ,               ｔｈｅ               ａｂｉｌｉｔｙ               ｔｏ               ｐａｙ               ｔａｘｅｓ               ｏｎ               ｔｈａｔ               ｐｏｒｔｉｏｎ               ｏｆ               ｉｎｃｏｍｅ               ｉｓ               ｒｅａｌｉｚｅｄ.

Ｔｈｉｓ               "ｐａｙ               ａｓ               ｙｏｕ               ｇｏ"               ａｒｒａｎｇｅｍｅｎｔ               ｃｏｌｌｅｃｔｓ               ａ               ｓｈａｒｅ               ｏｆ               ｔａｘ,               ｗｈｉｃｈ               ｉｓ               ｔｈｅｎ               ｓｅｔ               ａｓｉｄｅ.

Ｂｏｔｈ               ｗａｇｅ               ｅａｒｎｉｎｇ               ｅｍｐｌｏｙｅｅｓ               ａｎｄ               ｓｅｌｆ-ｅｍｐｌｏｙｅｄ               ｉｎｄｉｖｉｄｕａｌｓ               ｈａｖｅ               ａ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ａｐｐｒｏｐｒｉａｔｅ               ａｍｏｕｎｔｓ               ｏｆ               ｔａｘ               ａｒｅ               ｂｅｉｎｇ               ｗｉｔｈｈｅｌｄ.

Ｈｏｗ               ｍｕｃｈ               ｓｈｏｕｌｄ               ｂｅ               ｗｉｔｈｈｅｌｄ               ｅａｃｈ               ｐａｙ               ｐｅｒｉｏｄ               ａｎｄ               ｈｏｗ               ｉｓ               ｔｈｉｓ               ｃａｌｃｕｌａｔｅｄ?

Ｗｈａｔ               ｈａｐｐｅｎｓ               ｉｆ               Ｉ               ｄｏｎ'ｔ               ｈａｖｅ               ｅｎｏｕｇｈ               ｔａｋｅｎ               ｏｕｔ               ｏｆ               ｍｙ               ｐａｙ?

Ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ａｒｅ               ｓｅｌｆ               ｅｍｐｌｏｙｅｄ,               ｉｓ               ｔｈｅｒｅ               ｇｕｉｄａｎｃｅ               ａｖａｉｌａｂｌｅ               ｏｎ               ｈｏｗ               ｔｏ               ｅｓｔｉｍａｔｅ               ｍｙ               ｔａｘ               ｏｂｌｉｇａｔｉｏｎ?
               Ｔｈｅ               ＩＲＳ               ｈａｓ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｒｅｓｏｕｒｃｅｓ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔａｘｐａｙｅｒｓ               ｔｈａｔ               ａｓｓｉｓｔ               ｉｎ               ｍａｋｉｎｇ               ｔｈｅｓｅ               ｄｅｔｅｒｍｉｎａｔｉｏｎｓ.

Ｐｕｂｌｉｃａｔｉｏｎ               919,Ｈｏｗ               Ｄｏ               Ｉ               Ａｄｊｕｓｔ               Ｍｙ               Ｔａｘ               Ｗｉｔｈｈｏｌｄｉｎｇ,               ａｎｄ               Ｐｕｂｌｉｃａｔｉｏｎ               505,               Ｔａｘ               Ｗｉｔｈｈｏｌｄｉｎｇ               ａｎｄ               Ｅｓｔｉｍａｔｅｄ               Ｔａｘ,               ａｒｅ               ｂｏｔｈ               ｅｘｃｅｌｌｅｎｔ               ｒｅｓｏｕｒｃｅｓ.

Ａｄｄｉｔｉｏｎａｌｌｙ,               ｔｈｅ               ＩＲＳ               ｈａｓ               ｓｅｔ               ｕｐ               ａｎ               ｉｎｔｅｒａｃｔｉｖｅ               Ｗｉｔｈｈｏｌｄｉｎｇ               Ｃａｌｃｕｌａｔｏｒ               ｏｎ               ｔｈｅｉｒ               ｗｅｂ               ｓｉｔｅ.

Ｔｈｉｓ               ｃａｌｃｕｌａｔｏｒ               ｗｉｌｌ               ｈｅｌｐ               ｃｌａｒｉｆｙ               ｉｆ               ｔｈｅ               ａｍｏｕｎｔｓ               ｗｉｔｈｈｅｌｄ               ｆｒｏｍ               ｏｎｅ'ｓ               ｐａｙ               ａｒｅ               ｓｕｉｔａｂｌｅ,               ｂａｓｅｄ               ｏｎ               ｔｈｅｉｒ               ｃｉｒｃｕｍｓｔａｎｃｅｓ.

Ｉｎ               ｏｒｄｅｒ               ｔｏ               ｕｓｅ               ｔｈｅ               ｃａｌｃｕｌａｔｏｒ,               ｙｏｕ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ｈａｖｅ               ａ               ｃｏｐｙ               ｏｆ               ａ               ｒｅｃｅｎｔ               ｐａｙ               ｓｔａｔｅｍｅｎｔ               ａｓ               ｗｅｌｌ               ａｓ               ｙｏｕｒ               ｍｏｓｔ               ｒｅｃｅｎｔ               ｔａｘ               ｒｅｔｕｒｎ.
               Ｗａｇｅ-Ｅａｒｎｉｎｇ               Ｔａｘｐａｙｅｒｓ
               Ａｓ               ａ               ｗａｇｅ               ｅａｒｎｉｎｇ               ｔａｘｐａｙｅｒ,               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｈａｓ               ａ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｔｈｅ               ａｍｏｕｎｔｓ               ｙｏｕ               ｈａｖｅ               ｒｅｑｕｅｓｔｅｄ               ｔｏ               ｂｅ               ｗｉｔｈｈｅｌｄ               ｆｒｏｍ               ｙｏｕｒ               ｐａｙ               ａｒｅ               ｓｕｂｍｉｔｔｅｄ               ｔｏ               ｔｈｅ               ＩＲＳ               ｉｎ               ａ               ｔｉｍｅｌｙ               ｍａｎｎｅｒ.

Ｄｅｐｅｎｄｉｎｇ               ｏｎ               ｔｈｅ               ｓｉｚｅ               ｏｆ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ,               ｔｈｅｓｅ               ｐａｙｍｅｎｔｓ               ａｒｅ               ｓｅｎｔ               ｔｏ               ｔｈｅ               ＩＲＳ               ｏｎ               ａ               ｍｏｎｔｈｌｙ               ｏｒ               ｓｅｍｉｗｅｅｋｌｙ               ｄｅｐｏｓｉｔ               ｓｃｈｅｄｕｌｅ.

Ｔｈｅ               ａｍｏｕｎｔｓ               ｓｅｎｔ               ａｒｅ               ｈｅｌｄ               ｉｎ               ｔｒｕｓｔ,               ｕｎｄｅｒ               ａｎ               ａｃｃｏｕｎｔ               ｅｓｔａｂｌｉｓｈｅｄ               ｂｙ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ'ｓ               Ｉｄｅｎｔｉｆｉｃａｔｉｏｎ               Ｎｕｍｂｅｒ               (ＥＩＮ).
               Ｔｈｅｓｅ               ａｍｏｕｎｔｓ               ｉｎｃｌｕｄｅ               ｆｅｄｅｒａｌ               ｉｎｃｏｍｅ               ｔａｘ,               ａｓ               ｗｅｌｌ               ａｓ               ｂｏｔｈ               ｔｈｅ               ｅｍｐｌｏｙｅｒ'ｓ               ａｎｄ               ｅｍｐｌｏｙｅｅ'ｓ               ｐｏｒｔｉｏｎ               ｏｆ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ａｎｄ               Ｍｅｄｉｃａｒｅ               ｔａｘｅｓ.

Ｓｔａｔｅ               ｔａｘ               ｗｉｔｈｈｏｌｄｉｎｇ               ｉｓ               ｈａｎｄｌｅｄ               ｓｅｐａｒａｔｅｌｙ.

Ａｍｏｕｎｔｓ               ｓｅｎｔ               ｉｎ               ａｒｅ               ｎｏｔ               ｈｏｕｓｅｄ               ｕｎｄｅｒ               ａｎｙ               ｔｙｐｅ               ｏｆ               ａｃｃｏｕｎｔ               ｒｅｌａｔｅｄ               ｔｏ               ｅａｃｈ               ｅｍｐｌｏｙｅｅ'ｓ               ｎａｍｅ               ｏｒ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               Ｎｕｍｂｅｒ,               ｄｏ               ｎｏｔ               ｅａｒｎ               ｉｎｔｅｒｅｓｔ,               ａｎｄ               ｓｈｏｕｌｄ               ｎｏｔ               ｂｅ               ｖｉｅｗｅｄ               ａｓ               ｍｏｎｅｙ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｉｎｖｅｓｔｍｅｎｔ               ｏｒ               ｉｎ               ｔｈｅ               ｃａｐａｃｉｔｙ               ｏｆ               ａ               "ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ."
               Ｗｈｅｎ               ｙｏｕｒ               ａｎｎｕａｌ               ｔａｘ               ｒｅｔｕｒｎ               ｉｓ               ｆｉｌｅｄ,               ｔｈｅｎ               ｔｈｅ               ＩＲＳ               ｍａｔｃｈｅｓ               ｕｐ               ａｎｄ               ａｐｐｌｉｅｓ               ｔｈｅ               ｍｏｎｉｅｓ               ｗｉｔｈｈｅｌｄ               ｔｏ               ｗｈａｔ               ｉｓ               ｓｈｏｗｎ               ｉｎ               Ｂｏｘ               2               ｏｆ               ｙｏｕｒ               Ｆｏｒｍ               Ｗ-2,               ａｓ               ｗｅｌｌ               ａｓ               ｔｏ               ｗｈａｔ               ｉｓ               ｃｌａｉｍｅｄ               ｏｎ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ.

Ｉｆ               ｆｏｒ               ｓｏｍｅ               ｒｅａｓｏｎ               ｔｈｅｓｅ               ｆｕｎｄｓ               ａｒｅ               ｎｏｔ               ａｖａｉｌａｂｌｅ,               ｔｈｅ               ＩＲＳ               ｗｉｌｌ               ｃｏｍｐｅｎｓａｔｅ               ｔｈｅ               ｅｍｐｌｏｙｅｅ               ａｎｄ               ｈｏｎｏｒ               ｔｈｅ               ａｍｏｕｎｔ               ｔｈａｔ               ｓｈｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ｗｉｔｈｈｅｌｄ,               ａｎｄ               ｔｈｅｎ               ｐｕｒｓｕｅ               ｒｅｐａｙｍｅｎｔ               ｗｉｔｈ               ｔｈｅ               ｅｍｐｌｏｙｅｒ               ｏｎｌｙ.
               Ｅａｃｈ               ｅｍｐｌｏｙｅｅ               ｉｓ               ａｓｋｅｄ               ｔｏ               ｆｉｌｌ               ｏｕｔ               ａ               Ｆｏｒｍ               Ｗ-4,               Ｅｍｐｌｏｙｅｅ'ｓ               Ｗｉｔｈｈｏｌｄｉｎｇ               Ａｌｌｏｗａｎｃｅ               Ｃｅｒｔｉｆｉｃａｔｅ,               ｗｈｅｎ               ｔｈｅｙ               ｂｅｇｉｎ               ａ               ｎｅｗ               ｊｏｂ.

Ｉｆ               ｙｏｕ               ａｒｅ               ｎｏｔ               ａｓｋｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅ               ｏｎｅ,               ｙｏｕ               ｍａｙ               ｗａｎｔ               ｔｏ               ｃｌａｒｉｆｙ               ｉｆ               ｙｏｕ               ａｒｅ               ｂｅｉｎｇ               ｈｉｒｅｄ               ａｓ               ａｎ               ｅｍｐｌｏｙｅｅ               ｏｒ               ａ               ｃｏｎｔｒａｃｔｏｒ.

Ｃｏｎｔｒａｃｔ               ｉｎｃｏｍｅ               ｉｓ               ｎｏｔ               ｓｕｂｊｅｃｔ               ｔｏ               ｗｉｔｈｈｏｌｄｉｎｇ;               ｉｎｓｔｅａｄ               ｏｆ               ａ               Ｗ-2               ｙｏｕ               ｗｉｌｌ               ｒｅｃｅｉｖｅ               ａ               1099-ＭＩＳＣ               ｔｈａｔ               ｒｅｐｒｅｓｅｎｔｓ               ｔｈｅ               ｇｒｏｓｓ               ｐａｙ               ｙｏｕ               ｈａｖｅ               ｅａｒｎｅｄ.

Ｍｏｒｅ               ｏｎ               ｔｈａｔ               ｌａｔｅｒ.
               Ｔｈｅｒｅ               ａｒｅ               ｏｔｈｅｒ               ｔｉｍｅｓ               ｗｈｅｎ               ａ               ｒｅｖｉｅｗ               ｏｆ               ｙｏｕｒ               Ｗ-4               ｓｈｏｕｌｄ               ｂｅ               ｃｏｎｓｉｄｅｒｅｄ.

Ｉｆ               ｔｈｅ               ｅｎｄ               ｒｅｓｕｌｔ               ｏｆ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｓｈｏｗｓ               ａ               ｖｅｒｙ               ｌａｒｇｅ               ｒｅｆｕｎｄ               ｂａｓｅｄ               ｏｎ               ｙｏｕｒ               ｗｉｔｈｈｏｌｄｉｎｇｓ               ｏｎｌｙ,               ｔｈｅｎ               ｙｏｕ               ｍａｙ               ｅｌｅｃｔ               ｔｏ               ｃｈａｎｇｅ               ｙｏｕｒ               Ｗ-4               ｓｏ               ｔｈａｔ               ｙｏｕ               ｈａｖｅ               ａ               ｇｒｅａｔｅｒ               ａｍｏｕｎｔ               ｏｆ               ｔａｋｅ               ｈｏｍｅ               ｐａｙ.

Ｃｏｎｖｅｒｓｅｌｙ,               ｉｆ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｄｅｍｏｎｓｔｒａｔｅｓ               ａ               ｌａｒｇｅ               ｏｒ               ｕｎｍａｎａｇｅａｂｌｅ               ｔａｘ               ｂａｌａｎｃｅ,               ｔｈｅｎ               ｙｏｕ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ａｄｊｕｓｔ               ｙｏｕｒ               ｗｉｔｈｈｏｌｄｉｎｇ               ｔｏ               ｐｒｅｖｅｎｔ               ｅｓｃａｌａｔｉｎｇ               ａｎｎｕａｌ               ｔａｘ               ｂａｌａｎｃｅｓ.
               Ｆｏｒｍ               Ｗ-4
               Ｔｈｅ               Ｆｏｒｍ               Ｗ-4               ｉｓ               ｓｅｔ               ｕｐ               ｔｏ               ｇｒａｎｔ               ｖａｒｉｏｕｓ               ａｌｌｏｗａｎｃｅｓ,               ｏｒ               ｅｘｅｍｐｔｉｏｎｓ               ｔｏ               ｔａｘ.

Ａ               ｈｉｇｈｅｒ               ｎｕｍｂｅｒ               ｃｌａｉｍｅｄ               ｏｎ               ｔｈｅ               Ｗ-4               ｅｑｕａｔｅｓ               ｔｏ               ａ               ｇｒｅａｔｅｒ               ａｍｏｕｎｔ               ｅｘｅｍｐｔ               ｆｒｏｍ               ｔａｘ               ｗｉｔｈｈｏｌｄｉｎｇ.

Ａ               ｔａｘｐａｙｅｒ               ｉｓ               ａｌｌｏｗｅｄ               ｔｏ               ｅｎｔｅｒ               ｏｎｅ               ｅｘｅｍｐｔｉｏｎ               ｏｎ               ｔｈｅ               Ｗ-4               ｆｏｒ               ｅａｃｈ               ｏｆ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｃｉｒｃｕｍｓｔａｎｃｅｓ:
               Ｉｆ               ｎｏ               ｏｎｅ               ｃａｎ               ｃｌａｉｍ               ｙｏｕ               ａｓ               ａ               ｄｅｐｅｎｄｅｎｔ.

Ｙｏｕ               ａｒｅ               ｓｉｎｇｌｅ               ｗｉｔｈ               ｏｎｅ               ｊｏｂ               ｏｒ               ｍａｒｒｉｅｄ               ｗｉｔｈ               ｏｎｌｙ               ｏｎｅ               ｓｐｏｕｓｅ               ｗｏｒｋｉｎｇ.

Ｙｏｕ               ａｌｓｏ               ｇｅｔ               ａｎｏｔｈｅｒ               ｅｘｅｍｐｔｉｏｎ               ｆｏｒ               ｙｏｕｒ               ｓｐｏｕｓｅ.

Ｅａｃｈ               ｏｆ               ｙｏｕｒ               ｄｅｐｅｎｄｅｎｔｓ               ｒｅｐｒｅｓｅｎｔｓ               ａｎｏｔｈｅｒ               ｅｘｅｍｐｔｉｏｎ.

Ｉｆ               ｙｏｕ               ａｒｅ               ｅｌｉｇｉｂｌｅ               ｔｏ               ｆｉｌｅ               Ｈｅａｄ               ｏｆ               Ｈｏｕｓｅｈｏｌｄ,               ｃｌａｉｍ               ａ               ｃｅｒｔａｉｎ               ａｍｏｕｎｔ               ｏｆ               Ｃｈｉｌｄ               ａｎｄ               Ｄｅｐｅｎｄｅｎｔ               Ｃａｒｅ               Ｅｘｐｅｎｓｅｓ,               ｏｒ               ｔａｋｅ               ｔｈｅ               Ｃｈｉｌｄ               Ｔａｘ               Ｃｒｅｄｉｔ,               ｙｏｕ               ｃａｎ               ｔａｋｅ               ｕｐ               ｔｏ               ｔｈｒｅｅ               ｍｏｒｅ               ｅｘｅｍｐｔｉｏｎｓ.

Ａｓ               ｙｏｕ               ｃａｎ               ｓｅｅ,               ａ               ｔｙｐｉｃａｌ               ｍｉｄｄｌｅ               ｉｎｃｏｍｅ               ｆａｍｉｌｙ               ｗｉｔｈ               ｄｅｐｅｎｄｅｎｔ               ｃｈｉｌｄｒｅｎ               ｍａｙ               ｈａｖｅ               ａ               ｎｕｍｂｅｒ               ｏｆ               ａｐｐｒｏｖｅｄ               ａｌｌｏｗａｎｃｅｓ.
               Ｈｏｗｅｖｅｒ,               ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｒｅｍｅｍｂｅｒ               ｔｈａｔ               ｔｈｅｓｅ               ａｍｏｕｎｔｓ               ａｒｅ               ｎｏｔ               ｃｏｍｐｕｌｓｏｒｙ.

Ａｎ               ｉｎｄｉｖｉｄｕａｌ               ｍａｙ               ｂｅ               ａｌｌｏｗｅｄ               ｔｏ               ｔａｋｅ               ａ               ｃｅｒｔａｉｎ               ｎｕｍｂｅｒ               ｏｆ               ｅｘｅｍｐｔｉｏｎｓ,               ｂｕｔ               ｔｈｉｓ               ｄｏｅｓ               ｎｏｔ               ｍｅａｎ               ｔｈａｔ               ｔｈｅｙ               ｓｈｏｕｌｄ.

Ｒｅｍｅｍｂｅｒ,               ａ               ｇｒｅａｔｅｒ               ａｌｌｏｗａｎｃｅ               ｄｅｃｌａｒａｔｉｏｎ               ｍａｙ               ｙｉｅｌｄ               ａ               ｔａｘ               ｂａｌａｎｃｅ               ｃｏｍｅ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｆｉｌｉｎｇ               ｙｅａｒ.
               Ａ               "ｚｅｒｏ"               ｅｎｔｒｙ               ｏｎ               Ｌｉｎｅ               5               ｏｆ               ｔｈｅ               Ｗ-4               ｗｉｌｌ               ｔｅｌｌ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｔｏ               ｗｉｔｈｈｏｌｄ               ｔｈｅ               ｍａｘｉｍｕｍ               ａｍｏｕｎｔ,               ｂａｓｅｄ               ｏｎ               ｙｏｕｒ               ａｎｎｕａｌ               ｓａｌａｒｙ               ａｎｄ               ｔａｘ               ｂｒａｃｋｅｔ.

Ｉｎ               ａｄｄｉｔｉｏｎ,               ｉｆ               ｙｏｕ               ａｒｅ               ｍａｒｒｉｅｄ,               ｙｏｕ               ｃａｎ               ｃｈｏｏｓｅ               ｔｏ               ｂｅ               ｗｉｔｈｈｅｌｄ               ａｔ               ａ               ｓｉｎｇｌｅ               ｒａｔｅ               ｂｙ               ｃｈｅｃｋｉｎｇ               ｔｈｉｓ               ｏｐｔｉｏｎ               ｏｎ               Ｌｉｎｅ               3.

Ｉｆ               ｙｏｕ               ｆｉｎｄ               ｔｈａｔ               ｔｈｉｓ               ｓｔｉｌｌ               ｉｓ               ｎｏｔ               ｅｎｏｕｇｈ,               ｙｏｕ               ｃａｎ               ｕｓｅ               Ｌｉｎｅ               6               ｔｏ               ｗｒｉｔｅ               ｉｎ               ａ               ｄｏｌｌａｒ               ａｍｏｕｎｔ               ｔｈａｔ               ｙｏｕ               ｗｏｕｌｄ               ｌｉｋｅ               ｔｏ               ｈａｖｅ               ｗｉｔｈｈｅｌｄ               ｅａｃｈ               ｐａｙ               ｐｅｒｉｏｄ,               ｏｖｅｒ               ａｎｄ               ａｂｏｖｅ               ｙｏｕｒ               ｅｘｉｓｔｉｎｇ               ａｌｌｏｗａｎｃｅｓ.
               Ｓｏ               ｈｏｗ               ｍｕｃｈ               ｉｓ               ｔｏｏ               ｍｕｃｈ,               ａｎｄ               ｈｏｗ               ｍｕｃｈ               ｉｔ               ｔｏｏ               ｌｉｔｔｌｅ?

Ｅａｃｈ               ｔａｘｐａｙｅｒ'ｓ               ｃｉｒｃｕｍｓｔａｎｃｅ               ｉｓ               ｄｉｆｆｅｒｅｎｔ,               ａｎｄ               ｎｏ               ｏｎｅ               ａｎｓｗｅｒ               ｗｉｌｌ               ａｐｐｌｙ               ｔｏ               ｅｖｅｒｙｏｎｅ.
               Ｓｏｍｅ               ｃｈｏｏｓｅ               ｔｏ               ｈａｖｅ               ｍｏｒｅ               ｗｉｔｈｈｅｌｄ               ｅａｃｈ               ｐａｙ               ｐｅｒｉｏｄ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｋｎｏｗ               ｔｈｅｙ               ａｒｅ               ｅｌｉｇｉｂｌｅ               ｆｏｒ               ｖａｒｉｏｕｓ               ｐｒｅ-ｔａｘ               ａｎｄ               ｐｏｓｔ-ｔａｘ               ｒｅｆｕｎｄａｂｌｅ               ｃｒｅｄｉｔｓ               ｔｈａｔ               ｗｉｌｌ               ｏｆｆｓｅｔ               ａｎｙ               ｔａｘ               ｌｉａｂｉｌｉｔｙ.
               Ｃｈｉｌｄ               ａｎｄ               Ｄｅｐｅｎｄｅｎｔ               Ｃａｒｅ               Ｅｘｐｅｎｓｅｓ,               ｃｅｒｔａｉｎ               Ｅｄｕｃａｔｉｏｎ               Ｃｒｅｄｉｔｓ,               ｔｈｅ               Ｃｈｉｌｄ               Ｔａｘ               Ｃｒｅｄｉｔ               ａｎｄ               ｔｈｅ               Ｆｏｒｍ               5695               Ｒｅｓｉｄｅｎｔｉａｌ               Ｅｎｅｒｇｙ               Ｃｒｅｄｉｔ               ａｒｅ               ａｌｌ               ｐｏｐｕｌａｒ               ｅｘａｍｐｌｅｓ               ｏｆ               ｐｒｅ-ｔａｘ               ｃｒｅｄｉｔｓ;               ｔｈｅｙ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｔａｘａｂｌｅ               ｉｎｃｏｍｅ               ｂｕｔ               ｄｏ               ｎｏｔ               ｇｅｎｅｒａｔｅ               ａ               ｒｅｆｕｎｄ               ｏｎ               ｔｈｅｉｒ               ｏｗｎ               ｍｅｒｉｔ.

Ｐｏｓｔ-ｔａｘ               ｃｒｅｄｉｔｓ               ｉｎｃｌｕｄｅ               ｔｈｅ               Ｅａｒｎｅｄ               Ｉｎｃｏｍｅ               Ｃｒｅｄｉｔ,               ｔｈｅ               ｎｅｗ               Ｍａｋｉｎｇ               Ｗｏｒｋ               Ｐａｙ               Ｃｒｅｄｉｔ               ａｎｄ               ｔｈｅ               Ｆｉｒｓｔ-Ｔｉｍｅ               Ｈｏｍｅｂｕｙｅｒ               Ｃｒｅｄｉｔ.

Ｔｈｅｓｅ               ｃｒｅｄｉｔｓ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｔａｘ               ｄｕｅ               ｄｏｌｌａｒ               ｆｏｒ               ｄｏｌｌａｒ               ａｎｄ               ｗｉｌｌ               ｇｒａｎｔ               ａ               ｒｅｆｕｎｄ               ｏｎｃｅ               ｙｏｕｒ               ｔａｘ               ｈａｓ               ｂｅｅｎ               ｒｅｄｕｃｅｄ               ｔｏ               ｚｅｒｏ.

Ｉｆ               ｙｏｕ               ａｒｅ               ｅｌｉｇｉｂｌｅ               ｆｏｒ               ｔｈｅ               ａｂｏｖｅ               ｃｒｅｄｉｔｓ,               ｙｏｕ               ｍａｙ               ｅｌｅｃｔ               ｔｏ               ｔａｋｅ               ｈｏｍｅ               ｍｏｒｅ               ｉｎ               ｙｏｕｒ               ｐｏｃｋｅｔ               ｅａｃｈ               ｐａｙ               ｐｅｒｉｏｄ.
               Ｉｆ               ｙｏｕ               ａｒｅ               ｎｏｔ               ｓｕｒｅ               ｈｏｗ               ｍｕｃｈ               ｉｓ               ｔｈｅ               ａｐｐｒｏｐｒｉａｔｅ               ａｍｏｕｎｔ               ｔｏ               ｈａｖｅ               ｗｉｔｈｈｅｌｄ,               ｕｓｅ               ｔｈｅ               ｗｏｒｋｓｈｅｅｔｓ               ｉｎ               Ｐｕｂｌｉｃａｔｉｏｎ               919,               ｔｈｅ               ｏｎｌｉｎｅ               ＩＲＳ               Ｗｉｔｈｈｏｌｄｉｎｇ               Ｃａｌｃｕｌａｔｏｒ,               ｏｒ               ｃｏｎｔａｃｔ               ｔｈｅ               ＩＲＳ               ｄｉｒｅｃｔｌｙ               ｆｏｒ               ａｓｓｉｓｔａｎｃｅ               ａｔ               1-800-829-1040.

Ｏｎｅ               ｏｆ               ｔｈｅｉｒ               ｃｕｓｔｏｍｅｒ               ｓｅｒｖｉｃｅ               ｒｅｐｓ               ｗｉｌｌ               ｂｅ               ｈａｐｐｙ               ｔｏ               ｗａｌｋ               ｙｏｕ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓｔｅｐｓ.
               Ｉｆ               ｙｏｕ               ｒｅａｌｉｚｅ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ｎｏｔ               ｈａｖｉｎｇ               ｅｎｏｕｇｈ               ｔａｋｅｎ               ｏｕｔ,               ｍａｋｅ               ｓｕｒｅ               ｙｏｕ               ａｄｊｕｓｔ               ｙｏｕｒ               Ｗ-4               ｉｍｍｅｄｉａｔｅｌｙ.

Ｉｆ               ｔｈｅ               ａｍｏｕｎｔ               ｔｈａｔ               ｙｏｕ               ｅｎｄ               ｕｐ               ｏｗｉｎｇ               ｉｓ               ｔｏｏ               ｇｒｅａｔ               ｔｏ               ｐａｙ               ｏｆｆ               ｉｎ               ｆｕｌｌ,               ｓｅｎｄ               ｉｎ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ,               ｏｎ               ｔｉｍｅ               ｔｏ               ａｖｏｉｄ               ａ               Ｆａｉｌｕｒｅ               ｔｏ               Ｐａｙ               Ｐｅｎａｌｔｙ,               ａｌｏｎｇ               ｗｉｔｈ               Ｆｏｒｍ               9465,               Ｉｎｓｔａｌｌｍｅｎｔ               Ａｇｒｅｅｍｅｎｔ               Ｒｅｑｕｅｓｔ.

Ｉｆ               ｙｏｕ               ｆａｉｌ               ｔｏ               ｃｈａｎｇｅ               ｙｏｕｒ               Ｗ-4               ａｆｔｅｒ               ｙｏｕ               ｈａｖｅ               ｂｅｅｎ               ａｄｖｉｓｅｄ               ｔｏ               ｄｏ               ｓｏ,               ｏｒ               ｉｆ               ｙｏｕ               ｏｗｅ               ｆｏｒ               ｍｕｌｔｉｐｌｅ               ｙｅａｒｓ               ｄｕｅ               ｔｏ               ｃｏｎｓｉｓｔｅｎｔ               ｕｎｄｅｒ-ｗｉｔｈｈｏｌｄｉｎｇ,               ｔｈｅ               ＩＲＳ               ｍａｙ               ｉｓｓｕｅ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ａ               ｍａｎｄａｔｅ               ｔｏ               ｗｉｔｈｈｏｌｄ               ｙｏｕｒ               ｐａｙ               ａｔ               ｔｈｅ               ｈｉｇｈｅｓｔ               ｒａｔｅ.
               Ｓｅｌｆ               Ｅｍｐｌｏｙｅｄ               Ｔａｘｐａｙｅｒｓ
               Ｆｏｒ               ｔｈｏｓｅ               ｔｈａｔ               ａｒｅ               ｓｅｌｆ-ｅｍｐｌｏｙｅｄ,               ｋｎｏｗｉｎｇ               ｔｈｅ               ｃｏｒｒｅｃｔ               ａｍｏｕｎｔ               ｏｆ               ｙｏｕｒ               ｔａｘ               ｏｂｌｉｇａｔｉｏｎ               ａｎｄ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｈｏｗ               ｔｏ               ｗｉｔｈｈｏｌｄ               ａｍｏｕｎｔｓ               ｆｒｏｍ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｉｓ               ｉｎ               ｍａｎｙ               ｗａｙｓ               ｍｏｒｅ               ｃｈａｌｌｅｎｇｉｎｇ               ｔｈａｎ               ａ               ｗａｇｅ               ｅａｒｎｉｎｇ               ｅｍｐｌｏｙｅｅ.

Ｉｔ               ｉｓ               ｙｏｕｒ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｔｏ               ｒｅｃｏｇｎｉｚｅ               ｔｈｅ               ａｍｏｕｎｔｓ               ｔｈａｔ               ｓｈｏｕｌｄ               ｂｅ               ｗｉｔｈｈｅｌｄ               ａｎｄ               ｓｅｎｔ               ｔｏ               ｔｈｅ               ＩＲＳ.
               Ａｎ               ｅｓｔｉｍａｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｔａｘ               ａｎｄ               ｍａｋｉｎｇ               ａ               ｖｏｌｕｎｔａｒｙ               ｐａｙｍｅｎｔ               ｔｏ               ｔｈｅ               ＩＲＳ               ｉｓ               ｇｅｎｅｒａｌｌｙ               ｔｈｅ               ｍｅｔｈｏｄ               ｕｓｅｄ               ｂｙ               ｔｈｏｓｅ               ｗｈｏ               ａｒｅ               ｓｅｌｆ               ｅｍｐｌｏｙｅｄ.

Ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｐａｙｍｅｎｔｓ               ａｒｅ               ｕｓｅｄ               ｔｏ               ｃｏｖｅｒ               ｙｏｕｒ               ｆｅｄｅｒａｌ               ｉｎｃｏｍｅ               ｔａｘ,               ａｓ               ｗｅｌｌ               ａｓ               ｙｏｕｒ               Ｓｅｌｆ-Ｅｍｐｌｏｙｍｅｎｔ               Ｔａｘ,               ｗｈｉｃｈ               ｉｎｃｌｕｄｅｓ               ｔｈｅ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ａｎｄ               Ｍｅｄｉｃａｒｅ               ｐｏｒｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｉｎｃｏｍｅ.
               Ｐａｇｅ               17               ｏｆ               ｔｈｅ               Ｐｕｂｌｉｃａｔｉｏｎ               505               (Ｊａｎｕａｒｙ               2010               ｒｅｖｉｓｉｏｎ)               ｓｅｔｓ               ｏｕｔ               ｔｈｅ               ｒｕｌｅ               ｔｈａｔ               ｓｈｏｕｌｄ               ｂｅ               ｆｏｌｌｏｗｅｄ               ｗｈｅｎ               ａ               ｄｅｔｅｒｍｉｎａｔｉｏｎ               ｉｓ               ｂｅｉｎｇ               ｍａｄｅ               ｒｅｇａｒｄｉｎｇ               ｔｈｅ               ｎｅｅｄ               ｔｏ               ｍａｋｅ               ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｐａｙｍｅｎｔｓ.
               Ｉｎ               ｍｏｓｔ               ｃａｓｅｓ,               ｙｏｕ               ｍｕｓｔ               ｐａｙ               ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｉｆ               ｂｏｔｈ               ｏｆ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ａｐｐｌｙ:
               Ｙｏｕ               ｅｘｐｅｃｔ               ｔｏ               ｏｗｅ               ａｔ               ｌｅａｓｔ               $1,000               ｉｎ               ｔａｘ               ｆｏｒ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｙｅａｒ,               ａｆｔｅｒ               ｓｕｂｔｒａｃｔｉｎｇ               ｙｏｕｒ               ｗｉｔｈｈｏｌｄｉｎｇ               ａｎｄ               ｒｅｆｕｎｄａｂｌｅ               ｃｒｅｄｉｔｓ.

Ｙｏｕ               ｅｘｐｅｃｔ               ｙｏｕｒ               ｗｉｔｈｈｏｌｄｉｎｇ               ａｎｄ               ｒｅｆｕｎｄａｂｌｅ               ｃｒｅｄｉｔｓ               ｔｏ               ｂｅ               ｌｅｓｓ               ｔｈａｎ               ｔｈｅ               ｓｍａｌｌｅｒ               ｏｆ:               (ａ)               90%               ｏｆ               ｔｈｅ               ｔａｘ               ｔｏ               ｂｅ               ｓｈｏｗｎ               ｏｎ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｔａｘ               ｒｅｔｕｒｎ,               ｏｒ               (ｂ)               100%               ｏｆ               ｔｈｅ               ｔａｘ               ｓｈｏｗｎ               ｏｎ               ｙｏｕｒ               ｐｒｅｖｉｏｕｓ               ｙｅａｒ               ｒｅｔｕｒｎ.

Ｉｎ               ｏｔｈｅｒ               ｗｏｒｄｓ,               ｉｆ               ｙｏｕ               ｋｎｏｗ               ｔｈａｔ               ｙｏｕｒ               ｓｅｌｆ-ｅｍｐｌｏｙｍｅｎｔ               ｉｎｃｏｍｅ               ｉｓ               ｇｏｉｎｇ               ｔｏ               ｇｅｎｅｒａｔｅ               ａ               ｔａｘ               ｄｕｅ               ｏｆ               ａｔ               ｌｅａｓｔ               $1,000               (ｙｏｕｒ               ｎｅｔ               ｉｎｃｏｍｅ               ｎｅｅｄ               ｏｎｌｙ               ｂｅ               ａｂｏｕｔ               $9,000               ｔｏ               ｒｅａｃｈ               ｔｈｉｓ               ｔｈｒｅｓｈｏｌｄ),               ａｎｄ               ａｎｙ               ｗｉｔｈｈｏｌｄｉｎｇｓ               ｆｒｏｍ               ｏｔｈｅｒ               ｉｎｃｏｍｅ               ｓｏｕｒｃｅｓ               ｏｒ               ｅｌｉｇｉｂｌｅ               ｃｒｅｄｉｔｓ               ｗｏｎ'ｔ               ｃｏｖｅｒ               ａｔ               ｌｅａｓｔ               ｔｈｅ               ｍａｊｏｒｉｔｙ               ｏｆ               ｙｏｕｒ               ｔａｘ,               ｙｏｕ               ｓｈｏｕｌｄ               ｍａｋｅ               ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｐａｙｍｅｎｔｓ.
               Ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｐａｙｍｅｎｔｓ               ａｒｅ               ｐａｉｄ               ｉｎ               ｖｉａ               ｆｏｕｒ               ｐｅｒｉｏｄｉｃ               ｐａｙｍｅｎｔｓ.

Ｉｎｃｏｍｅ               ｅａｒｎｅｄ               ｆｒｏｍ               Ｊａｎｕａｒｙ               ｔｏ               ｔｈｅ               ｅｎｄ               ｏｆ               Ｍａｒｃｈ               ｉｓ               ｐａｉｄ               ｉｎ               ｂｙ               Ａｐｒｉｌ               15ｔｈ.

Ａｐｒｉｌ               1ｓｔ               ｔｏ               Ｍａｙ               31ｓｔ               ｉｎｃｏｍｅ               ｉｓ               ｐａｉｄ               ｉｎ               ｂｙ               Ｊｕｎｅ               15ｔｈ.

Ｊｕｎｅ               ｔｏ               ｔｈｅ               ｅｎｄ               ｏｆ               Ａｕｇｕｓｔ               ｈａｓ               ａ               Ｓｅｐｔｅｍｂｅｒ               15ｔｈ               ｄｕｅ               ｄａｔｅ               ａｎｄ               Ｓｅｐｔｅｍｂｅｒ               ｔｏ               ｔｈｅ               ｙｅａｒ               ｅｎｄ               ｍｕｓｔ               ｂｅ               ｐａｉｄ               ｉｎ               ｂｙ               Ｊａｎｕａｒｙ               15ｔｈ               ｏｆ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｃａｌｅｎｄａｒ               ｙｅａｒ.
               Ｔｈｅｒｅ               ａｒｅ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｗａｙｓ               ｔｏ               ｍａｋｅ               ｙｏｕｒ               ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｐａｙｍｅｎｔｓ,               ｂｕｔ               ｔｈｅ               ｔｗｏ               ｍｏｓｔ               ｐｏｐｕｌａｒ               ｗａｙｓ               ａｒｅ               ｐａｙ               ｏｎｌｉｎｅ               ｅｌｅｃｔｒｏｎｉｃａｌｌｙ               ｂｙ               ｅｎｒｏｌｌｉｎｇ               ｙｏｕｒｓｅｌｆ               ｉｎ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔａｘ               Ｐａｙｍｅｎｔ               Ｓｙｓｔｅｍ,               ｏｒ               ｂｙ               ｍａｋｉｎｇ               ａ               ｃｈｅｃｋ               ｏｒ               ｍｏｎｅｙ               ｏｒｄｅｒ               ｐａｙｍｅｎｔ               ｕｓｉｎｇ               ａ               Ｆｏｒｍ               1040-ＥＳ               ｐａｙｍｅｎｔ               ｖｏｕｃｈｅｒ.
               Ｓｉｍｉｌａｒ               ｔｏ               ａ               ｗａｇｅ-ｅａｒｎｉｎｇ               ｅｍｐｌｏｙｅｅ,               ｔｈｅ               ａｍｏｕｎｔ               ｔｏ               ｓｅｎｄ               ｉｎ               ｉｓ               ｇｏｉｎｇ               ｔｏ               ｂｅ               ｂａｓｅｄ               ｏｎ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｌｅｖｅｌｓ               ａｎｄ               ｔｈｅ               ｔａｘ               ｂｒａｃｋｅｔ               ｙｏｕ               ａｒｅ               ｉｎ.

Ｓｏｍｅ               ｓｉｍｐｌｙ               ｃｈｏｏｓｅ               ｔｏ               ｓｅｔ               ａｓｉｄｅ               ａｐｐｒｏｘｉｍａｔｅｌｙ               20%               ｔｏ               35%               ｏｆ               ｔｈｅｉｒ               ｎｅｔ               ｓｅｌｆ-ｅｍｐｌｏｙｍｅｎｔ               ｉｎｃｏｍｅ               ｆｏｒ               ｔｈｅ               ｓｐｅｃｉｆｉｅｄ               ｐｅｒｉｏｄ.

Ｆｏｒ               ａ               ｍｏｒｅ               ｄｅｔａｉｌｅｄ               ｄｅｔｅｒｍｉｎａｔｉｏｎ,               ｓｅｅ               ｐａｇｅ               19               ｏｆ               Ｐｕｂｌｉｃａｔｉｏｎ               505               ｕｎｄｅｒ               ｔｈｅ               ｓｕｂｈｅａｄｉｎｇ               Ｈｏｗ               ｔｏ               Ｆｉｇｕｒｅ               Ｅｓｔｉｍａｔｅｄ               Ｔａｘ,               ａｎｄ               ｕｓｅ               ｔｈｅ               ｗｏｒｋｓｈｅｅｔ               ｏｎ               ｐａｇｅ               20.
               Ｇｏｏｄ               ｄｉｌｉｇｅｎｃｅ               ｉｓ               ｎｅｅｄｅｄ               ｔｏ               ｓｅｔ               ａｓｉｄｅ               ｔｈｅ               ｃｏｒｒｅｃｔ               ｐｏｒｔｉｏｎ               ｏｆ               ｔａｘ.

Ｉｔ               ｍａｙ               ｂｅ               ｐｅｒｓｕａｓｉｖｅ               ｔｏ               ｕｓｅ               ｔｈｅ               ｆｕｎｄｓ               ｅａｒｍａｒｋｅｄ               ｆｏｒ               ｔａｘｅｓ               ｏｎ               ｏｔｈｅｒ               ｅｘｐｅｎｓｅｓ,               ｔｈｉｎｋｉｎｇ               ｙｏｕ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ｍａｋｅ               ｉｔ               ｕｐ               ｌａｔｅｒ               ｉｎ               ｔｈｅ               ｙｅａｒ.

Ｏｆｔｅｎｔｉｍｅｓ,               ｔｈｅｓｅ               ｇｏｏｄ               ｉｎｔｅｎｔｉｏｎｓ               ａｒｅ               ｃｏｕｎｔｅｒｍａｎｄｅｄ               ｂｙ               ｏｔｈｅｒ               ｆａｃｔｏｒｓ,               ｌｅａｖｉｎｇ               ｔｈｅ               ｓｅｌｆ-ｅｍｐｌｏｙｅｄ               ｔａｘｐａｙｅｒ               ｗｉｔｈ               ａ               ｈｅｆｔｙ               ｂｉｌｌ               ｃｏｍｅ               ｔａｘ               ｔｉｍｅ.

Ｆａｉｌｕｒｅ               ｔｏ               ｍａｋｅ               ｅｓｔｉｍａｔｅｄ               ｔａｘ               ｐａｙｍｅｎｔｓ               ｍａｙ               ａｌｓｏ               ｐｒｏｄｕｃｅ               ａ               ｐｅｎａｌｔｙ,               ｏｎ               ｔｏｐ               ｏｆ               ａｎｙ               ｔａｘ,               ｉｎｔｅｒｅｓｔ               ａｎｄ               ａｎｙ               ｏｔｈｅｒ               ａｐｐｌｉｃａｂｌｅ               ｐｅｎａｌｔｙ               ｃｈａｒｇｅｓ.






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    2013년 11월 25일 월요일

    오전 4:01

    By Gil Jesus

    In: , , , , , , ,

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    About 'what can u write off on taxes'|... in the U.S. Supreme Court for saying that this can’t be televised and this can’t be on YouTube. I think that...opposition knew exactly what they were ...







    About 'what can u write off on taxes'|... in the U.S. Supreme Court for saying that this can’t be televised and this can’t be on YouTube. I think that...opposition knew exactly what they were ...








    Ｓｏ,               ｙｏｕｒ               Ｐｒｅｄａｔｏｒｓ               ｔｈａｔ               ａｒｅ               ａｆｔｅｒ               ｙｏｕ.

    Ｄｅｂｔ               Ｃｏｌｌｅｃｔｏｒｓ               ｄｉｄｎ'ｔ               ｖａｌｉｄａｔｅ               ｙｏｕｒ               ｄｅｂｔ               ａｎｄ               ｙｏｕ'ｒｅ               ｗｏｎｄｅｒｉｎｇ               ｗｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ｄｏ               ｎｅｘｔ?

    Ｗｅｌｌ,               ｈｅｒｅ'ｓ               ｓｏｍｅ               ｉｄｅａｓ               ａｎｄ               ｓｏｍｅ               ｔａｃｔｉｃｓ               ｔｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ｕｓｅ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｙｏｕｒ               ｆｉｇｈｔ               ａｇａｉｎｓｔ               ｔｈｅｓｅ               Ｐｒｅｄａｔｏｒｓ.

    Ｆｉｒｓｔ               ｏｆｆ               ｈｏｗｅｖｅｒ,               ｌｅｔ'ｓ               ｔｏｕｃｈ               ｂｒｉｅｆｌｙ               ｏｎ               ｔｈｅ               ｌａｗ               ｂｅｈｉｎｄ               ｔｈｉｓ               ｎｏｎ-ｖａｌｉｄａｔｉｏｎ               ａｎｄ               ｗｈａｔ               ｉｔ               ｍｅａｎｓ               ｆｏｒ               ｙｏｕ               ａｎｄ               ｆｏｒ               ｔｈｅｍ.

    Ｓｏｍｅ               ｐｅｏｐｌｅ               ｗｉｌｌ               ｔｅｌｌ               ｙｏｕ               ｔｈａｔ               ｉｔ               ｍａｔｔｅｒｓ               ａｎｄ               ｔｈａｔ               ｔｈｅｒｅ'ｓ               ａ               ｄｉｆｆｅｒｅｎｃｅ               ＣＡＮ'Ｔ               ａｎｄ               ＷＯＮ'Ｔ               ｖａｌｉｄａｔｅ,               ｂｕｔ               ｔｈｉｓ               ｉｓｎ'ｔ               ｔｒｕｅ               ａｔ               ａｌｌ.

    Ｔｈｅ               ｏｎｌｙ               ｔｈｉｎｇ               ｔｈａｔ               ｍａｔｔｅｒｓ               ｉｓ               ｔｈｉｓ;               ｔｈａｔ               ｙｏｕ               ｒｅｑｕｅｓｔｅｄ               ｖａｌｉｄａｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｄｅｂｔ               (ｂｙ               Ｃｅｒｔｉｆｉｅｄ               Ｍａｉｌ),               ｓｔａｒｔｅｄ               ｔｈｅ               ｃｌｏｃｋ               ｏｎ               ｔｈｅ               ｄａｙ               ｔｈｅｙ               ｓｉｇｎｅｄ               ｆｏｒ               ｉｔ,               ａｎｄ               ｔｈａｔ               ｙｏｕ               ｒｅｃｅｉｖｅｄ               ＮＯＴＨＩＮＧ               ｏｒ               ａ               ｌｅｔｔｅｒ               ｓａｙｉｎｇ               ＴＨＥＹ               ＣＡＮ'Ｔ               ＶＡＬＩＤＡＴＥ.

    Ｉｎ               ｅｉｔｈｅｒ               ｃａｓｅ,               ｙｏｕ               ｃｌａｉｍｅｄ               ｙｏｕｒ               ｒｉｇｈｔ               ｕｎｄｅｒ               Ｆｅｄｅｒａｌ               Ｌａｗ               ｔｏ               ｈａｖｅ               ｙｏｕｒ               ｄｅｂｔ               ｖａｌｉｄａｔｅｄ               ｂｙ               ｔｈｅｓｅ               Ｐｒｅｄａｔｏｒｓ               ａｎｄ               ｔｈｅｙ               ＤＩＤＮ'Ｔ               ｏｒ               ＣＯＵＬＤＮ'Ｔ               ＤＯ               ＩＴ.

    ＩＴ'Ｓ               ＴＨＥ               ＳＡＭＥ               ＴＨＩＮＧ....ＮＯ               ＤＩＦＦＥＲＥＮＣＥ.

    Ｄｏｎ'ｔ               ｌｅｔ               ｔｈｅｓｅ               Ｐｒｅｄａｔｏｒｓ               ｔｅｌｌ               ｙｏｕ               ｔｈａｔ               ｔｈｅｒｅ'ｓ               ａ               ｄｉｆｆｅｒｅｎｃｅ,               ａｎｄ               ｎｏｗ               ｗｉｔｈ               ｔｈａｔ               ｓａｉｄ,               ｌｅｔ'ｓ               ｔａｌｋ               ａｂｏｕｔ               ｗｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ｅｘｐｅｃｔ               ｆｒｏｍ               ｔｈｅｍ.
                   Ｓｉｎｃｅ               ｔｈｅｙ               ｄｉｄｎ'ｔ               ｖａｌｉｄａｔｅ               ｙｏｕｒ               ｄｅｂｔ,               ｔｈｅｙ               ｋｎｏｗ               ｔｈｅｙ               ｃａｎ'ｔ               ｃｏｌｌｅｃｔ               ｏｎ               ｔｈａｔ               ｄｅｂｔ.

    (Ｎｏｔｅ:               Ｉｆ               ｙｏｕ               ｒｅｃｅｉｖｅ               ｏｎｅ               ｍｏｒｅ               ｐｈｏｎｅ               ｃａｌｌ               ｆｒｏｍ               ｔｈａｔ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒ,               ＫＥＥＰ               ＴＲＡＣＫ               ＯＦ               ＴＨＡＴ               ＯＮ               ＹＯＵＲ               ＰＨＯＮＥ               ＲＥＣＯＲＤＳ.

    ＴＨＥＹ'ＲＥ               ＮＯＴ               ＡＬＬＯＷＥＤ               ＴＯ               ＣＯＮＴＡＣＴ               ＹＯＵ               ＵＮＴＩＬ               ＩＴ'Ｓ               ＶＡＬＩＤＡＴＥＤ!

    ＴＨＡＴ               ＣＡＮ               ＷＩＮ               ＹＯＵ               ＭＯＮＥＹ               ＩＮ               ＣＯＵＲＴ               ＥＡＳＩＬＹ!)               Ｎｏｗ,               ｓｉｎｃｅ               ｔｈｅｙ               ｋｎｏｗ               ｔｈｅｙ               ｃａｎ'ｔ               ｃｏｌｌｅｃｔ               ｉｔ,               ｔｈｅｙ'ｒｅ               ｍｏｒｅ               ｔｈａｎ               ｌｉｋｅｌｙ               ｇｏｉｎｇ               ｔｏ               ｓｅｌｌ               ｉｔ               ｔｏ               ｓｏｍｅｏｎｅ               ｅｌｓｅ,               ｓｏ,               ｌｅｔ'ｓ               ｂｒｉｅｆｌｙ               ｄｉｓｃｕｓｓ               ｗｈａｔ'ｓ               ｇｏｉｎｇ               ｏｎ               ｂｅｈｉｎｄ               ｔｈｅ               ｓｃｅｎｅｓ               ｃｏｎｃｅｒｎｉｎｇ               ｙｏｕｒ               ｄｅｂｔ.
                   Ｌｅｔ'ｓ               ｓａｙ               ｙｏｕ               ｈａｖｅ               ａ               $1000               ｄｅｂｔ               ａｎｄ               ｉｔ'ｓ               ｇｏｎｅ               ｔｏ               ｃｏｌｌｅｃｔｉｏｎｓ               ｗｉｔｈ               ｓｏｍｅ               ａｇｅｎｃｙ.

    Ｔｈａｔ               ａｇｅｎｃｙ               ｐｒｏｂａｂｌｙ               ｄｅａｌｓ               ｗｉｔｈ               "ｊｕｎｋ               ｄｅｂｔｓ"               ｗｈｅｒｅ               ｔｈｅｙ               ｂｕｙ               ｕｐ               ｈｕｎｄｒｅｄｓ               ｏｆ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｄｏｌｌａｒｓ               ｗｏｒｔｈ               ｏｆ               ｄｅｂｔｓ               ａｔ               ａ               ｔｉｍｅ               ｆｏｒ               ｐｅｎｎｉｅｓ               ｏｎ               ｔｈｅ               ｄｏｌｌａｒ,               ｂｕｔ               ｌｅｔ'ｓ               ｄｅａｌ               ｗｉｔｈ               ｊｕｓｔ               ｙｏｕｒｓ.

    Ｓｏ,               ｙｏｕ               ｈａｖｅ               ｔｈｉｓ               $1000               ｄｅｂｔ               ｗｉｔｈ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｃｒｅｄｉｔｏｒ               ａｎｄ               ｔｈｅｙ               ｄｅｃｉｄｅ               ｔｈｅｙ               ｃａｎ'ｔ               ｃｏｌｌｅｃｔ               ｏｎ               ｉｔ,               ｓｏ               ｗｈａｔ               ｄｏ               ｔｈｅｙ               ｄｏ?

    Ｔｈｅｙ               ｗｒｉｔｅ               ｉｔ               ｏｆｆ               ｏｎ               ｔｈｅｉｒ               ｔａｘｅｓ               ａｎｄ               ｓｅｌｌ               ｉｔ               ｔｏ               ｓｏｍｅ               Ｐｒｅｄａｔｏｒ               ｆｏｒ               ｕｓｕａｌｌｙ               30-50%               ｏｆ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｄｅｂｔ               ａｍｏｕｎｔ.

    Ｗｈａｔ               ｔｈｉｓ               ｍｅａｎｓ               ｉｓ               ｔｈａｔ               ｙｏｕｒ               $1000               ｄｅｂｔ               ｊｕｓｔ               ｇｏｔ               ｓｏｌｄ               ｔｏ               ｓｏｍｅｏｎｅ               ｆｏｒ               ａｒｏｕｎｄ               $300-$500               ｄｏｌｌａｒｓ               ａｎｄ               ｔｈｅｙ'ｒｅ               ｈｏｐｉｎｇ               ｔｏ               ｃｏｌｌｅｃｔ               ｔｈｅ               ｆｕｌｌ               $1000               ｆｒｏｍ               ｙｏｕ.

    Ｗｅｌｌ,               ｔｈｅｙ               ｓｔａｒｔ               ｈａｒａｓｓｉｎｇ               ｙｏｕ               ａｎｄ               ｙｏｕ               ｒｅｑｕｅｓｔ               ｖａｌｉｄａｔｉｏｎ               ｗｈｉｃｈ               ｔｈｅｙ               ｄｉｄｎ'ｔ               ｐｒｏｖｉｄｅ,               ｓｏ               ｈｅｒｅ'ｓ               ｗｈｅｒｅ               ｔｈｅ               ｎｅｘｔ               ｓｔｅｐ               ｃｏｍｅｓ               ｉｎ.

    Ｔｈｅｙ               ｋｎｏｗ               ｔｈｅｙ               ｃａｎ'ｔ               ｃｏｎｔａｃｔ               ｙｏｕ               ａｇａｉｎ               ｏｒ               ｃｏｌｌｅｃｔ               ｔｈｅ               ｄｅｂｔ               ｓｏ               ｗｈａｔ               ｄｏ               ｔｈｅｙ               ｄｏ...ｔｈｅｙ               ｓｅｌｌ               ｔｈａｔ               ｄｅｂｔ               ｔｏ               ｓｏｍｅｏｎｅ               ｅｌｓｅ.

    Ｔｈｅｎ               ａｎｏｔｈｅｒ               ｃｏｍｐａｎｙ               ｓｔａｒｔｓ               ｔｏ               ｃｏｍｅ               ａｆｔｅｒ               ｙｏｕ.

    Ｓｏ,               ｓｔａｒｔｉｎｇ               ａｔ               ｔｈｉｓ               ｐｏｉｎｔ,               ｌｅｔ'ｓ               ｓｔａｒｔ               ｙｏｕｒ               ｔａｃｔｉｃｓ               ｈｅｒｅ.
                   Ｙｏｕｒ               ｎｅｘｔ               ｓｔｅｐ               ｓｈｏｕｌｄ               ｂｅ               ｔｏ               ｔａｋｅ               ｔｈｅ               ｌｅｔｔｅｒ               ｔｈｅ               Ｐｒｅｄａｔｏｒｓ               ｓｅｎｔ               ｙｏｕ,               ｏｒ               ｉｆ               ｔｈｅｙ               ｄｉｄｎ'ｔ               ｒｅｓｐｏｎｄ               ａｔ               ａｌｌ,               ａ               ｌｅｔｔｅｒ               ｓｔａｔｉｎｇ               ｉｔ               ｗａｓｎ'ｔ               ｖａｌｉｄａｔｅｄ,               ａｎｄ               ｓｅｎｄ               ａ               ｃｏｐｙ               ｏｆ               ｔｈａｔ               ｌｅｔｔｅｒ               (Ｃｅｒｔｉｆｉｅｄ               Ｍａｉｌ)               ｔｏ               ｔｈｅ               Ｃｒｅｄｉｔ               Ｂｕｒｅａｕｓ.

    Ｙｏｕ               ｓｈｏｕｌｄ               ｓｔａｔｅ               ｔｈａｔ               ｔｈｅｙ               ａｒｅ               ｂｏｕｎｄ               ｂｙ               Ｆｅｄｅｒａｌ               Ｌａｗ               ｔｏ               ｏｎｌｙ               ｒｅｐｏｒｔ               ａｃｃｕｒａｔｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               ｓｉｎｃｅ               ｔｈａｔ               ｄｅｂｔ               ｃｏｕｌｄｎ'ｔ               ｂｅ               ｖａｌｉｄａｔｅｄ,               ｔｈｅｎ               ｉｔ               ｈａｓ               ｔｏ               ｂｅ               ＲＥＭＯＶＥＤ               ＦＲＯＭ               ＹＯＵＲ               ＣＲＥＤＩＴ.

    Ｗｈｅｎ               ａｎｏｔｈｅｒ               Ｐｒｅｄａｔｏｒ               ｃｏｎｔａｃｔ               ｙｏｕ,               ｒｅｐｅａｔ               ｔｈｅ               ｐｒｏｃｅｓｓ               ｕｎｔｉｌ               ｉｔ               ｇｅｔｓ               ｉｎｔｏ               ａ               ｃｙｃｌｅ               ｏｆ               2               ｏｒ               3               ｄｉｆｆｅｒｅｎｔ               Ｐｒｅｄａｔｏｒｓ               ｈａｖｅ               ｃｏｍｅ               ａｆｔｅｒ               ｙｏｕ.

    Ｗｈｙ               ｙｏｕ               ａｓｋ?

    Ｂｅｃａｕｓｅ               ｉｔ               ｓｈｏｗｓ               ｔｈａｔ               ｉｔ               ＣＡＮ               ＮＯＴ               ＢＥ               ＶＡＬＩＤＡＴＥＤ               ＡＮＤ               ＹＯＵ               ＨＡＶＥ               ＤＯＮＥ               ＹＯＵＲ               ＰＡＲＴ               3               ＯＲ               4               ＴＩＭＥＳ               ＯＶＥＲ               ＡＮＤ               ＩＴ'Ｓ               ＴＩＭＥ               ＦＯＲ               ＩＴ               ＴＯ               ＳＴＯＰ.

    Ｗｈｙ               ｄｏｅｓ               ｉｔ               ｍａｔｔｅｒ               ｈｏｗ               ｉｔ               ｌｏｏｋｓ               ｙｏｕ               ｍｉｇｈｔ               ａｓｋ               ａｇａｉｎ?

    Ｂｅｃａｕｓｅ,               ｙｏｕｒ               ｆｉｎａｌ               ｓｔｅｐ               ｔｏ               ｆｉｇｈｔ               ｂａｃｋ               ｉｓ               ｔｏ               ｓｕｅ               ｔｈｅｓｅ               Ｐｒｅｄａｔｏｒｓ               ａｎｄ               ｗｉｎ!
                   Ｄｏｎ'ｔ               ｇｅｔ               ｎｅｒｖｏｕｓ               ｔｈｉｎｋｉｎｇ               ａｂｏｕｔ               ｇｅｔｔｉｎｇ               ｓｕｅｄ.

    Ｉｆ               ｔｈｅｙ               ｃａｎ'ｔ               ｖａｌｉｄａｔｅ               ｔｈａｔ               ｄｅｂｔ,               ｙｏｕ               ｗａｎｔ               ｔｈｅｍ               ｔｏ               ｓｕｅ               ｙｏｕ.

    Ｙｏｕ               ｗａｎｔ               ｔｈｅｍ               ｔｏ               ｔａｋｅ               ｙｏｕ               ｔｏ               ｃｏｕｒｔ               ｂｅｃａｕｓｅ               ｙｏｕ'ｒｅ               ｇｏｎｎａ               ｐｒｏｖｉｄｅ               ａｌｌ               ｙｏｕｒ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ａｎｄ               ｄｅｍｏｎｓｔｒａｔｅ               ｔｈａｔ               ｔｈｅｙ               ｄｉｄｎ'ｔ               ｆｏｌｌｏｗ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｌａｗｓ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｎｄ               ｙｏｕ'ｒｅ               ｇｏｉｎｇ               ｔｏ               ｇｅｔ               ｉｔ               ｄｉｓｍｉｓｓｅｄ.

    Ｉｔ'ｓ               ａｌｓｏ               ｎｏｔ               ａ               ｂａｄ               ｉｄｅａ               ｔｏ               ｓｕｅ               ｔｈｅｍ               ｗｉｔｈ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｎ               ｈａｎｄ.

    Ｌｏｔｓ               ｏｆ               ｔｉｍｅｓ,               ｗｈｅｎ               ｔｈｅｙ               ｓｕｅ               ｙｏｕ,               ｔｈｅｙ               ＨＯＰＥ               ｙｏｕ               ｄｏｎ'ｔ               ｓｈｏｗ               ｕｐ               ｔｏ               ｃｏｕｒｔ               ｓｏ               ｔｈｅｙ               ｇｅｔ               ａ               "ＤＥＦＡＵＬＴ               ＪＵＤＧＭＥＮＴ"               ａｇａｉｎｓｔ               ｙｏｕ.

    Ｂｕｔ,               ｔｈａｔ'ｓ               ｎｏｗ               ｈｏｗ               ｗｅ               ｆｉｇｈｔ...ＷＥ               ＳＨＯＷ               ＵＰ               ＩＮ               ＣＯＵＲＴ               ＡＮＤ               ＳＨＯＷ               ＡＬＬ               ＯＵＲ               ＩＮＦＯＲＭＡＴＩＯＮ               ＡＮＤ               ＷＩＮ!!!

    Ｒｅｍｅｍｂｅｒ,               ｔｈｅｙ               ｏｎｌｙ               ｈａｖｅ               30               ｄａｙｓ               ｔｏ               ｖａｌｉｄａｔｅ               ｔｈｉｓ               ｄｅｂｔ               ａｎｄ               Ｉ               ｄｏｎ'ｔ               ｃａｒｅ               ｉｆ               ｔｈｅｙ               ｃａｎ               ｄｏ               ｉｔ               45               ｄａｙｓ               ａｆｔｅｒ               ｔｈｅｙ               ｓｉｇｎｅｄ               ｆｏｒ               ｔｈａｔ               ｌｅｔｔｅｒ               ｏｆ               Ｒｅｑｕｅｓｔ               ｏｆ               Ｖａｌｉｄａｔｉｏｎ               ｏｒ               ｉｆ               ｉｔ'ｓ               3               ｙｅａｒｓ               ｌａｔｅｒ...ｔｈｅｙ               ｏｎｌｙ               ｈａｄ               30               ｄａｙｓ.
                   Ｉ               ｈｏｐｅ               ｔｈｉｓ               ｓｅｒｉｅｓ               ｏｆ               ａｒｔｉｃｌｅｓ               ｈａｓ               ｈｅｌｐｅｄ               ｙｏｕ               ｗｉｎ               ａｎｄ               ｒｅｇａｉｎ               ｃｏｎｔｒｏｌ               ｏｆ               ｙｏｕｒ               ｌｉｆｅ               ａｇａｉｎ.

    Ｄｅａｌｉｎｇ               ｗｉｔｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ               ｃａｎ               ｂｅ               ａ               ｄａｕｎｔｉｎｇ               ｔａｓｋ               ｆｏｒ               ａｎｙｏｎｅ               ｂｕｔ               ｗｉｔｈ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               ｔａｃｔｉｃｓ,               ｙｏｕ               ｃａｎ               ｄｅｍａｎｄ               ｒｅｓｐｅｃｔ,               ｒｅｇａｉｎ               ｙｏｕｒ               ｆｉｎａｎｃｅｓ               ａｎｄ               ｃｏｎｔｒｏｌ               ｏｖｅｒ               ｙｏｕｒ               ｌｉｆｅ.
                   Ｔｈｅ               ｆｉｎａｌ               ｓｈｏｒｔ               ａｒｔｉｃｌｅ               ｏｆ               ｔｈｉｓ               ｓｅｒｉｅｓ               ｉｓ               ｊｕｓｔ               ａ               ｓｍａｌｌ               ｌｉｓｔ               ｏｆ               ｔｈｉｎｇｓ               ｔｏ               ｒｅｍｅｍｂｅｒ               ａｎｄ               ｆａｃｔｓ               ｙｏｕ               ｍａｙ               ｎｏｔ               ｋｎｏｗ               ａｂｏｕｔ               ｃｒｅｄｉｔｏｒｓ               ａｎｄ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｔｈｅｍ               ｔｈａｔ               ｍａｙ               ｂｅ               ｖｅｒｙ               ｈｅｌｐｆｕｌ               ｔｏ               ｙｏｕ!

    Ｉｔ'ｓ               ｃａｌｌｅｄ               "10               Ｔｈｉｎｇｓ               Ｙｏｕ               ＮＥＥＤ               ｔｏ               Ｋｎｏｗ               ｗｈｅｎ               Ｄｅａｌｉｎｇ               ｗｉｔｈ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｏｒｓ"...Ｇｏｏｄ               Ｌｕｃｋ               Ｆｒｉｅｎｄｓ!






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