Human Resources Trends for 2017

Human Resources Trends for 2017

Last Updated: Feb 24, 2017
Human resources departments are facing changes and adjusting to expectations of new generations of workers. Here are the HR trends anticipated for the coming year.

With the changing political landscape and new generations of workers in the workplace, Human Resource professionals will need to stay informed about legal issues and proactively plan for trends in the field. Here are some of the upcoming trends to watch out for.

1. Millennials continue to play a big role in shaping the workplace. According to a 2015 survey by FlexJobs, the majority of millennials (85%) report that they want a flexible work schedule, which has led to more tele-commuting opportunities. Rather than a workforce of all full time employees, workplaces will include consultants, contractors, freelancers, and part time employees. Human resources professionals will need to develop plans for on boarding and training all of these workers.

2. Again, because of the influence of millennials, who desire continuous performance feedback, the standard annual performance review may be replaced by continuous feedback systems that build in coaching and suggestions from key stakeholders. HR professionals will need to create new feedback systems and provide staff with communication and training.

3. Companies are looking at providing benefits that complement work/life balance. A recent survey by SunTrust Bank found that seventy percent of working adults experience a moderate or high level of financial stress. Proactive HR professionals will include financial planning tools for workers in their corporate wellness programs.

4. Another trend is the changing look of the workplace. In a TED talk, Susan Cain stated that many open floor plans are “designed mostly for extroverts and their need for lots of stimulation”. Companies may want to create new workplace designs that give employees the ability to choose a workspace that fit their needs. HR can play a role in creating these new work environments.

5. Outsourcing human resources functions has been popular over the last few years and will continue as a trend to save time and money. Internal human resources professionals will be focused on running HR as a service organization, measuring employee engagement, and continuing to embrace the use of HR technology for recruiting, on boarding, wellness, etc.

6. Last, in regards to the changing political landscape and employment law, many experts predict that the federal minimum wage will remain unchanged. We may see some changes from the Equal Employment Opportunity Commission (EEOC). The new EEOC head, Victoria Lipnic, voted against the EEOC’s 2015 decision that sexual orientation discrimination is gender discrimination, voted against the EEOC’s 2014 guidance concerning pregnancy discrimination that imposed greater accommodations for pregnant women and voted against the regulation that requires businesses with 100 or more workers to submit pay data by gender, race and ethnicity on their EEO-1 report. And last, Supreme Court nominee Neil Gorsush, if confirmed, is predicted to be pro-business. It will be critical for HR professionals to stay informed about changing employment laws.


Stick to What You Do Best, then Delegate

Stick to What You Do Best, then Delegate

Last Updated: Mar 12, 2015
When you started your business, you had to do everything. But as your business grows, you need to give up the tasks better performed by employees or outside professionals. Here are three areas of your business you should consider delegating.

Most small business owners start out doing it all by themselves until the business grows and they find that they need to now hire staff to grow their business any further. That’s when some hard decisions need to be made. Mostly, it’s the business owner trying to decide what they feel comfortable letting go of to their staff. Of course this all depends on what skill sets they hired, but it also comes down to the owner actually letting go of the tasks they need help with versus just giving away the ones they like the least. Let’s consider what should be examined in greater detail to make sure you’re doing this right… 

Marketing. The term marketing covers a broad range of activities that includes online content, website, etc., but I’ll cover that more below because in 2015 it is something big enough that it needs to be considered separately. But what else about marketing? An overall strategy… a plan for what you’re going to do day-to-day, month-to-month to market your business. This may not be you. Maybe you did it well when you were smaller or running everything on your own, but as you grow you may need someone dedicated to do this for you. Otherwise, you miss out on the analysis that will find out who best to market to and how. You’ll miss potential clients and potential revenue. Delegating this task will be money well spent. 

RELATED: 6 Tips for Delegating Effectively

Finances. Let’s face it, not everyone handles finances well. You can be making a ton of money in your business, and still not manage your business’s money well, or plan well for upcoming revenue streams. I’ll be the first to admit that I’m not very good at it. I manage project financials well, but when it comes to my own consulting finances and planning, it’s not something that I do well or have much time for. Thankfully, my wife is great at it. If managing finances isn’t one of your strengths, outsource it or hire someone to take care of that portion of your business for you. You’ll likely find that they money you’ve spent on that resources is far outweighed by increased business revenue because you’ve freed up that time and you’ve taken away a heavy burden from yourself.

Online presence. In today’s business world, this is critical, though it’s hard to see the return on investment for it. It’s not something you can do for a couple of weeks and give up. Likely, you need to put significant effort into your online marketing for 6 months or a year. Start with a website, a presence on the key social media sites, and small promotions online to get the word out about your organization, what you do and any specials you might be running from time to time. Most of this is free – except the effort and time to do this. And you need to do it well. Refresh your website and online content if you haven’t done this in awhile. Engage your customers online in social media and keep content fresh to keep potential customers interested. If you don’t have the technical expertise or interest to pull this off, then bring someone in who can because this is critical in 2015.

RELATED: 18 Tips For Better Results When You Outsource


The bottom line is this… What are you good at? Not what do you like to do the most. What are you really good at and how best can you help your own business grow? If you’re holding it back because you won’t let go of those tasks you’re less qualified for just because you’re squeamish about it, then you have no one but yourself to blame when your business fails to thrive or closes up shop. It takes a skilled entrepreneur to really put the business above their own wants, needs and preferences when looking at what skills and responsibilities to delegate and trust others to get done.

© 2015 Attard Communications, Inc. All Rights Reserved. May not be reproduced, reprinted or redistributed without written permission from Attard Communications, Inc.

Brad Egeland is a Business Solution Designer and IT/PM consultant and author of A Real World Project Manager’s Guide to the Successful Project. He has over 25 years of software development, management, and project management experience leading initiatives in Manufacturing, Government Contracting, Creative Design, Gaming and Hospitality, Retail Operations, Aviation and Airline, Pharmaceutical, Start-ups, Healthcare, Higher Education, Non-profit, High-Tech, Engineering and general IT. Brad is married, a father of 11, and living in sunny Las Vegas, NV. Visit Brad’s site at


How to Deal With Difficult Customers and Clients

Last Updated: Apr 5, 2017
No matter how good your customer service, you will eventually have to deal with an unhappy client. Whether you made a mistake or they’re just having a bad day, these five tactics can help you handle difficult customers.

For self-employed professionals and small businesses, difficult clients are a fact of life. Even if you rarely make mistakes and treat all your clients with appropriate professionalism, sooner or later you’re going to make an error or a client’s expectations won’t be met. And of course, there are always going to be a few clients who are having a bad day, who have an unclear understanding of what you do, or who are simply hard to please. These can be difficult situations, but it’s important not to let it get you down. When you’re in the midst of an uncomfortable client interaction, always remember the vast majority of your clients who are happy with what you do.

Here are some things to keep in mind when dealing with difficult clients.

Listen: If your client is dissatisfied, listen to their concerns (do not interrupt them) if you need to take notes, do it. Your goal is to become clear on WHY they are upset. When it’s your turn to talk, start by recapping what they said. This lets the client know you have understood what they said and makes them feel heard. At the same time, however, keep in mind that you are not obligated to continue the interaction if a client becomes abusive in any way.

Take time: If you are communicating with the client primarily through email or another online platform, don’t respond immediately. Take some time to absorb what’s going on and to take the edge off your initial feelings. Give yourself at least an hour or two. If you can wait until the next day, even better.

RELATED: How to Handle Client Misunderstandings and Miscommunication

De-escalate: If the client takes an angry, annoyed, or short tone with you, don’t respond in kind. Doing so will only make things worse. Be the level-headed one in the situation, and maintain an air of total professionalism throughout the interaction.

Find the kernel of truth: When a client responds to your work with harsh criticism, your natural impulse may be to deny that you did anything wrong and to dismiss the client’s concerns as unreasonable. Try to resist this impulse, and use this as an opportunity for a little reflection. Was there a breakdown in communication, and if so, where did it occur? Were you cutting corners or not working to your highest standards? What should you do in the future to prevent these situations? It could be that the client is indeed being unreasonable, but a little self-reflection never hurts.

Consider taking the loss: There’s no use getting into a drawn-out, tense situation over a relatively small amount of money. Dealing with difficult clients can be emotionally taxing, not to mention time-consuming. At some point, it’s just not worth it anymore. So if you can afford to give a refund and end the relationship, regardless of who is right and who is wrong, consider doing so.

Of course, you may also run into situations where the client is not necessarily angry but perhaps difficult in other ways. For example, dealing with scope creep (the phenomenon where a project that has already been agreed to continues to grow little by little) requires a special type of tact, especially when it becomes necessary to ask for more money. And then there are difficult situations such as when you need to extend a deadline or turn down a project from a regular client.

In each case, try to see things from the client’s perspective, and meet your client’s needs as best you can while looking out for yourself and your business. Be as honest as you can without getting too personal. Make sure your clients know that you value their business even if you cannot fully meet their needs at this time. Keep all your interactions professional and polite, and your clients will usually understand.

Jennifer Davey is a Small Business Coach and Marketing Strategist specializing in helping small businesses grow, boost profits, and get more clients. If you would like to learn more about developing good client relationships while building your business, download her free report, ‘What You Need to Know to Be Successful at Getting Clients,’ at


Start a Digital Forensics Business

Last Updated: Mar 11, 2017
High profile computer break-ins and data breaches have brought to light the need for digital forensics experts – professionals who can track down weaknesses in a computer system’s security before criminals discover them. Here are tips for starting a digital forensics business.

Late last year Sony Pictures Entertainment (SPE) made the news when hackers got into the corporation’s computer systems and stole personal information on employees and their families. This information included financial information and e-mails between celebrities that proved embarrassing for them. The incident illustrates the growing need for professionals who can maintain security in private networks and work to prevent such attacks from happening as well as minimizing damage when they do.

Regardless who was behind the hacking of Sony, companies like SPE are in dire need digital forensics experts to help them keep their databases secure.

What Is A Digital Forensics Business?

Digital forensics experts investigate and analyze digital media to discover and recover data stored on digital devices. Many digital forensics professionals assist in solving crimes. However, criminal law is not the only application of this knowledge.

Digital evidence can also be used in civil court. Professionals can serve as expert witnesses. Large corporations employ them to gather evidence on employees who may use computers and other digital media in ways not authorized by company policy. Data recovery is another important application. Companies and individuals that lose information stored on digital devices may hire an expert to recover that data.

Who Hires Digital Forensics Experts?

There are many types of businesses, government agencies, and even individuals who might require the services of a digital forensics professional. These include:

As this field grows and becomes more widely known, the applications of digital forensics skills will widen. Salary expectations range from $30,000 for entry-level positions to $80,000 for senior network engineers. A skilled digital forensics analyst running her own business could earn a six figure income if she can grow her client base large enough.

Starting Your Digital Forensics Business

Before you do anything, you’ll need to obtain the proper certifications, education, and experience. That means you’ll need a background in computer science. At least a bachelor’s degree in digital forensics is helpful to get started. Some experts minor in digital forensics or obtain a professional certification in the specialty while obtaining a bachelor’s degree in another field such as law, computer science, criminal justice, or finance. These degrees could help you specialize in a business niche.

After you’ve satisfied the educational requirements, you’ll need to set up your business. Talk to a lawyer and a tax accountant to determine the best business structure for your situation in your state.

You’ll also need to acquire the proper insurance. General liability and Errors and Omissions insurance will protect you and your clients. You’ll need to purchase office supplies, equipment, and software to help you run your business. If you are not operating out of your home, you’ll need to rent office space.

Take some time to identify the types of customers you want to attract. Do you want to work with financial institutions, lawyers, government agencies? Make a list.

Next, you’ll need to start advertising. Start with a website. It’s a small investment, but your website represents your business from the moment it goes up until you take it down (which should be never if you plan to stay in business). Get some letterhead and business cards with your business name, address, and contact information printed on them and start sending out letters of introduction to businesses you’d like to connect with. Attend a few networking events in your area and start meeting people. Early in your business, shaking hands and introducing yourself is the most important thing you can do to get your digital forensics business kick started.

With some diligence, patience, and people skills, you can grow your new digital forensics business as big as you want. Work as a sole proprietor or hire employees. It’s your business; it’s your call.

© 2015 Attard Communications, Inc. All Rights Reserved. May not be reproduced, reprinted or redistributed without written permission from Attard Communications, Inc.


The Benefits Of Finding People Looking To Invest In Your New Business

An entrepreneur seeking to raise capital
for his/her new business should be aware that there are people out there who are
looking to invest. Most commonly known as angel
, these people are investment professionals who have made it their
career to invest in startup companies for a portion of the profits or IPO. Many
entrepreneurs tend to shy away from angel investors because it means that ownership
of the company and profits made will be shared with others. If an entrepreneur experiences
difficulty in being unable to find suitable business capital from other
funding sources
, then choosing angel investors may be the next viable option
to pursue.

Benefits of angel investors
There are many benefits in having angel investors
as part of a new business. The most important advantage is that they provide immediate
business capital. In addition, they do not require expensive monthly repayment terms
as most traditional lenders. Angel investors understand that a new business will
not make money right away; therefore, the
will not have to worry about paying exorbitant monthly fees
with interest. This is quite a different approach from traditional bankers who expect
payment almost immediately.

Another positive fact is that angel investors
are very business-savvy individuals who do not want to see their money go to waste.
They can bring a fair amount of expertise to the table in order to help and guide
the entrepreneur and the invested company towards success. When prospective business
owners choose angel investors to fund their startup, often times, they do not need
other sources of funding since
the angel capital amount will usually cover all startup costs.

Disadvantages of angel investors
Some people do not like the idea of working with
angel investors
because it often means that they must share ownership of
the company with others. Sole proprietorship of a new business is something that
new entrepreneurs may desire; however, they must reconsider, especially if they
are interested in seeking angel capital. When
investing in a company
, angel investors often expect a percentage of company
ownership, stock options, a board seat, and a large ROI. These demands are quite
reasonable for the angel investor since they are putting their own money at risk
when they invest.

An entrepreneur must also take the time out to find the right angel investor because
inappropriate selection may very well lead to problems. For example, an entrepreneur
may choose an angel investor who does not
have experience in the company’s field of industry or one who is not actively involved
in regular company operations. These scenarios can mean trouble, especially if the
new company needs guidance during its crucial early stages of development. In addition,
an entrepreneur may choose an angel investor that is too controlling, which may
lead to resentment and possible company failure. Before approaching an
angel investor
for funding, it is critical that prospective business owners
complete their share of due diligence, learn about angel investors and the companies
they have invested in, and understand their personalities.

Angel investors provide an excellent means for entrepreneurs who seek capital for
their startups. Not only do they bring immediate business capital to the invested
company but they also provide experience and expertise in making the new company
very profitable. For those who are not opposed to sharing ownership of a company
and agreeing to special terms, then angel investing
may be considered a good option in order to raise the required startup capital.


Enrolled Agents: Unsung Tax Professionals

When clients learn I am an Enrolled Agent with the Internal Revenue Service a variety of responses follow.  Some panic, thinking I am an auditor or some sort of secret tax-agent.  Others mistakenly believe I am an employee of the IRS.  More often than not, however, I get the response “Enrolled Agent, what is that?”  Enrolled Agents are certainly rare.  There are only 46,000 Enrolled Agents in the United States and only a handful that practice in West Virginia.  What is an Enrolled Agent and why did I choose to become one?  These questions are best answered with a little historical detail.

After graduating college with Bachelor degrees in accounting and economics, I spent some time mapping the paths my career might take.  I had several years of experience preparing tax returns and a passion for the mechanics of business.  How could I combine accounting, tax preparation, and business strategy?  Part of the answer was to sharpen my business skills by pursuing a Masters Degree in Business Administration.  The complete answer arrived shortly after starting the MBA program.  I was sharing my career quandary with a classmate and he said, “Why not become an Enrolled Agent.”  My response: “An Enrolled Agent, what is that?”  He went on to explain that an Enrolled Agent is a tax professional licensed and regulated by the United States Department of Treasury. 

I had my answer.  Becoming an Enrolled Agent took nine months of intense study and passing a two-day, four-part exam dealing exclusively with federal taxation: individuals, businesses, corporations, estates, trusts, and IRS procedures.

Enrolled Agents (EA) are independent tax professionals, licensed and regulated by the United States Treasury Department.  Enrolled Agents are not employees or representatives of the IRS.  The term “Enrolled” means to be licensed to practice by the federal government.  The term “Agent” means authorized to appear in place of the taxpayer before the IRS (only Enrolled Agents, attorneys, and CPAs may represent taxpayers before the IRS).  Enrolled Agents work for their clients and are qualified to prepare all tax returns presented to the IRS.  They are also licensed to represent their clients before all administrative levels of Internal Revenue Service including audits, collections, and appeals. 

After proving their expertise in the field of taxation, EAs’ must continue to sharpen their skills and keep up with the ever-changing tax code by receiving at least 72 hours of continuing education every three years.  EAs who, like me, are members of the National Association of Enrolled Agents must receive at least 90 hours of continuing education to maintain their membership.

Unlike other tax professionals, only Enrolled Agents are required to demonstrate their competence in matters of taxation directly before the US Treasury Department.  Only Enrolled Agents receive their right to practice directly from the federal government (other representatives are licensed by the states).  Another difference between EAs and other tax professionals is that all Enrolled Agents specialize in taxation.  Other professionals may or may not choose to specialize in taxes.

Although Enrolled Agents are not as plentiful as other types of tax professionals, keep them in mind if you need assistance preparing your business or personal tax returns, or find yourself in hot water with the IRS.

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Health Reform and Taxes

Since the Affordable Care Act’s inception in 2010, most professionals in the tax community have stood on the sidelines awaiting an outcome in the legislative contest between the Act’s backers and detractors.  Knowing this outcome was necessary in order for most tax professionals to justify investing the time and resources necessary to actually decipher the law’s 2,000+ pages that legislators admittedly did not read before passing. 

Over the past three years, some provisions of the Affordable Care Act have been delayed.  Other provisions have been waived for certain groups.  Many provisions, however, have plodded steadily ahead, including the individual mandate requiring average Americans to have health coverage.  The opening of the state health insurance exchanges on October 1st precedes this 2014 requirement.   

Suddenly , those who have taken a wait-and-see attitude regarding the law’s viability are scrambling to learn the effect of the 2,000 page law’s 20,000+ pages (a number that varies widely depending on the printer’s font size and political affiliation) of regulation.  The important thing to note here is that health care reform will directly impact the lives of every reader and place the IRS squarely in the middle of the administrative process.  In upcoming months, I hope to highlight how particular tax changes related to health care reform will impact American families and businesses.  In today’s column, I will highlight some health reform tax changes that have occurred in 2013 and can be expected next year.

Tax Changes – 2013:

Tax Changes – 2014:

Employer Mandate and Penalty Delayed to 2015:

On July 2, 2013, the Treasury Department announced a delay in the employer mandate from January 1st 2014 to January 1st 2015.  The Employer Mandate is highly complex and requires a great deal of calculation, information, and a flow chart to work through.  But, it essentially boils down to:  (1) employers being required to offer coverage and (2) that the coverage be affordable:

Mandate to Offer Coverage:

Employers who employ 50 or more full-time equivalent employees will be required to provide health insurance to their employees.  Employers who do not offer any coverage and have one or more employees who receive a “premium tax credit” or insurance exchange “subsidy” will have to pay a penalty/tax of $2,000 for each full-time employee (minus 30 employees).

Mandate to Offer Affordable Coverage:

Employers who employ 50 or more full-time equivalent employees and offer insurance will be required to pay a penalty of $3,000 per employee receiving the premium tax credit up to a maximum of $2,000 for each full-time equivalent employee (minus 30 employees) if either of the two following conditions exist:

This article has highlighted a few tax changes required by the Affordable Care Act in 2013 and 2014.  This article (or any article) should not be relied upon to make tax or financial decisions.  If you would like assistance wading through these new health reform tax regulations, please feel free to contact our office.

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Fresh Start for Tax Debtors

April 15th means many things to many people.  For tax professionals it means a moment to breathe and refocus – a respite from the chaos and crisis of the first two weeks of April: Last-minute drop offs of tax items and the filing of extensions while completing returns for clients who view extensions as an invitation for audit (point of fact: It is not).

For those who owe taxes they cannot afford to pay, however, April 15th can be anything but a respite.  Owing a debt to the government can be highly stressful and financially devastating.  Avoiding the debt issue can result in liens being filed on one’s property, levies (the taking of) of wages or bank accounts, and in extreme cases criminal prosecution.  Those who watch television will eventually see a commercial touting tax debt resolution for “pennies on the dollar.” Unfortunately, however, if they pay very close attention (and get out a magnifying glass) they will also find the fine-print disclaimer that accompanies many of these claims. 

Although settling a $100,000 tax debt for $2,500 is a tax professional’s rare pleasure, such victories are generally the result of the debtor being financially insolvent with little hope of recovery.  These victories also occur more frequently when mis-reported income is corrected or unfiled returns are filed than from heated negotiation. 

Fresh Start Initiative:  That being said, the IRS recently made some meaningful changes that have eased the burden on many taxpayers who owe back-taxes.  The IRS’s Fresh Start Initiative started a few years ago.  It reduced the likelihood of having liens filed and made it easier to establish an installment agreement to pay back taxes.  It also eased the requirements for making an Offer in Compromise and reducing the offer amount that will be accepted.  In this article I will discuss these changes.

Liens Less Likely:  A federal tax lien represents the US Treasury’s claim against a tax debtor’s property – including real estate, personal property and financial assets.  Tax liens are automatically created when a tax is assessed – the IRS sends a bill for the tax, and the tax is not paid.  Although these liens are created automatically, a formal Notices of Federal Tax Lien is what notifies the public and creditors of the taxpayer’s debt.  A Notice of Federal Tax Lien can negatively impact one’s credit rating and ability to obtain credit or sell property. 

For the IRS, however, a Notice of Federal Tax Lien can have an unintended consequence: Reducing the debtor’s ability of obtaining the funds with which to pay their back-taxes!  The Fresh Start initiative removed the frequency of this occurring by increasing the dollar threshold for filing these formal notices from $5,000 to $10,000.  The initiative also made it easier for liens to be subordinated and withdrawn for certain taxpayers who enter into Direct Debit Installment Agreements to pay their debt.

Installment Agreements Made Easier: The Fresh Start Initiative increased the upper limit for taxpayers who will qualify for the Streamlined Installment Agreements Program from $25,000 to $50,000.  It also added a full year for qualifying participants to pay their back-taxes by increasing the maximum repayment period from 60 to 72 months.  Although the liability threshold and repayment period have increased, certain requirements must be met to qualify. These requirements include the filing of all past-due tax returns and future compliance with tax filings and payments.  Other policies vary based on the amount of back-tax owed.  Below is a brief run-down of these repayment policies.

Tax Debt $10,000 or Less: Generally, individual taxpayers requesting an installment agreement will not be turned down if they: 1) Owe less than $10,000, 2) Have filed their tax returns on time and paid all taxes due for the previous five years, 3) Agree to pay their tax debt in full within three years, and 4) The IRS agrees they need additional time to pay. 

Tax Debt $25,000 or Less: Those who owe $25,000 or less in back-taxes and do not qualify for a “guaranteed” installment agreement may qualify for the Streamlined Installment Agreement.  The agreement is requested by completing Form 9465.  If accepted, taxpayers will have up to 72 months to pay their back taxes.  Although this request can be refused by the IRS, it will generally be accepted if all tax returns have been filed and the taxpayer has not defaulted on a previous agreement.

Tax Debt $25,000 to $50,000: The Fresh Start Initiative made it possible for those owing between $25,000 and $50,000 to also qualify for a Streamlined Installment Agreement.  The agreement is requested by completing Form 9465-FS and will give taxpayers up to 72 months to pay their back taxes.  Although applying is a bit more complex for those who owe over $25,000, it is much simpler than before.  Special calculations must be made to determine whether the taxpayer can meet their payment obligation for the up-to 72 month period.

Offer in Compromise: An Offer in Compromise (OIC) occurs when a taxpayer offers less than total tax due to settle a tax deficiency. Although a valuable tool for the Tax Professional, successful OIC are relatively rare.  The IRS criteria for those who qualify is so narrow that, based on raw historical data, only about 20% are accepted. OICs can also take many months to craft, submit, and guide through the application process.  As a result, a primary task of the tax professional is to determine which taxpayers will make successful Offer in Compromise candidates.

The Fresh Start Initiative, however, may help increase the OIC acceptance rate by making it easier for many tax-debtors to quality and by reducing the number of months of tax payer income (basically defined as monthly funds left over after essential living expenses are paid) used to calculate the offer. The initiative also allows taxpayers to include federally guaranteed student loan payments and the repayment of certain delinquent state and local taxes.  Under certain circumstances it will even allow a certain amount of debt payments, such a minimum credit card payments when determining ability to pay.  These changes have effectively reduced the amount of an offer the IRS will deem as acceptable.

Today I have discussed certain aspects of the IRS Fresh Start Initiative   I did not, however, discuss many of the requirements and limitations of the repayment options listed above or many other factors that may influence your situation or repayment strategy.  As always, remember that this (or any) article does NOT constitute tax advice.  If you have questions or need assistance, please feel free to contact our office if you wish to speak with a tax professional.

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