OTR Banking Tips, Options

You can also usually avoid garnishment if you enter into a payment plan with them, as long as you're consistently making the payments.

 

Not to hijack but don’t you use a fuel discount card like NASTC?

 

I used to haul cars and many dealers were required to pay cash on delivery

I would have the drivers who worked for me as I did myself go to Walmart when the cash started getting to be a lot and put that cash on my green card acct. or something like that
Then I could control how the driver could get $ off the card for fuel. Room or whatever

I personally don’t like more than a few bucks cash on me. Last thing I need to do is pull out $100 bill for an item while some desperate person plans his attack

I use CC for everything

On the tax thing
I hope your lawyer is doing “ an offer in compromise “
You could do it yourself but might be hard being on the road

 

Oh, your comment took me back a few years. I was standing next to the check-out at the Atlanta Petro restaurant about 20+ years ago it was dark out. A driver pulled out a wad of cash on a money clip. I caught this as well as the two young guys that were watching him. As he walked out those 2 followed him and I followed them. I walked in a way they could not see me. They were almost about to attack when I screamed to stop. They ran. You might get by yanking a loaded money clip in podunk Iowa, but you are taking a bad risk in places like that dang Atlanta Petro!

 

Not yet. I use Mudflap occasionally. I really need to

 

I had NASTC but now get about the same discount with the card from where I’m leased on
But this is the discount today at TA



$1.31 off. Not all are this much but usually $0.50 or more

 

That's significant, and not always hunting for the cheapest place would be easier.

I make lots of calls asking fuel prices.

 

If the OP owes the IRS he can file the form requesting a payment plan AND THEN START PAYING IMMEDIATELY according to that plan. Then when the IRS answers him in 1-2 years there will already be a history of steady repayment and greatly increas IRS likelyhood of approving his repayment plan.

I suspect the OP just prefers to do everything in the most difficult, complicated, and expensive way. Maybe it gives him a rush.

 

When you can only take $500 out at a time and a typical paycheck is more than that weekly, that could turn into regular ATM use—withdrawals, hence ‘I like to use ATMs.’

When I said ‘occasional,’ referring to possible deposits, I meant occasional! From dictionary.com:

Occasional (adjective) 1. occurring or appearing at irregular or infrequent intervals; occurring now and then: an occasional headache.

 

You never know when garnishment might happen. I don’t know what the IRS is doing. I don’t think giving an attorney cash is better—unless the % taken from your account + personal expenses puts the account balance less than the fees. If so, then having the cash that meets the fees would be better than not having enough in my garnished account.

Honestly, I’m just going by what I’ve been told and have read. Supposedly, there is a program where the amount owed can be negotiated down. IF this is true, it could be better to pay to have this process conducted than to just start making payments on the whole amount demanded by the IRS. I don’t know the details of my friends finances; but, he was making a lot more money than me. He said he paid a tax professional around $500 and ended up giving the IRS less than $1,000. I’m virtually certain my unnegotiated debt to the IRS is far more than $1,000, especially with interest. Maybe I’ll pay the tax professional and still get stuck with the full balance plus their crazy high interest, maybe not. I think it is worth the risk if repayment is negotiable.

If the debt may be reduced through a government program, paying the full amount without utilizing the negotiation program could easily be ‘the most difficult…expensive way.’