Akukho Sweleko Sokuxhatshaza Ukuba awukwazi Ukuhlawula iBhili Yakho Yentela
1. Faka ifayile yakho yokubuyela kwixesha
Nangona ungenayo imali eyaneleyo yokuhlawula irhafu efunekayo, usakudinga ukuthumela ekubuyiseni kwakho ngexesha lokugqibela lokufaka .
I-IRS ivavanya ezimbini iintlobo zeentlawulo zerhafu: enye yokufakela emva kwexesha elide kunye nelinye lokungaphumeleli ukuhlawula. Ngo-2018, isohlwayo sokufakela ngokukhawuleza i-5% yentlawulo yakho ehlawulwa inyanga nganye ukubuya kwakho kuphelile, ukuya kuma-25%. Isihlwayo sokuhlawula ngokukhawuleza, ngokuthelekisa, kuphela i-0.5% yeerhafu ezingakhokhelwa. Ukuba awukwazi ukuhlawula ibhilikhi yakho yerhafu ngokugcwele ngexesha, uya kugcina isihlwayo esincinane kunokuba ungathanda ukulinda ifayile yakho yokubuya. Ngaloo ndlela, yifumana ukubuyela kwakho ngokusisigxina xa ungenakuqala.
2. Hlaziya iindlela zakho zokuhlawula
Ingaba unetyala le-100 okanye i-$ 10,000, into yokuqala omele uyenze ukuzama ukufumana imithombo ekhoyo ukuze ufumane le mali. Ngokomzekelo, unokuqwalasela ukubetha ubulungisa ekhaya lakho , usebenzisa ikhadi lekhredithi ukuhlawula irhafu yakho, ukumba ukugcina imali yakho, ukufumana mboleko mboleko, ukuboleka kubahlobo kunye nosapho, okanye ukuhlawula ixesha lokuhlawula emsebenzini. Inketho eyingozi kakhulu kukukhipha imali ngaphandle kokulondoloza umhlalaphantsi; nangona kunjalo, oku kungabangela iintlawulo zerhafu, ngoko kukulungele ukujonga oku njengento yokukhethwa kokugqibela.
Ukuba ucingisisa ngemboleko okanye ikhadi lekhredithi ukuze uhlawule umrhumo wakho werhafu, khumbula ukuba ulinganise umyinge wenzala kunye nemirhumo. Ukuba unakho ukuhlawula umboleko okanye ikhadi lekhredithi ngokukhawuleza, iindleko zingaphantsi. Kodwa, ukuba unetyala leyona ntlawulo enkulu, inzala inokuyongeza ngokukhawuleza. Kwakhona, qaphela ukuba iirhafu ze-IRS zokuhlawula iintlawulo zokuhlawula irhafu yengeniso ngekhadi lesikweletu , ezinokunyusa iindleko zakho.
3. Hlola ixesha lakho
Nangona kuhlale kukulungele ukuhlawula irhafu efunekayo kunye nexesha, kukho iimeko apho konke okufuneka uhlawule khona kukufumana ukuhlawula kwakho okulandelayo. Kwimeko enjalo, unokufakela ukubuyela kwakho kwaye wamukele isohlwayo sentlawulo. Ngethuba nje ukuba uhlawule irhafu yakho ngexesha, i-IRS iya kukuthumela ileta kwimeyili ichaza ukuba uninzi kangakanani na umnye umrhumo owongezelelweyo okanye izigwebo.
Ingcipheko kukuba ibhajethi yakho yerhafu iya kuphezu kwentloko yakho ixesha elide kwaye oko uhlawulwayo kuya kufumana izigwebo kunye nomdla uze uhlawule. Nangona kunjalo, umyinge onokuwuhlawula uya kuba mncinane xa kuthelekiswa nokuxhaswa ngemali kunye nomnye umthombo. Ngokuqinisekileyo, ngokuqinisekileyo oku akufanele kube sisisombululo sesikhathi eside kwaye umgomo wakho kufuneka uhlawule i-IRS ngokukhawuleza.
4. Khawucinge ngesiVumelwano soMfaki
Urhulumente, njengaye nawuphi na umntu, unokuthanda ukufumana imali ngaphezu kwexesha elichasene naloo nto, ngoko ke banalo icebo lezitofu ezikhoyo xa ungeke uhlawule ngokupheleleyo. Ukuze ucele isicwangciso sefowuni , kufuneka usebenzise Ifomu 9465 . Ungakwazi ukuseta le plan ukwenza udoti ngqo kwi-akhawunti yebhanki ukwenzela ukuba inkqubo ibe lula.
Isivumelwano sefowuni sexesha elifutshane singasungulwa ukuba ucinga ukuba unakho ukuhlawula ibhilikhi yakho yentela ngokupheleleyo kwiintsuku ezili-120 okanye ngaphantsi; Isicwangciso sexesha elide sinokufumaneka xa ufuna iintsuku ezingama-120 ukuhlawula.
Kukho umrhumo wokufaka isicelo sesivumelwano sekhovishini.
Abantu banokufaka isicelo kwi-intanethi kwisicwangciso-mali sokugqibela sokuhlawula xa benetyala elingaphantsi kwama-100,000 kwiirhafu ezidibeneyo, izigwebo kunye nomdla. Izicwangciso zexesha elide ziyafumaneka xa unetyala elingama-50,000 okanye ngaphantsi. Ukuba irhafu yerhafu iphezulu, uya kufuneka uthumele iposi kwiFomu 9465 ukuba usebenzise. I-IRS ikhetha ukuba iintlawulo zenziwe nge-debit ngqo kwi-akhawunti yakho yasebhanki. Izigwebo kunye nomdla uyaqhubeka ukufikelela kude kubekho ibhalansi yakho ihlawulwa ngokupheleleyo.
5. Sebenzisa i-Offer In Compromise Kwiimeko eziMbi kakhulu
Ukuba awukwazi ukuyifumana imali kwaye awukwazi ukufumana isicwangciso sezitofu, kukho enye yokugqibela ekhoyo: Umnikelo kwi-Compromise . Gcinani engqondweni, oku kungenxa yeemeko ezimbi kakhulu.
Ukuba ucela isibonelelo kwi-compromise, unokunikela ukuba wenze inkokhelo yokuhlawula okanye ukuhlawulwa ngokukhawuleza ngexesha elifutshane.
I-IRS iyavuma ukungamkeli ngaphantsi kwexabiso elipheleleyo elifunekayo ukuzalisa uxanduva lwakho lwerhafu. Le nkqubo ifuna ukuba uthumele isitatimende esipheleleyo sezimali kunye nomrhumo wesicelo se-$ 150 ngaphezu kweFomu 656 .
Ezi zinikezelo zivandlakanywa kwimeko yeemeko kwaye unako okanye ungavunyelwa. Ukuba i-IRS inquma ukusuka kwingcaciso oyinikezele ukuba awukwazi ukuhlawula ixabiso ngokugcwele, isithembiso singamkelwa. Xa usamkelekile, uyavuma ukuhlawula irhafu yakho ngokupheleleyo kwaye ngexesha eliyiminyaka emihlanu emva kokuba umnikelo usungulwe.
Hlola izinto ozikhethayo ngononophelo
Ukuhlawulwa kweerhafu kubaluleke kakhulu, ngoko kubalulekile ukuba uhlolisise zonke iinketho zakho kunokuba uzive. Ngaphezu kwakho konke, faka ibuyiselo yakho ngexesha ukuze ugweme ukuhlawulwa kwexesha lokugqibela. Emva koko, thatha ixesha lokuqwalasela indlela enokwenene ngayo ukuba uhlawule irhafu kunye neziphi iindlela ezikhoyo.