Nov 10, 2009

Recent Client Testimonial

Although we, as a team at Clear Creek, receive many testimonials each and every month, it is always a pleasant surprise when a client takes time out of their day to write a short letter to their Associate Team acknowledging the work our client's Associate Team is doing on their behalf. As this is the type of client correspondence that makes my day, and makes all that we do for our clients worth it, I thought I would share this letter with my regular and hopefully new blog readers.

The letter follows:

Ladies,

This message is written to simply say Thank You….sooo much…I am sorry that I didn't seem more excited earlier today, but my health has been occupying me and continues to fail…It will get better I am sure…just keep me in your thoughts... You all have done a wonderful job and I do want to apologize for my continued frustration but you know how frustrating it can be dealing with the government...

Would either of you know how I get this payment set up through my bank account? Just never know how to do these details and would prefer the monthly payments were automatic. Now I guess we need to work on the Penalties…

We will do what we have to but I am going to enjoy this freedom for now from the IRS…

Love you both and I do mean that…someday our path will cross.

Thanks

K.W.
District General Agent
Austin Texas

Oct 8, 2009

Just What I Needed to Hear

In speaking with one of our Associates this past week on how we were assisting our clients in dire need of our services, this Associate shared this story with me.

This Associate went on to say t hat an individual in Crawfordsville, Georgia hired Clear Creek to manage a liability of $42,100 owed to the IRS for Trust Fund Recovery Penalty taxes on a closed business. The Associate assigned to this case prepared, submitted, and negotiated an individual Offer in Compromise. After several rounds of negotiations with the Offer in Compromise Examiner, the IRS finally accepted our Offer in Compromise for the exact amount submitted, which was only $164.17! Our client paid the Offer amount and has now settled his entire liability and all Federal Tax Liens are now released. The accepted Offer in Compromise has resulted in savings to our client of $41,935!

This was the type of work I was looking to learn first-hand about as I had recently learned of some unfortunate and depressing family-related news and wished to get cheered up. Hearing this story was just what I needed and it is so energizing to learn that Clear Creek is performing great work for so many people in need especially during this harsh economic period of time.

Aug 27, 2009

Here We Go Again

This may sound exhaustingly familiar to my many readers that have kept up with my monthly entries over the past several months, but this conversation was a bit different, although it was the same old line, 'I may need to talk to you' once I tell a stranger what I do for a living. Well, this stranger was an individual who contacted me after I supplied personal financial information to an on-line mortgage advertiser. Within minutes of sending my information somewhere, I was contacted by a local mortgage company representative. After spending 15 minutes on the phone with this individual who hopes to be my personal representative, he asked if he could ask me a question.

Well, he had been asking me many questions about my employment, credit score, current loan, etc, however, I was not prepared in one sense, for what was to follow. Out of the blue he asked if I could give him advice on what he should do regarding a letter he received last week from the IRS inferring that he underpaid his tax obligations last year, and that he now has to pay the balance that is due.

I found this very was interesting. Here I was looking for a service provider to assist ME and within 15 minutes, I was giving out free advice on how to resolve his personal IRS issue. Here I was looking for assistance, and within moments, I was giving out assistance. Without going into the details, he thanked me over and over and promised that he would do whatever was in his power to reduce the loan closing costs on his end if I were to choose his company to refinance my loan.

I have yet to pull the trigger on hiring this individual, however, I do know that with the advice I offered - free of charge - he is now in a better place and is now armed with a knowledge and a roadmap with choices, of how he is going to fight and negotiate this 'difference' of tax obligation opinions. With all else being equal, I do like the fact that if I do go with his firm and we meet face-to-face, I must admit that appreciate his honesty in opening up to me about his tax issue knowing full-well that I could judge him for having a tax liability accrual, or see this for what it is and take comfort in his honesty and his desire to resolve this issue. For this, and with all things being equal, I am inclined to do business with him as he has earned my trust through being honest, and this is something that I desire in any financial commitment, let alone a mortgage commitment.

I will keep you regular readers abreast on future developments.

Aug 26, 2009

Closure

So, I heard back from my friend's friend whom I wrote about a few weeks back which is discussed in the previous blog. If you do not wish to read that entry, I will paraphrase it by stating that this individual desired tax help assistance with his outstanding tax liability, however, he had yet to follow up with me until today - nearly a month later! Well, in our offices, we know what happened to this individual, however, if you are new to a tax liability, you may not be aware that when an insider like Clear Creek tells you or anybody who has experienced a tax lien for that matter, that the IRS has awesome tools to collect outstanding tax liabilities, you should pay attention and NOT be like this individual.

So, he emails me today to apologize for not getting back with me, but for me to contact him by phone immediately. Being humble, I contact him, and in a panic and running out of breathe, he proceeds to tell me that he has received a letter from the IRS stating that they are going to levy his bank account and how if this happens, he might not be able to pay his mortgage, yet alone many other monthly financial obligations. After listening attentively and taking notes, I calmly ask him if he is ready to pull his head out of the sand and deal with this matter and if so, he must commit to listening to me from here on out. He then asks, 'that if he does so, will I be able to protect his assets.' I again calmly state that because he contacted me on the day he received this letter, we have plenty of time to prepare our case and 'yes' I will protect his assets from seizure. If there was ever a time I could actually feel fear take a back seat to a breathe of calm composure on the phone, today was the day and in this conversation.

Now, because I have been involved in assisting thousands of individuals and companies that have had past due tax liabilities over the years, I must admit that I am used to this experience, however, being that this individual and I have a mutual friend, I sensed that I now had his attention and that he felt somewhat embarrassed that he did not contact me sooner, but this being said, I enabled him to save face throughout this conversation and in the end calmly told him that I will make certain he gets through this trying time. However, and yes there was a caveat, in order to do so, I requested of him that he remain in regular contact with me and provide me with all that I request of him in a timely fashion so that this problem will soon be a distant memory. I must say that tonight I have the information I requested which will enable me to protect his assets and navigate this individual to stronger financial health.

Jul 30, 2009

Status Quo Is Not an Option

It has happened too many times to count over the past several years, and it happened again. This 'happening' being, when I am out with friends and I meet new people the subject of 'what do you do for a living' is asked and once I reply, in most instances, I get, 'I need to talk to you.' A few weeks ago this happened to me twice and due to this frequency, I thought it would be informative to speak about these occurrences.

From my career perspective of being in the tax resolution business, the obvious aspect of hearing this response is that there are hundreds of thousands of citizens who owe or have owed on past due taxes. What may not be so obvious is that all of these people more or less state the same even though their specific reason for each of them falling behind in their tax obligations differs.

They all state in one way or another that the IRS is making or has made their lives miserable and owing on a past tax and needing tax help was one of the more frustrating, intimidating and frankly annoying issues with which they have ever dealt. I empathize completely with these individuals because we at Clear Creek see this every day, and with each new client that hires our firm, one of the first responses we hear from all of our clients is how happy they are that they now have a representative, and a buffer from the Taxing Authorities.

Moreover, they are relieved that they have a sounding board (Clear Creek) to whom they can voice their frustrations, and for most, they are finally able to take a breathe and get some much needed sleep. This is the aspect of my job that I cherish the most: knowing that we are helping business owners and individuals around the country resolve their past tax issues as I know from speaking with hundreds of clients and hearing the stories of thousands of our clients how a past tax issue can negatively impact one's health, marriage, or other interpersonal relationships.

Hearing that a new client finally got some sleep and is finally able 'to see the light at the end of the tunnel' with respect to their business or family finances is a joy that still delights me. As this was a founding principal of Clear Creek, I am proud to state that even today, our Associates still do all they can to assist our clients through their darkest hours, and work tirelessly for our clients until their issues are finally and formally resolved. Nonetheless, all of our clients make it clear that they wish they had dealt with their tax issues sooner and not ignored the issue, but contacted our firm at a much earlier date.

Getting back to the conversation I had a few weeks ago, one of these individuals made it known that he wanted tax help, and that he wanted to discuss his issues in more detail in different setting, and that he would call me to learn more about how we could help him. After a week and still not hearing from him, I called our mutual friend to check in on my acquaintance, but have yet to hear from him. Our mutual friend made it clear that he would call me, and that he was interested in our services, but up until now, I have still not heard from this person. In many respects, he is making the mistake that many of our newly retained clients make, and that is waiting too long to tackle an issue head-on that is not going to go away, but only growing worse by the day.

With penalties and interest accruing monthly or even daily in many cases, and the threat of asset seizure becoming more certain with each and every passing day that sees no action, I cannot stress the importance of dealing with a tax matter immediately, and not letting it become an even bigger issue or potentially a nightmare situation in the months to come.

So, please do yourself, your business and your family a huge favor and not ignore your tax issue. It will not go away without being proactive. Please also know that Clear Creek is not only one of the best tax resolution firms in the country, it is the only one that truly knows how to deliver peace of mind, one client at a time. We hope to hear from you - today!

Jun 23, 2009

The Merits of Clear Creek vs. Hiring a CPA

I was asked the other day by a potential client why Clear Creek was a better alternative to their company's Certified Public Accountant (CPA) and trusted colleague. As I thought this was a great and legitimate question, I thought I would respond in this format. The most obvious reply is that although CPA's do have training in back tax resolution, their emphasis is in preparing, submitting and reminding their clients of their current tax obligations and considerations depending on the type and size of their business.

CPA's, upon setting out for themselves, rarely desire to pursue tax resolution because their accounting skill set has been rigorously tested in a formal and academic environment and as such, wish to keep current with new tax code specific to tax rules that will affect their clientele. Because tax resolution work is so different, CPA's are rarely abreast on how to negotiate, and deal with Appeals Departments and the overall manner in which best to protect a client and settle their outstanding tax matter. Furthermore, with the ever more complex U.S. Tax Code, they must ensure that the advice they give their clients is correct and not going to cause their professional reputation to be questioned. In other words most CPA's spend their professional time working with complex accounting and regulatory issues that are very different to the work in which Clear Creek specializes. And, as asset protection, and back tax negotiation and resolution is what our firm specializes in, we are simply better positioned to remain current with legislation and trends that best benefit our clients. We remain current with the aforementioned and have on our team an IRS Liaison Officer whose role is to remain current with such federal and state tax legislation so that our team of tax professionals and attorneys know how to best protect our clients, not to mention resolve their outstanding tax issues.

Furthermore, a CPA's role is to keep their clients from having a tax matter in the first place. This being said, we all know that misfortune, health, and other economic or financial issues can cause a company or individual to fall behind in their tax obligations, however, if a tax matter presented itself, there might actually be for lack of better words, a 'conflict of interest' as a CPA's role is to prevent such a calamity from occurring in the first place. And, to then represent a client in such a predicament may suggest to other clients that this is not the best CPA for their tax matters. Personally, I want my accountant to ensure I am not falling behind and am remaining current with my tax obligations and if for some reason something were to happen, I would question his abilities, and certainly not trust him to resolve the tax matter that he may have created or 'let' happen by not being diligent.

At the end of the day, we all now live and operate in a very specialized economy. We all know that there are car mechanic shops, however, it seems as though we have shops that specialize in transmissions, or brakes and alignment, or even diesel engines. I hope my point is understood, and being that many of you who are reading this blog have carved out your own niche and core competencies that enable you to compete in this economy, you understand that to remain competitive, one must specialize. In other words, the economic term of comparative advantage which roughly means one party is more efficient in accomplishing one task over another that specializes in another task, benefits both in that each can hone their specialization which better serves the community at large. Based on this principle, Clear Creek continues to set the standard for professionalism in the tax resolution industry just as a CPA should continue to strive to be the best in their industry which in and of itself has many complicated and specific niches.

I know that I can be longwinded which for better or worse may be my core competency, however, our firm does one thing and we do it very well which has been and continues to be the resolution of tax matters for businesses and individuals. Thanks for reading!

Jun 5, 2009

Going Above and Beyond

This past month I have spent some time with our Associate Attorneys to learn more about the work they have been accomplishing on behalf of our clients. As we all know, these are trying times for many, and the small business owner is not immune to this economic climate. In fact, from what many of our clients are saying, this is the worst economic climate many have seen in their lifetime.

As this is the case, it does, however, bring me great joy to know that Clear Creek is providing great relief to small business owners who trust our firm to represent them with their most pressing financial issues. If you are reading this blog, you are most likely well aware of how a tax lien can cripple your ability to do virtually anything financially until it is removed and resolved. With this in mind it must be noted that some of the more exceptional cases that we have completed this past month for our valued clients has more to do with the culture of our Services Department than with their trained expertise in tax resolution and negotiation. This culture of true sincerity and empathy cannot be and should never be understated. These professional not only work tirelessly to resolve our client's tax issues, they learn what created the financial problem in the first place and work toward creating a resolution that is not simply a 'band aid,' but a resolution to the larger financial problem at hand. In doing so, these dedicated consultants dig deep into a client's case and never settle until they have done all that can be done to assist those that have entrusted to work on their behalf. Because I was blown away with what we had accomplished, I desired to learn more and share some of these stories with you in this format.

In the first case, a railroad signalman in Waynesburg, Pennsylvania hired Clear Creek to manage a liability of over $58,000 owed to the IRS. Our client's wages had been garnished by the IRS for over two years, and he could not make contact with an IRS agent. He was losing as much as $1,000 per month to the IRS, on top of nearly $2,000 of court ordered payments to his ex-wife. He was five months behind on his mortgage, had no credit available, and was on the verge of having both his house and truck repossessed. The Associate assigned to the case spoke to several agents at the IRS and determined that the wage garnishment was improper and must be released. The Associate worked with the IRS and provided financial information and proof that the garnishment was incorrectly applied. The Revenue Agent with whom we finally made contact gave her approval for this designation and forwarded the case to her District Manager for final approval. The Associate is now working to release the lien on our client's 401K so that he can take a hardship withdrawal to catch up on his house and car payments, as well as an innocent spouse claim to protect his ex-wife which will ensure that she can get a low interest rate on a new home loan. Furthermore, we negotiated Status 53 for our client, which puts his remaining liability into an uncollectible status, and he will no longer have hundreds of dollars taken out of each paycheck by the IRS. And, with the 401K lien discharged, he will be able to avoid seizure of his house and truck by the lenders.

In another case, a medical x-ray and imaging company in Boardman, Ohio hired our firm to handle an IRS liability. Although we were successful in our negotiations with the IRS, it came about that our client was paying the company that financed their MRI, and CT equipment roughly $29,000 per month. Because this was crippling their business, the Associate was asked to renegotiate the terms of the contract to lower the monthly payment. This Associate was able to get payments down to $20,000, but the Associate assigned to the case didn't feel that was low enough. She then began to request buyout information from the finance company so the doctor could obtain a loan to buyout the equipment. The figure the finance company came back with was $746,554.19, unless he paid by it off within ten days. If our client was able to obtain a loan by that date, they would drop the amount to $559,915 which was not possible. The Associate was not satisfied with the figure, so she began to negotiate with more tenacity with the finance company. She was able to negotiate the buyout down to $418,237. This is over $328,000 of savings, and the loan does not need to be completed in 10 days, but within 45 days. The Associate also worked with the banks to determine the best rate, and now the doctor's payments to the bank are going to be around $10,000 per month.

The above are examples that I thought illustrated my point that our Associate Attorneys are not only well trained in negotiating tax matters for our clients, but are capable of uncovering what may be other financial issues that need to be addressed and complete these orders of business for them too. Due to this desire or culture in our Services Department of truly desiring to protect our clients and find creative ways to assist our clients, there are several more families and businesses in our great country that are now on more stable ground and positioned for better financial health in the years to come.

Going Above and Beyond

This past month I have spent some time with our Associate Attorneys to learn more about the work they have been accomplishing on behalf of our clients. As we all know, these are trying times for many, and the small business owner is not immune to this economic climate. In fact, from what many of our clients are saying, this is the worst economic climate many have seen in their lifetime. 

As this is the case, it does, however, bring me great joy to know that Clear Creek Consulting is providing great relief to small business owners who trust our firm to represent them with their most pressing financial issues. If you are reading this blog, you are most likely well aware of how a tax lien can cripple your ability to do virtually anything financially until it is removed and resolved. With this in mind it must be noted that some of the more exceptional cases that we have completed this past month for our valued clients has more to do with the culture of our Services Department than with their trained expertise in tax resolution and negotiation. This culture of true sincerity and empathy cannot be and should never be understated. These professional not only work tirelessly to resolve our client’s tax issues, they learn what created the financial problem in the first place and work toward creating a resolution that is not simply a 'band aid,' but a resolution to the larger financial problem at hand. In doing so, these dedicated consultants dig deep into a client’s case and never settle until they have done all that can be done to assist those that have entrusted to work on their behalf. Because I was blown away with what we had accomplished, I desired to learn more and share some of these stories with you in this format. 

In the first case, a railroad signalman in Waynesburg, Pennsylvania hired Clear Creek Consulting to manage a liability of over $58,000 owed to the IRS. Our client’s wages had been garnished by the IRS for over two years, and he could not make contact with an IRS agent. He was losing as much as $1,000 per month to the IRS, on top of nearly $2,000 of court ordered payments to his ex-wife. He was five months behind on his mortgage, had no credit available, and was on the verge of having both his house and truck repossessed. The Associate assigned to the case spoke to several agents at the IRS and determined that the wage garnishment was improper and must be released. The Associate worked with the IRS and provided financial information and proof that the garnishment was incorrectly applied. The Revenue Agent with whom we finally made contact gave her approval for this designation and forwarded the case to her District Manager for final approval. The Associate is now working to release the lien on our client’s 401K so that he can take a hardship withdrawal to catch up on his house and car payments, as well as an innocent spouse claim to protect his ex-wife which will ensure that she can get a low interest rate on a new home loan. Furthermore, we negotiated Status 53 for our client, which puts his remaining liability into an uncollectible status, and he will no longer have hundreds of dollars taken out of each paycheck by the IRS. And, with the 401K lien discharged, he will be able to avoid seizure of his house and truck by the lenders. 

In another case, a medical x-ray and imaging company in Boardman, Ohio hired our firm to handle an IRS liability. Although we were successful in our negotiations with the IRS, it came about that our client was paying the company that financed their MRI, and CT equipment roughly $29,000 per month. Because this was crippling their business, the Associate was asked to renegotiate the terms of the contract to lower the monthly payment. This Associate was able to get payments down to $20,000, but the Associate assigned to the case didn’t feel that was low enough. She then began to request buyout information from the finance company so the doctor could obtain a loan to buyout the equipment. The figure the finance company came back with was $746,554.19, unless he paid by it off within ten days. If our client was able to obtain a loan by that date, they would drop the amount to $559,915 which was not possible. The Associate was not satisfied with the figure, so she began to negotiate with more tenacity with the finance company. She was able to negotiate the buyout down to $418,237. This is over $328,000 of savings, and the loan does not need to be completed in 10 days, but within 45 days. The Associate also worked with the banks to determine the best rate, and now the doctor’s payments to the bank are going to be around $10,000 per month. 

The above are examples that I thought illustrated my point that our Associate Attorneys are not only well trained in negotiating tax matters for our clients, but are capable of uncovering what may be other financial issues that need to be addressed and complete these orders of business for them too. Due to this desire or culture in our Services Department of truly desiring to protect our clients and find creative ways to assist our clients, there are several more families and businesses in our great country that are now on more stable ground and positioned for better financial health in the years to come.

 

May 6, 2009

Educating our Clients

In seeking ideas on topics to write about, I was asked if there may not be a need to discuss tax terms specific to our business that may help our clients better understand the process of resolving past tax liabilities. I thought this was a great topic, however, the list of terms is so lengthy that I decided to take another tact. But, before I dive into that, I do want to make it clear that at one time Clear Creek posted a glossary of terms on our website with one goal in mind. This goal was and still is to educate our clients on terminology that will help them better understand the tax liability resolution process.

With respect to this glossary, we found that our clients did not use this glossary much. Instead, they asked their Associate team for clarification on terms as it was made very clear upon our first contact with our new client that one of our desires that sets us apart from our competition is that we do take pride in educating our clients so that they understand how we are going attack their tax liability in the most efficient manner possible in order to secure the best resolution possible.

We know from experience that business owners and individuals alike want to be empowered when it comes to better understanding their financial situation so that they can make informed decisions to better their long term financial situation. Not only is this true for a specific tax issue, but true for all financial decisions that not only have important ramifications now, but long term implications as well. This being said, we know that to make informed decisions, one has to be engaged in the process, understand the process, and be able to take part or ownership in the process. And, this can only be done if one fully understands the process which begins by being educated in the process.

As you know from your own experience, no matter what field you are in, there are industry specific acronyms with which you and others in your field understand and toss back and forth to not only demonstrate knowledge, but to move a conversation forward. Our industry is no different, other than the fact, we know that many of our clients are overwhelmed by their tax liability and in such a situation, may appear to understand what we are trying to communicate, but may not fully understand the implications or finer details of some of the tax terms that get tossed around in our offices all the time.

To mitigate the assumption that our clients fully understand what we may be discussing, and may feel awkward asking what they perceive is a stupid question, let me be absolutely clear. I ask all of our clients to never hang up the phone until they fully understand the terminology we are using and the direction in which their case is headed. I cannot stress this enough. Again, please do not hang up until you fully understand what we are trying to convey so that you can feel secure knowing that our case management is going to secure the best results possible for you, your family or your business and that you fully understand the prescribed resolution, but the other options as well.

This is also important because we need our clients to participate in the resolution of their tax matter so they feel confident that they know all their options and why we believe a certain direction is in their best interest. If a client does not feel they are headed in the right direction, not only must they contact their associate team immediately, they must understand why we believe that this is the best manner in which to move forward.

So, for purposes of this blog, I am not going to list hundreds of tax terms, form numbers, and other industry acronyms here, but will politely ask that our clients make certain that if they do not completely understand a topic, that they demand clarification from their Associate team. This way, we are empowering our clients to better understand how we are attacking their specific tax issue and how we are moving forward to maximize their desired results.

We look forward to answering your questions!

Apr 18, 2009

The Benefits of Hiring Clear Creek

The other day I was speaking with a potential client on the benefits of hiring our firm verses working on their tax matter themselves. As I thought this was a great question, I will do my best to impart my response as to why one should hire Clear Creek for tax help.

A few points that may be self evident but, nonetheless deserve mentioning are the facts that resolving tax issues before the taxing authorities is all that Clear Creek does. We are not an accounting firm, nor do we deal with any other types of legal matters. Our core competence and mission statement is to resolve past due tax matters for businesses and individuals in the most fair and efficient manner possible. Maintaining such focus enables our firm to do just that. Not only do we have an IRS Liaison Officer at Clear Creek, and several attorneys who only practice before the taxing authorities, as a firm we remain up-to-date and current with all tax laws and how they affect the manner in which we resolve outstanding tax matters.

Another obvious aspect of why it is important to hire our firm is that most small business owners do not have the time to research, and negotiate favorable terms by themselves. Business owners rarely have enough time in the day to manage their business, let alone work to grow their business while maintaining a family and a life outside of their business' needs. We know from experience that running a business necessitates a huge amount of dedication, focus and time which usually means that there is simply not enough hours in the day to also concentrate on a tax matter that is the one issue that should never be ignored as the penalties and interest continue to accrue daily, not to mention the real concern of eventually having your assets seized in a bank levy or wage garnishment. A tax liability is simply too important to ignore.

Once the above is understood, it is important to know that as tax resolution professionals, we know how to package financial information in a manner that will always work toward our client's benefit. In other words, if an individual simply sends financial information to the taxing authorities without knowing the repercussions of such an action, they are most likely immediately hampering their ability from which to negotiate. To use an analogy, one would never show their cards to an opponent and then place a bet. Instead, you make sure that your 'cards' or financial information is portrayed in a manner that is most conducive to attaining the results that you desire before the negotiations begin. At Clear Creek, we understand this process intimately and work to attain results that are best for our clients each and every time.

To expound on this thought, Clear Creek is familiar with the many resolution options each case may have, and because each case is different, our experience guarantees you a personally tailored resolution to match your individual financial constraints. This is important because unless you simply wish to forgo your penalties and interest charges and write the taxing authorities a check to pay off your balance in full, you need to know that you have options. And, unless you hire a professional, you will most likely never know your full range of options and will most likely pay too much in penalties and interest or fail to negotiate repayment terms that match your financial objectives.

Clients also benefit from the immense creativity that our exceptional attorneys demonstrate weekly in their case management. To give some insight into this creativity that saves our clients hundreds of thousands of dollars each month, I ask you to visit our 'Creative Settlement Case Studies' section of our website which will highlight this creativity better than I can explain here. In other words, by researching each of our client's cases in great detail, we are able to ensure that after educating our clients about their many options, we can then guide them in a direction that delivers the most favorable result possible. And, with respect to penalty and interest reduction, when our firm submits a Penalty Abatement, we know how to present our cases in the most favorable light possible and each submittal is supported by legal decisions that bolster each Abatement Narrative. Our library and our proven experience in penalty relief is reason alone to not attempt to represent yourself before the taxing authorities.

Another point that I made in this conversation was that Clear Creek offers peace of mind to each of our clients. I say this because this is a major aspect of what we do. From our experience, we know what a tax liability can do to a business, an individual or a family when the threat of 'enforced collection' is imminent. We know that before clients hire our firm, they are losing sleep because they do not know if their bank account is going to be levied the following day which can be one of the most stressful aspects of accruing a tax liability. On this note, the IRS has awesome tools to force repayment, however, being levied or facing a wage garnishment does not have to be a part of the resolution process. In fact, the first item of business that we complete once we are hired, is to protect our client's assets. We know how to do this and we will do this for you. Again, a tax issue may cause one to lose sleep, but fear of having assets seized will only compound this problem perhaps leading to serious health issues that you or your loved ones simply cannot afford. Not only does your business need you, your family needs you, too and we will protect you throughout our representation.

Another point is the fact that Clear Creek has resolved thousands of cases and has worked with hundreds of IRS Revenue Officers and State Revenue Agents and over the years, we have built a reputation of resolving cases for our clients before the taxing authorities. This may lead you to ask, "How does attaining a solid reputation before the taxing authorities help?" The simple answer to this question, is that our government counterparts know how Clear Creek operates and packages information. And, over time we have earned their respect in the manner in which we resolve tax issues. Not only do we take some of the burden off their plates by communicating frequently with them, our clients are better off as they receive the benefits of the relationships we have nurtured over the years. This relationship enables us great flexibility when dealing with the taxing authorities, and is a relationship from which you will benefit.

In closing, we are witnessing a new trend in resolving tax matters before the IRS which includes putting off repayment until such time a plan of repayment can be formalized. As this is a touchy subject because the IRS wants to get paid in-full today, and we are well versed in how to approach such a touchy subject, we are able to nonetheless use our nation's economic woes to our clients' benefit. This experience could obviously also help many of you. To learn more about obtaining tax help and any other of the mentioned reasons why one should hire Clear Creek, please contact Paul Cherry to learn more at (800) 906-7629. We look forward to hearing from you.

Apr 7, 2009

Tis the Season

Unlike the dates of U. S. holidays with which we are all familiar, April 15th is another such date that we all know, but would categorically never consider a holiday. In fact, April 15th is anything but a holiday and to many this is a date that is synonymous with financial stress.

Now, I could go on and anger many of you that paying taxes is part of our patriotic duty, or necessary to keep America and our communities safe, however, this is not the point of this entry. In fact, the only aspect of this complex issue that I will mention is that regardless of your personal beliefs, or your political views, April 15th has and will most likely always be, the day in which every American must file their personal tax return.

I bring this topic up because like every year, I am asked by clients whether or not it makes sense to file their taxes even though they do not have the means to pay their taxes that are due. To these people, there is only one answer to this question and it is regardless of your ability to pay your taxes, you still must file your tax returns. Now, some tax attorneys could argue that to resolve a specific outstanding tax matter, this may not make sense, however, even in these specific instances, there is always an associated risk for not filing your taxes on time and a penalty will still be added to your outstanding tax balance. So, let me be absolutely clear. File your tax returns on time and reduce unneeded and unnecessary stress from your life.

From a tax consultant perspective, please know that the IRS has awesome tools at their disposable to 'assist' you in remaining current and compliant with your tax obligations. Clear Creek knows this all too well. And in case you missed it the first time I urge you to file your taxes on-time even though you may not be able to pay your current tax obligations. In filing your taxes before the April 15th deadline, you will be avoiding a "Failure to File" penalty that will automatically be assessed to your account. If you or someone you know is finding themselves in this situation, I urge you to contact our offices for immediate tax help and much needed tax consultation.

Many of you may interpret this last point as a sales pitch, however, to protect your assets and be positioned to mitigate this issue from becoming an even larger issue, expert advice is needed even though you may be experiencing a false sense of security as the IRS has yet to contact you. Please know that it may take several months before the IRS contacts you, but know that they will eventually do so. However, if you have communicated with them through a trained professional prior to the IRS contacting you, your chances for negotiating a plan to address this problem is tilted in your favor immensely. This last point is important for two reasons. Firstly, the Failure to File penalty is not only expensive, but it is a penalty that you can avoid by simply filing your taxes by April 15th. Secondly, not communicating with the IRS is very damaging to working out a fair and reasonable resolution with the IRS. By communicating with the IRS, you are in a sense demonstrating good character and positioning yourself for a better negotiated result to your now outstanding tax liability. This being said, if you have a tax problem and are not communicating with the IRS, please know that they have not gone away and they will eventually make your financial life miserable. It is under these circumstances that a tax resolution specialist will become your best ally as you work towards resolving this growing problem.

I realize that if you are reading this entry, the likelihood of you having an existing tax liability is very great. As this is most likely the case, it is never too late to deal with your tax matter as it can only snowball from here if ignored, and the best way to address this matter is through tough negotiation, direct communication and by filing your tax returns on time. I know it may not make you feel any better, but know that you are not the only one filing your taxes by April 15th.

Mar 11, 2009

Better Business Bureau Client Compliment Letter

February 17, 2009

Better Business Bureau
1020 Cherokee St.
Denver, CO 80204

RE: Clear Creek

To Whom It May Concern:

We've all heard horror stories experienced with the Internal Revenue Service. What law abiding citizen doesn't hate the month of April from year to year.

My roller coaster ride began in 2008; working with the years 2002 and 2004. I tried desperately to work on my own with the IRS, but lack of knowledge, jargon and intimidation resulted with me picking a firm randomly which was a big mistake. I hired a firm that took my money but failed to deliver tax relief.

I am happy to inform you of the final results when I hired CLEAR CREEK. This is the best decision I have ever made. They cleared my tax problem after they found that a mistake had been made on a return. Bad input by a trusted tax firm had me owing $28,000 plus including interest and penalties. After all was said and done, I received a zero tax bill and even several thousand dollars returned.

My sanity is back! I cannot express the exceptional client relationship I had with this company, and most importantly with my contact A. F. / Senior Associate. Her work ethic is beyond reproach.

To all who hate to pick up the phone, look through mail because Uncle Sam may be after you, please call Clear Creek located in Westminster and begin your journey - there is light at the end of the tunnel.

Sincerely,

Y. Hanks

Mar 10, 2009

2nd Test Post

This is a 2 test post from Chris High, to determine is new posts appear before old, edited posts get refreshed to php cache. If this doesn't show up immediately, it means the cache doesn't reload itself.

Edit: by default the script "expires" its cache every hour. For the purpose of test posting, I've reduced that to 60 seconds. So within 1 minute of posting, new info should appear on the site.

Coming Soon

Blog content from Clear Creek Consulting will be available soon. This is a post to test communication between Blogger, Feedburner, and the Clear Creek web site.