@George4Tacks  “ I will be very reasonable, at least with IRS“

 I’ve probably had a dozen of these over the years... They’re all good people who had a problem that they were afraid to address at the time because they didn’t have resources or something.... so they ignored it. When nasty  IRS letters start coming in it just scared them more.... so they ignore it some more... One of my favorite “deadbeats” once said, “l was hiding in plain sight” until a revenue agent taped a letter to his door.  At the end of the day, the $120k tax debt was reduced to about $15k by filling the returns. It was mostly P&I and was manageable. The TPs sense of relief was always a lot more than my fees.