2. One way to start is first, you need to reduce your debt in a package called debt reduction. Your credit cards wont be affected, so you have least to worry about but all you need to do is having consultation with specific finance consultant about your accumulating debts. "Dude, will IRS nail me on this package?" No. I never heard such case happening but for safety precaution, why don't you call IRS yourselves.
3. Besides this, there are couple more options where you can ensure your Debt Relief freedom such as debt consolidation, bankrupcy and credit counseling. All these programs are designed specifically for own financial freedom and I really recommended that. Last but not least, it is back to your decision, everybody has great plans that work but if you don't try, it is useless. So act now! You are not only taking this for your own benefits but also for those significant figures around you if anything bad happening.
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