Hello all.
I'm hoping someone can shed some light on some important decisions I need to make.
I filed Chapter 7 Bankruptcy in 8/01 that was discharged in 12/01.
The only things I was not able to discharge were:
$14,000 in state tax liens (Virginia Employer Withholding taxes) and
$10,000 in student loans from the Department of education (currently with a collection agency)
I'm finally in a position to start working on addressing these. I've been able to save a decent sum as well as having a steady income.
The options available to me, as I understand them, are:
1. negotiate payments (do it myself or hire a professional)
2. Offer in Compromise. (I noticed that there are many companies that promise to negotiate a final payment at a fraction of the original amount. Other things I've read indicate that tax liens are non-negotiable.)
I don't know where to turn for good, objective advice.
Should I hire a local attorney who specializes in Bankruptcy and Lien laws;
Hire a national company
negotiate a payment on my own.
Negotiate a settlement amount (at a fraction of the original amount)
Any advice is greatly appreciated. Thanks

