That's the kind of "shoot the messenger" response we often get from people who want to be told they are right, and aren't.
I'm puzzled? I am not sure how my last comment was a "shoot the messenger comment". I was simply trying to figure out if the community wanted me around?

I don't believe you will ever get out from under the arrears. The government will wring it out from you bit by bit beyond your dying day when it comes out of your estate before your heirs can inherit anything.
You may be right? My intentions are to fight? If I loose and have to appeal, I will pay and appeal at the same time.
I grew up extremely poor. I am comfortable with only having a bed and a roof. I dont mind living the spartan life style until its payed off.