Quote Quoting southernbelle1
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since I was listed as owner they of course want to collect from me (also I am an easier target and my ex has nothing and lives like a gypsy).
Well, if you were the owner then you had a responsibility to turn over the taxes withheld from your employees to the IRS. Did you file a police report for the theft?

Anyone have any experiences with OIC's and are willing to share their stories? Thanks for any help you can give.
Yes. I do not handle them unless I believe there is a strong liklihood that the IRS will compromise. There are many people who advertise their services who make a business out of charging people to file OIC claims that have zero chance of being accepted. You are astute to beware of this kind of thing because you will be asked to pay for your representative's services in advance.

You are also correct in evaluating how the IRS will view your ability to pay. You have not said what the size of your family is but the IRS will determine your ability to pay based on that, your income, your assumed living expenses as defined by them, and your other resources. If they believe you can service the debt with a payment plan and that they will eventually collect then they will not compromise. You have a large number, and there is a possibility that the IRS would compromise with you but it is not likely to be "pennies on the dollar" but perhaps $.50 cents on the dollar on a long term payment plan. Just get more than one opinion before you pay anyone. I'd say at least three, and don't go to any of the firms that advertise nationally. None of them are likely to tell you that you have no chance of success.