We have a substantial amount of tax debt that is burying us financially…we are making payments but we also need a new car. There is a lien on our home so we are unable to get either a consolidation loan or a loan for the car…we both work and so having two cars is non-negotiable. Does anyone know if it’s worth if to file an OIC on our own…or should we hire a tax attorney?

2001 taxes not paid. X wife did not file. H&R Block processed taxes. X wife did not send them in. During this time was having bladder and prostate removed due to cancer. Taxes were the last thing on my mind. Have in the mean time, divorced, the then wife and am strapped with $40K worth of IRS debt. Interest is compounding. How in a lifetime could anyone ever pay this debt off? Do I have to refinance my house to eliminate this debt? Can I fight this on my own without the help of any firm th