[Editor's Note: This article was originally published in October 2015, but has been updated most recently as of May 2026 for accuracy and comprehensiveness.]
When you owe multiple creditors, you may find it difficult to keep up on payments and get your accounts paid off in full. Despite your best efforts to pay, your creditors may choose to garnish your wages.
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Receiving a notice from the IRS that you've been selected for an audit is unsettling, but it doesn't have to be. An audit is not an accusation of wrongdoing. In most cases, it's simply the IRS requesting documentation to verify information on your return. How you respond, what you bring, and whether you have professional representation can make a significant difference in the outcome.
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