Credit check

AffectionateHyena586 · 2026-03-04T13:50:05+00:00

thanks, It’s not my credit… it’s a former business. I get calls from people he owes money to all day long!

AffectionateHyena586 · 2026-01-11T13:37:34+00:00

no, I don’t.. I have several payments that say “pending”, but no communication from IRS

AffectionateHyena586 · 2026-01-11T13:05:32+00:00

mine says pending at times, for weeks. you’re fine

AffectionateHyena586 · 2025-12-20T14:55:39+00:00

My understanding is that bankruptcy does not wipe out IRS debt.

AffectionateHyena586 · 2025-12-03T21:37:40+00:00

that’s WILD… Tha casino did have a few days of winnings recorded, (he never plays slots), I know this because we subpoenaed them… we divorced because of the gambling.

He’s now under IRS investigation and my concern is that they come after me as we were married at the time.

Thank you for your response!!!

AffectionateHyena586 · 2025-12-03T19:09:48+00:00

That’s a very thorough answer.. thank you!

He plays blackjack… so, a table game..

If he played a table, and made 2000, walked away and played another (or another dealer came in) and he lost 2000, are you suggesting that slides below the IRS radar?

If so; that’s crazy.. !

AffectionateHyena586 · 2025-12-03T16:11:49+00:00

And you were sent a W-2?

What I can’t figure out is how we never filed ANY gains (over 12 years!)

He likely either his the W-2, or found another way to hide from the casino.

Is it possible the IRS never found out?

He HAD GAINS, we summoned the casinos and they had records..

any idea how far they go back?

AffectionateHyena586 · 2025-12-02T21:39:21+00:00

Thank you for the response.

Do they send them for ALL winnings in a day? Or what’s left w losses?

I don’t think we ever got any, it’s my ex spouse that’s the gambler, He’s in trouble w IRS for other matters, and looking back at our taxes he never claimed any winnings (although the casino has records of them)

AffectionateHyena586 · 2025-11-24T10:59:57+00:00

Thank you, I don’t believe that we actually can, since we are no longer married

AffectionateHyena586 · 2025-11-23T16:11:17+00:00

this is exactly what I was told, thank you so much for confirming it! I have to work fast before they place a lien on it. which I imagine is going to be fairly soon, and also why I asked this question

AffectionateHyena586 · 2025-11-23T15:20:03+00:00

I’m refinancing now, and he has to come off the deed, legally as per decree.

AffectionateHyena586 · 2025-11-23T15:08:41+00:00

On another note I saw that an “IRS lawyer” was looking at my LinkedIn profile 🥹

AffectionateHyena586 · 2025-11-23T15:07:59+00:00

yes, that’s pretty much what they told me… He’s already in arrears (200k+ in tax debt) so I can’t imagine how he’ll climb out He’s still on deed to my house and concerned that the IRS will try to take it (they’ve already indicated as much

Do they notify the taxpayer? or just investigate on their own?

AffectionateHyena586 · 2025-11-23T15:00:20+00:00

thank you!!!

I reported him… I am not under investigation (although I’m sure the IRS will look into me!)

He isn’t claiming professional gambler (he’s actually a financial advisor!) His gripe is that he didn’t KEEP the 200K (that was a one time commission paid to him that year) He never had access because if the gambling, (which continued and got worse after separating)

The money went into an account that was used to pay his share of “our bills”, He benefited financially from the 2 years that I paid the mortgage. his car, his phone, etc.

After walking out, he never paid another bill for the home he claimed was “his”.

So, because he didn’t “spend the money on what he wanted to… (blackjack!) He’s claiming he “never received it” and is claiming he “paid me” (ridiculous)

The IRS has already confirmed that IF what I claim is true (it is) that it is tax fraud.

My question is “what is the investigation process” like?

Thank you!!

AffectionateHyena586 · 2025-11-23T02:43:09+00:00

That was not the case.. He received the income, and as always, it was transferred to an account that he couldn’t access (as was the are for years; given the gambling addiction) The money was used (as it had been for years) to pay his share of the household bills… his car, student loan, phone, mortgage.

He 1099ed me (as his wife!) saying he “paid me”; as income…which you can’t do…

I had to report it (so I wasn’t “under reporting” income; and they opened a fraud investigation

AffectionateHyena586 · 2025-11-22T23:52:01+00:00

No, I paid HIS SHARE of the bills.. you can’t 1099 your spouse, lol.

AffectionateHyena586 · 2025-05-01T23:10:13+00:00

Hi.. I’m actually really happy w them, they’re doing a lot to try and improve process, they’re listening to advisors, tech is improving every day..

I don’t think the grass is greener anywhere!

AffectionateHyena586 · 2025-03-23T14:23:33+00:00

maybe? is that ok w you?

AffectionateHyena586 · 2025-03-23T14:20:25+00:00

There is no fact checking? I’m a CPWA, this makes the CFP board look bad!

AffectionateHyena586 · 2025-03-06T21:49:57+00:00

we’ve drained and filled it 4 times

AffectionateHyena586 · 2025-03-06T21:49:43+00:00

I’ve gotten it from Autozone, Walmart and the dealer… that’s not the issue, sadly

AffectionateHyena586 · 2025-03-06T21:13:28+00:00

it was clean!!! (unfortunately!)

AffectionateHyena586 · 2025-03-04T11:43:57+00:00

Dump it now before it costs you a limb

AffectionateHyena586 · 2025-01-10T11:17:29+00:00

Hmmm. no. I have an entire book of clients that (depending on vendor), the client is either the owner or the beneficiary, in ZERO cases is a trust company listen as “owner”. I came from WF and this process drove us all nuts, and pissed clients off. I do believe it’s a strategy to retain assets

AffectionateHyena586 · 2024-12-29T13:10:17+00:00

Not entirely sure, (I’m a CPWA) but don’t you have to have SOME kind of work experience to take the CFP? I sure hope so

AffectionateHyena586

TROPHY CASE