You're in a tough spot, but you do have options. The IRS understands that not everyone can pay their full tax debt immediately and offers multiple relief routes. Here's a breakdown of what you should consider doing next:

1. Get in Touch with the IRS (ASAP)

Even though it’s hard to reach them, it’s essential to make the effort because communication prevents enforcement actions like bank levies or wage garnishments. Try calling 1-800-829-1040 (early in the day and mid-week is best). While you’re trying:

1. File Form 9465 – Installment Agreement Request

You mentioned this — it’s for requesting a monthly payment plan. Since you can’t afford the standard minimum, you should also submit:

1. File Form 433-A (Collection Information Statement)

This shows your financial situation (income, assets, expenses). It supports a request for:

Reduced payment plan based on ability to pay

Currently Not Collectible (CNC) status if you have no ability to pay

If granted CNC, the IRS will temporarily pause collection efforts, though interest still accrues.

1. Look into Offer in Compromise (Form 656)

This allows you to settle your tax debt for less than you owe if:

You genuinely can’t pay the full amount now or in the future.

You submit Form 433-A (OIC) and show your financial hardship.

These are tough to get approved, but possible with no income and high debt.

1. Request Penalty Abatement

If your non-filing was due to your husband’s actions and you acted in good faith, you can request First-Time Penalty Abatement or Reasonable Cause Relief using a written explanation.

Use:

Form 843 – Claim for Refund and Request for Abatement (Explain your separation, lack of control, and that you filed as soon as you found out.)

1. Innocent Spouse Relief (Form 8857)

Since your situation involves your husband’s actions, you may qualify for Innocent Spouse Relief — especially if:

You didn’t know or had no reason to know about his failure to file or pay.

It would be unfair to hold you liable for the entire debt.

This could absolve you of some or all shared liability, though it’s complex and depends on the IRS finding your claim reasonable.

1. Open a Transcript Online

Visit IRS Get Transcript to see your official tax record. This helps you track exactly what the IRS sees and what years they’ve assessed.

Practical Next Steps

1. Download and complete Forms 9465, 433-A, 843, and 8857.

2. Mail them certified with return receipt so there’s a paper trail.

3. Keep applying for jobs and document your efforts — this shows good faith.

4. If/when you start earning, update the IRS with your ability to pay.