>> yeah, no, it's true. a lot of people are concerned about that right now. even if you can't pay what you owe right now, it's extremely important to file your return on time to avoid paying a late filing penalty. why pay taxes and then pay a penalty. that pen atty is 5% a month and it will end up costing you much more than the late payment penalty in the end. start by paying as much as you can with your return to help return interest and penalty charges and then you can request to pay the remainder in monthly installments and if you need to do that look for form 9465 and file that with your return. list the amount you propose to pay each month and the irs will let you know if your request is accepted but keep in mind there is a one-time $105 fee for entering into this agreement. the fee is reduced to $50 52 bucks if you make your payment electronically and if you think you can pay it in full, the irs will waive that fee and simply sign up for the online payment agreement instead. the idea here, tony, action is