government. now they not only owe the past due taxes but they owe penalties and late fees, as well. money they say they don't have, and insurance may not cover. >> we definitely did not have this kind of cash laying around. you know, to pay these taxes a second time. which is basically what we're having to do. >> we did let one employee go that, you know, we just had to really sort of tighten our belt. >> we were looking forward to opening up a new location and then this hit us, you know, blindsided us. >> with thousands of payroll providers around the country, serving an estimated 40% of the private workforce, you'd think there would be direct regulations in place to prevent this kind of thing. >> there's no fdic, there's no governmental agency that regulates this system. and it definitely needs some regulation. >> if your company uses a payroll provider, it's highly unlikely that you will run into this kind of trouble. however, this swindle is far