the 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 a fourth location, then this hit us. you know, it 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 fda, 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'll run into this kind of trouble, however