I'm sure you have all heard the ads on the TV or radio about people that have been thousands of dollars in debt to the IRS and such and such firm came to their rescue and negotiated with the IRS for pennies on the dollar. This can certainly happen but not everyone qualifies and these firms charge thousands of dollars to go through the process for their clients. Sometimes the client would be better off saving those thousands of dollars and paying the money to the IRS as tax pa