Is the IRS so difficult to work with, such that one can't have a down to earth discussion, where I would tell them, "Look, I don't have home equity, I already sold my foreign plated car - and only car - to raise funds to pay my debt to you, my current income is pretty much right around what you compute as part of your OIC calculator in terms of allowable expenses, so really nothing to seize there, which leaves me with mutual fund assets, which your OIC calculator indeed shows as the assets that would be used in the offer estimation. So since we already know me paying the debt in the OIC payment timeframe amounts to me tapping into Roth IRA assets, just let me take the money from there now penalty free, as opposed to me purposely waiting for balance due notices, ignoring them to trigger your levy machinery. And thanks for allowing such a rare miracle of a penalty free action."
How odd that achieving the penalty waiver amounts to this oddly probabilistic approach of levying the very asset that my OIC would be contingent on. So if IRS approves my OIC, they would force me to take a 10% penalty?
