Mental excercise- what is the worst thing that can happen? You lose everything and your wife leaves, IRS garnishes what 25% or is garnishment 50% for taxes? ( according to IRS?) Would you be able to live through that. That is what you are afraid of. Face it and answer the question- can you live thru that? Then get mad as a hornet and start speaking to it. My debts are cancelled. Wealth and riches are in my house. I will get thru this, it will not take my marriage. Lay it out to your wife and ask her if she will go thru it with you. Look at the tax section. I believe it was Iamfree2 or someone that used a bill of exchange to satisfy the IRS. Then in the banking section there was some one that used Henry's materials to get rid of some credit cards. keep in mind that it usually takes at least several months for any entity to take legal steps so you have a little time.