How can we better manage our debts?

I have been struggling with a chronic illness for some time, and generally been doing pretty well, except that for a variety of reasons it has contributed to my failing to file tax returns. There are several years of missing tax returns, but not contiguously. I am stressed about it and I have seriously thought about calling the IRS and throwing myself on their mercy. I'm not afraid of paying what I owe, but I am afraid of being taken advantage of. I have thought of calling one of several "tax help" companies I have seen advertised on TV, but I am also afraid that they aren't really going to be helpful. Any ideas of what direction to take would be appreciated.

It seems to me that pre-paying the mortgage is a bad idea for these folks, when they have a HELOC to deal with. As far as the car is concerned, wait until the HELOC is paid off. When it is paid off, pay yourself those HELOC payments for six months or more, and if you still feel the need for a new car – buy a used model, but not a new one. You may also find that after six months of paying yourself the HELOC payments, maybe you should just fix up the old car after all, and keep that cash reserve going.

My husband and I have a whole whack of credit card debt. I'm talking about $80,000. We had remodelled our home and my husband's business failed in this slow economy. We have been paying all cards on time and are paying the most we can on the highest interest cards. My question is, do we continue to pay it all off or do we look into these debt consolidation agencies? When do you cut your losses?

i have a credit and i got behind so the credit ca rd company made me a offer so i told them they would have to put it in writing so i got the letter from them but they say any amount greater then $600 dollars would be reported to the . I R S could you tell me why they do that