Listen up you fucking loser, you haven't paid your loser taxes in a while now and interest has accrued, you'll never get out of this hole you've dug yourself, you're going to have to refinance you home just to keep up with the payments you owe me! I don't wanna hear about your stupid fucking life problems, oh your step-mom is sick? I DON'T CARE! oh your identity was stolen? You wrecked your car? I don't fucking care you idiot, I don't care about you or your stupid fucking life problems! just figure your out or else!