Large Tax Debt and Bankruptcy

I was retained by clients who had a very large IRS income tax debt along with a large amount of other debt. They were convinced that bankruptcy was the option to pursue, but they had an income of 135k annually – so income was a problem to file a Chapter 7.  They would be forced into a Chapter 13 bankrutpcy.  Many attorneys would take their money, file the bankruptcy and not explain that if they waited 18 months to file, then all of their IRS debt would be able to be discharged in a Chapter 7, if their income was lower.  I explained the situation to the clients only to find out that they had been wanting to retire but never thought it would be possible given their IRS debt.  I then explained that if they planned to retire at the point when the debt with the IRS was seasoned to the point of discharge, then they could file a Chapter 7 bankruptcy and discharge the entire amount, without paying it back to the IRS.  It is the rules that determine whether these debts should be dealt with in the IRS or would it be better to deal with in bankruptcy court.  At some point the IRS is just not willing to work with taxpayers and we have to look to bankruptcy law to get away from the ridiculous collection actions of the IRS.  We use any and all legal means to allow our clients to get out from under the debts of the IRS. 810-245-0813