Bankruptcy can't wipe out taxes. I'd still owe.

The letters said I defaulted on my installment agreement by not filing 2004s in time, so they want $10,294 for 2003 and 2005 within 30 days (plus I'm guessing what I owe for 2004), unless I request Appeals consideration, which I did. I have to file my 2004s by August 31 and then they'll reinstate my installment agreement. If I don't file by then, I have to come up with the entire amount or they'll start investigating my assets - meaning they'd wipe out my bank account like they did to my mom.

So I have until next Thursday to get this taken care of. I still have no idea how I'm going to pay to get them prepared. I've tried finding a used 2004 edition of Turbo Tax with no luck.

I want to tell my boyfriend to run far, far away and don't look back. I'm a financial nightmare. Every time I try to get ahead on debt, something derails my efforts. I'm so tired of this, not having even a speck of light at the end of the tunnel, just a neverending tunnel of debt that keeps getting longer and longer.