The IRS think is sort of similar but it was very obvious what the trigger was. It didn't trigger a depression but easily could have since financial issues are a huge trigger for me. It did trigger a huge amount of anxiety...through the roof. Luckily I am in a good enough space I was able to deal with it. In spite of the anxiety I spent all day on the computer and phone yesterday figuring it out. The best solution is my sister who is a CPA is going to negotiate and offer in compromise. The IRS told me on the phone that they would not continue to go after me. Today my anxiety is totally gone. If I wasn't doing good on meds my normal reaction would have been to ignore the whole situation out of shame and go hide in bed in a depression.