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IRS Tax Strategies for Gambling Addicts

Writer's picture: Lenard de Guzman, EA, NPTILenard de Guzman, EA, NPTI



1. Document Your Addiction

Provide evidence of your diagnosis and treatment efforts. This can include medical records, proof of Gamblers Anonymous attendance, or enrollment in casino self-exclusion programs. This documentation helps the IRS understand that your tax issues stem from a recognized medical condition.


2. Accurately Report Gambling Activity

Keep meticulous records of wins and losses. Report all winnings on your tax return and deduct losses (up to the amount of winnings) on Schedule A. Don't forget to document any cryptocurrency transactions used for online gambling.


3. Explore Payment Options

Consider applying for Currently Not Collectible status if your financial situation is dire. This can temporarily halt collection efforts. Alternatively, look into an Offer in Compromise or set up a payment plan with potentially lower monthly payments.


4. Demonstrate Control

Show the IRS you're taking steps to address both your addiction and tax issues:

  • Enroll in addiction treatment programs

  • Implement financial controls to prevent future gambling

  • Allocate a higher percentage of income for taxes going forward


5. Be Honest and Proactive

Transparency is key when completing Form 433. Misrepresentation can lead to severe consequences. Consider working with a tax professional experienced in gambling-related tax issues, and address any unfiled returns promptly.


Remember, the IRS is more likely to work with taxpayers who demonstrate a genuine effort to address their obligations and underlying issues. By being proactive about your recovery and tax situation, you may secure more favorable terms for resolving your debt.

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