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I did not file taxes for 2010, the IRS filed a substitute return for me. I started to receive income tax due notices which I ignored, the IRS has now froze my bank accounts. I have about 19 days until my funds are handed over to the IRS. My unemployment benefits has run out,I have no income and due to the levy my savings is $0. Proving financial hardship will be very hard to do since I have no bills in my name, What actions can I take? Do I file a financial statement (form 433F) proving I have no money/income?