First, figure out what you did wrong. Too many people skip this part because it “hurts” but it rears its ugly head again and again.
You gave a business to a bi-polar person and expected it to be run as if they weren’t bi-polar.
You didn’t file taxes because you didn’t want to file taxes. Filing taxes involved doing work, paying money, going to your “feel bad” place and you didn’t want to do that. No other excuse.
If you took IRA withdrawals, you may owe taxes and penalties if you haven’t already paid them.
You know what you need to do so the request is simply a continuation of the stalling.
My wife works for a CPA and I have an accounting degree. Your scenario is VERY common. My wife hears this same story about once a month. The solution is to simply start filling in the data and getting it to a CPA. This is going to cost money. The best thing to do is to put you and your wife into a second job and start piling up money. That may mean delivering pizzas or waiting tables or using a cash register at Target but you are going to need the money. The IRS is very understanding as long as you admit what happened (see above). They just want their money. If you can feed them money early, they are less likely to garnish. They usually only garnish if they think they won’t get paid.
Unless you are retired, don’t take out any more IRA money.
What you want to avoid is the old “I don’t know what happened” excuse . That’s a red flag to the IRS. You don’t want to make excuses, just have a simple explanation. You want to show them they you want this cleaned up as quickly as possible.