I am a grandmother on Social Security Disability income raising a grandson. In 2005, H&R Block made a $5K error in computing the tax I owed on a insurance settlement I recieved. Long story short, H&R block paid fines and penalties owed on the unpaid tax, but not the balance owed. The IRS threatened to take my entire SS check until the balance was paid. It took me 3 years to get them to agree to a monthly payment. The IRS can (and will) ruin your life even in my meager exsistence.