I have another quick question. I am scheduled to have a "meeting" with the IRS this week (they initiated our "meeting") because I owe them for having taken $ out of a retirement account early. I owe them about $2,000.00 including interest and penalties, etc. Should I try to reschedule the appointment for a time after I file for chapter 7, or should I go and talk with them before? Will it make a difference? Thanks in advance!