Thank you for being so actively helpful Morag! I have a rudimentary understanding of all this but Iām struggling to action what I need. Frankly, Iām beside myself with addressing this with the ATO as the debt is big and I have PTSD, so the overwhelm is really bloody immense for me. I was hoping someone may have an actual letter template I could use to start this process⦠I am also curious about how income protection is considered. Iām receiving insurance monies because I am unable to work. So this is my āinsured incomeā for my time and energy that I would have normally exerted. Iām actually willing to pay someone with the know how and experience to sort this with me, if thereās anyone who has been successful in ceasing their āagreementā with the ATOā¦?? God bless and thanks so much