Jim and Martha received a notice from the IRS indicating that they owe an additional $12,000 for the tax year before last year. They have filed all their returns on time. Since then, they have incurred large medical bills, replaced their car, and had to do considerable maintenance on their house. They have already taken out loans to pay many of these expenses. They might be able to pay a significant part of this tax liability if they could stretch it out over two or three years. What is the best advice you offer to Jim and Martha? Question 40Select one: a. They should request an IRS payment plan. b. They should submit whatever amount they can pay immediately and hope the IRS will accept it. c. They should take out an additional loan from a lending institution for $12,000. d. After an evaluation to determine if the $12,000 is correct, they should consider submitting an offer in compromise to the IRS for the amount they can pay