The two most common reasons my clients owe taxes are 1) early retirement withdrawals and 2) self employed person's failure to save money for taxes. Owing the IRS can be stressful. The IRS will become increasingly aggressive as time goes on, and the IRS has collection powers beyond those of normal creditors.
Between the months of January and April, I get dozens of calls from people wondering about a 1099-C they received in the mail. Unfortunately, many people don't understand them and they just ignore them when preparing their taxes. Naturally, that is a big mistake.
If you are trying to improve your credit score, you will find tons of resources available to help. There are books, classes, seminars, online articles, credit counseling, etc. There are local companies, charitable companies, national companies, non-profit companies, etc. It can be overwhelming to know where to turn for help. In some cases, a person just needs to do something as simple as pay their bills on time. But some people require more complicated solutions that only an attorney can provide.