I am afraid my credit & complex tax situation is a death sentence

[Harry Karambizi]

Hi! New to BiggerPockets! I was an airbnb investor for a few years but my financial situation got really complicated. Now, I am in a great financial situation and am looking to start investing again. However, I really need guidance from the BP community in order to get started.

CREDIT:

I personally funded my small food business with my savings and money earned from part-time jobs. After 3 years, I maxed out my 3 credit cards, they eventually closed as well as both my business and my personal bank account. My credit is in the 400s. The business expenses were piling up and I ended up selling my condo and used the money to pay down all of my business equipment financing, pay off business debts, and school tuition. After school, I landed my first job as a web developer. My salary and affordable living is great but my credit is still poor and I only have an online bank account now.

TAXES:

This one is a doozy. I was so underwater, I have not filed my personal tax returns since 2015. I sold a home, used the profit to purchase a condo in cash and pay off my car. My business was barely making enough money to keep afloat and I have not paid Sales & Use to the State of Georgia for 2016 or 2017. I have kept documented records of all of my activity over the past 4 years, including my property sales. Since money from my airbnb was spent on my business, and money from home sale paid off my business debt, I feel like this situation is too complex for TurboTax or a trip to HR Block. Does anyone know how they would approach a situation like this?

At the moment, I imagine that I would most certainly have to work a trustworthy group in and established partnership in order to invest in properties. Has anyone had experience with doing this and using platforms like fundthatflip.com or Groundfloor.US?

Thank you in advance if anyone can help in any way. I'd hate to think that it is impossible to bounce back from the failure like the one I experienced.