WalletPop experts tackle your questions, from back taxes to Roth conversions

With many economic experts predicting unemployment staying at 10% through this year and dropping down to about 8% for years to come, it's time many of us get our financial houses in order to better weather the stormy times ahead. Our experts are on hand to help, answering questions about back taxes, bankruptcy and the pros and cons of the ROTH conversion.

Question:
I am looking for the best way to begin resolving back taxes owed to the IRS. It has been over four years. Do I need to find an attorney?
-- Darlene McCreary, 41, Pensacola, FL