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Buren St.. Twin F«1U, iodlridiiu, non business. Chapter 7. 1M9 credl-ton, uxu JlOO^iOO to SSOOflOO,Nabili tl es $100,000 to $500,000. Ca|e no. 0K0137.

__S«tnJCeIly Sandenon and An»ria DeAnn Saaderson, S16 N. Six(h.

BeUeyue, indirldual, nonbusineas,_

Chapter 7, MS crediion, ass4ts $100,000 to $500,000. Ilabllitlcs $100,000 to $500,000. Case no. 03-40138.    ;

Conrde OTAun, dolny business u Down Town Counseling/PIay Thrnpy, 3507 E 3100 N, Ktoberty, indlviduaJ, nonbusiness, Chapter 7,

1-15 creditors, assets $100,00010

5500.000.    liabilities $100,000 to $500,000. Case no. 03-40140.

Kraig N. Dahl and Cathy Ann DaM, 727 Del Mar Drive, Twin Palił, individual, nonbusiness, Chapter 7,

1-1S creditors, assets $100,oOO to

5500.000.    liabilities $100.000.to $500,000. Case no. 0340158.

James John Severa, also known as James Seven> and Jim Severa, 750 Maurice St., Twin Falls, individual, nonbusiness, Chapter 7,1&49 creditors, assets ur.der S50.000, liabtlldes $100,000 to SSOO.OOO. Case no. 03-40160.

George Kent Sevcre and Judy Scvcrc, 513 W. 2100 S, Oakley, indi-yidual, nonbusiness, Chapter 7,1649 creditors. assets $100,003 to $500,000, liabilities $100.000 io

5500.000.    Case no. 0340162.

Timmy A. Bohm, also knpwn as

Tim Bohm, and Sharon Lynn Bohm. also known as Sharl Bohrn, 903 Sunrise BlvtL, Twin Falls, indirldual, nonbusiness, Chapter 7. M5 creditors, assets $100.000 to $500,000. lia-bilitścs $100,000 to SSOO.OOO. CaM no. 0340163.

Chapter 7, nonbuslnosa,

$500,000 to $1 mllllon

Miranda Elizabeth Winwyg. doing business as Independent Cart Serviccs, 2S83 Filer Ave. E-, Twin Falls, individual, nonbusiness, Chapter 7. MS creditors, ossóts under SSO.OOO. IlabiUties 5500,000 to SI miiiion. Case no. 0M0136.

Chapter U, buslnm,

$500,000 to SlmllHon .•

Rodcy Mountain ARrcnomics bvc, 1912 W. Main St., Burley, Corporation, business, Chapter 11. 16-49 creditors, assets $500,000 to Sl mil* lion, liabilities SSOO.OOO to Sl mil-lion. Case no. 03-40132.

Chapter 13, nonbusiness, under $50,000

Andy Kcsen Hoffman, 22LOrc£0Q. St.. CoodinR, individuul, nonbusiness. Chapter 13, 100-200 creditors, assets under SSO.OOO, liabilities under $50.000. Case no. 03-40127. .

Kmart

Conthued from Cl .

alleged -Rrossly derelkt^M behav-ior by the managiemem team led

•    by Cnnaway, who resigned last

•    March.

‘Thcrc wcrc probłems Kmart was findinR difficuli to ovcr-como, but this was one piorę straw on ihe cameTs hack that added to the turmoil,** said John Champion. vicc president at the Atlanfu*bascd rctail eon-mtdnis firm Kurt Salmon Associates.

Tlić findinRs of the probe wcrc rclcascd last wcek as part of Kman\ rcorRanization plan filed in fcder.il hankmplcy court.

AccordinR to ihe filinR, Kmart hirctl “untjualified" cxecutivcs .md consultants at pay that far cxcccdcd company norms. Thcy •ilso authorized o $12 million ptirchasc of ncw corporatc air* craft and abused an-already Rcncrous⁹* corporatc aireraft poi* ięy by ^Mmasking (Tersonai iravel

Talk

Ccntlr.ued from Cl

cmployers and the Social Security Administraiion, can also make unauthorized with-drawals.

A: That*s a lot of misinforma-tion to pack into one pjrugraph!

It\ true that the IRS, your employer or the SiKial Security Administraiion has a limited ability to takc money out of your account - csscntiaUy, thcy can takc hack a payment thcy deposited to your account if the deposit was madę in error. Otltcrwisc, thcy caift use the direct deposit system to touch your funds. The IRS has other ways to get at your money if it wams to. It docsn'c nced you to Kign up for dirccTdeposit of your refund.

What direct deposit docs do is speed your refund. poychcck or Social Security payment quickly and safcly to your bank account.

The IRS says 40 million peo-ple uscd direct deposit last year, a 17 perccnt incrcase from the ycar bcforc.

If you'd likc to join ihcm, just

as storo visits.^M

The investigation also found that in the summer of 2001 a farmer senior execucivc directed initiatives that rcsultcd in S850 million in cxcessivc ineentory purchascs without sufficicnt analysis or ovcrsight. That ^Msig-nificantly contributcd" to Kmart's !iquidity crisis in the fali of 2001.

Then in Septcmbcr 2001, top managers stopped or deferred payments to vcndors, and thcy providcd ^%,dcceptivc responses” as to why the vcndors wcron*t getting pa id. .

^MThc mismanagement of funds and the egos of tncse cxccuttvcs madę Kmart^fs probłems rival that of Enmn,¹* the energy giant that collapsed last ycar after massiec accounting manipulation was reiealed, said Walter Loch. who runs his own. rctail consulting firm.

‘The qucstion now is whether fili out‘the appropriatc boxcs on your tax farm with your account number and your bank's routing number (the numcrals on the bottom of your check that pre-ccde.your account number). You don't need to send in a cancclcd check or any other form. If you’rc using tax software to prepare your return, che program will guide you through the process.

Qt As a retłred supemsor with tho Social Security Administrarion, I found the inqulry about the person who hasn^t paid taxcs sińce 1972 so .typical of those pcople who don’t want to givc the govcrn-mcm o dimc but cxpect serviccs and benefits and are outraged when thcy don't get them. Many timesi I spoke to individuais who filed self-employment tnx rerums and couldn't understand why their Social Security bene-fit was so Iow. Thcy might have madc $100,000 a ycar, but they skewed their flgures to pay the least amount of taxes. Don^vt you think the person who didn*: pay this company, oncc it comcs out of hankrtiptcy, can stay out of hankniptcy."

That’5 becausc this alleged roguc hchavior only exaccrbated KmarTs probłems. And now as it trics to cmcrgc from bankruptcy, this adds to the rctailcr’s bur-dens.

It has to rebuild its relation-shipswith its vendors.

It has to rebuild its image among consumers.

It has to rebuild its reputation with investors.

And it has to still fight off Wal-Mart, Target and others. which kccp cating away Kmarfs market share. And it still has to eon-tend with a weak econumy.

Kmart*s road ahead always looked humpy. Now it*s an uphill climb.

.Rnchd Beck is the natkmal business edumnist [or The Associated Press.

taxcs is just another freeloader who deserves nothing l>ut a pos-stblc jail term?

A: As you noto, many would-be freeloaders wind up hurting thcmsclvcs most of all.

In this case, the man stopped paying taxcs to protest the Victnam War. Over the ycars, he worked low-paying jobs. Unlcss hc was working cntircly under the table, his cmployers probably .were withholding taxes from his paychccks - taxes that largcly could have becn refunded to hjm had he filed his returns. Now it*s too latc to claim those refunds for all but the last few ycars.

His bchavior. though regret-labie. doesn't rise to the lcvel of fraud usually reąulred to eam a jail terni.

Qucstions can bc sent to Liz Pulliam Wcston at asklizwcst• on9hotmail.com or mailed to /icr in cane o[ Money Talk. Business $cction, Los Angeles Times, 202 W. First Sr., Los Angeles, CA 90012.