My fiance owes approx 34k to the irs in back taxes. Am I responsible for that if we get married? I was told that if i do not file a joint tax return with him that i am not responsible. Also if we say we are house mates only since the irs looks at total household income and that we can claim both our cars and rent as basic needs, if we show income vs basic needs, that there is no money left over, is it true we can settle with irs for 75 or 80% the value of his car? help??