How do I make a W-9 form if I haven't paid taxes in 2 years?

First off, I have ADHD, so my forgetfulness is high. In 2023 I got my first contracting job where I was responsible for paying my own taxes. I didn't know how to do it in 2024, and then I was laid off last October and didn't find work till last week. It's a contract job and they want me to create a W-9 form before they'll pay me, but the billing website says:

Under penalties of perjury, I certify that:

  1. I have included above my correct taxpayer identification number; and

2. I am not subject to backup withholding; and

  1. I am a U.S. citizen or other U.S. person.

If any of the certifications are inaccurate, please consult a tax professional before submitting.

I'm scared to submit the form because I owe taxes for 2023 and 2024, but I've been unemployed for a year and am flat-ass broke. I had $40k saved to pay them, but I spent it when I had no income. I also sold my house and went through the money I made just paying bills and stuff. I'm currently 3 months behind on rent, so my first check is already 95% spent the second I get it.

It sounds like I won't be getting a paycheck until the company has my W-9 form, and I can't create one if I owe taxes, but I can't pay taxes until I make some (big) money. It's a total catch 22.

Posted Oct 2, 2025, 1:49 PM UTC

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