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A knock on the door one Saturday morning in 2019 changed Susan and William Frew’s world. A letter carrier delivered an official notice from the Internal Revenue Service, stating that the Frews’ plumbing business, Sunshine Home Services, owed $486,000 in back taxes, penalties and interest. Additionally, Susan, president of the company, was penalized $209,000 for signing inaccurate tax forms. But the bad news didn’t end there. Sunshine Home Services also owed vendors $175,000.Suddenly, the Denver-area company was $1 million in debt, and the Frews were on the verge of losing everything they had built since opening in 2008.INTERNAL THREAT Business owners are
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