You're bound to the Federal reserve with the issuance of a social security number. You have to pay them unfortunately. The only way to buck the IRS is to do it in mass numbers, which will be very hard to organize. I'm disabled too but I know for a fact it's a lot easier to keep them off your back doing the best you can. I would just seek out assistance with a tax specialist/attorney. See if you can get a free consult, and tell them everything you can.