I've seen this many times. A guy or gal has a business idea. It's a great idea and there is a real demand for their product or service. They start out fast and get plenty of business but don't separate the business activities from their personal ones. They use their personal card and checking account to fund their startup. Fast forward 12 months. They are doing really well with more business than they can handle but taxes come due. They take their shoe box full of receip