Last February, I watched Mark, a self-employed contractor from Lakewood, walk into my office with three grocery bags full of crumpled receipts, faded invoices, and bank statements held together with coffee-stained rubber bands. “I’ve been putting this off since January,” he confessed, not making eye contact. “My wife said either I deal with this or she’s filing for divorce.” Four hours and two pots of coffee later, we’d untangled his tax situation, finding nearly $7,400…