I hold in my hands a notice from the Internal Revenue Service to a client. At the bottom of the notice is a line that says, "Total Credits" (meaning payments applied to the tax bill), and the client has affixed a post-it that says "Does this mean I get a refund?"
However, the first lines of the notice are this:
"Request for Payment
Our records show that you owe $xxx.xx on your return for the above period."