Unfiled Returns

Haven't Filed Taxes in Years? Here Is How to Fix It.

Unfiled years feel worse than they usually are. The path back is well worn, and filing your own returns is almost always cheaper than letting the IRS file for you.

The short version. You are far from alone, and the fix is more routine than it feels. The IRS generally wants the last six years filed to consider you compliant. File those returns, then handle any balance with a payment option. The real danger is waiting until the IRS files a substitute return for you, which leaves out your deductions and credits and inflates the bill.

The substitute return trap

When the IRS files for a non filer, it uses only the income reported by third parties and gives little credit for anything that lowers the tax. The result is almost always a much larger bill than you would owe by filing your own return. Filing late is still far better than not filing, and you can do it even after the IRS has started.

How many years

For most people the IRS looks for the last six years of returns to treat you as compliant, though it can ask for more in some cases. Filing those years is usually the move that unlocks payment plans and other relief.

What you can do about it

File first, then deal with any balance. Each step is part of the normal catch up process.

File before the IRS files for you.

Catching up is the cheap moment, before a substitute return inflates the bill. Send your case in for a free review and we will tell you which years to file first.

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The legal basis

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Send the short version of which years you have not filed. We will tell you which to file first and whether to handle it yourself or hand it to a professional.

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