The problem
Unfiled returns don't go away. The IRS can prepare a substitute return for you using only the income it knows about, without the deductions, credits or filing status you're entitled to. That often results in a higher balance than a return you file yourself.
Penalties and interest keep adding up while returns remain unfiled, and refunds from older years can be lost for good if they aren't claimed in time.
Who this is for
- Anyone with one or more years of unfiled federal or state returns
- People who received an IRS letter about a missing return
- Self-employed workers who stopped filing when income became irregular
- Anyone who needs filed returns for a loan, lease, or immigration or aid application
How we help
We request your IRS wage and income transcripts to see what was reported for each year, then combine them with whatever records you have — pay stubs, bank statements, 1099s — to reconstruct each return as accurately as possible.
We prepare and file the missing years, then show you the total picture: refunds, balances, and what options are available if you can't pay in full. Every return is reviewed before filing.
What the process looks like
- 01
Find out what's missing
We pull IRS transcripts to see which years are open and what was reported.
- 02
Reconstruct each year
Your records plus IRS data, organized year by year.
- 03
File the returns
Each year is prepared, reviewed and filed.
- 04
Plan what's next
If there's a balance, we go over payment options with you.
Frequently asked questions
I haven't filed in years. Is it too late?
No. You can file past-due returns at any time, and filing is usually the first step toward resolving the situation. The sooner you file, the sooner penalties stop growing.
I don't have my old W-2s or 1099s.
We can request IRS wage and income transcripts that show what employers and payers reported to the IRS for each year.
Can I still get old refunds?
Refunds generally must be claimed within three years of the original due date of the return. Years older than that may still need to be filed, but the refund may no longer be available.
What if I can't pay what I owe?
File anyway. The IRS offers payment plans for people who can't pay in full, and we can help you request one.