Filing taxes can feel overwhelming, and sometimes, life gets in the way, causing people to miss deadlines. If you have delinquent tax returns—meaning you haven’t filed for one or more years—you’re not alone. However, unfiled tax returns can lead to serious consequences, including penalties, interest, wage garnishments, or even IRS enforcement actions. The good news? You can take control of the situation and get back on track.

What Happens If You Don’t File?

Failing to file your taxes doesn’t mean the IRS forgets about them. In fact, the IRS may:


- File a Substitute for Return (SFR): This means the IRS files a return on your behalf using income information from employers and financial institutions—but without considering deductions or credits you may be entitled to.
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Apply Penalties and Interest: The failure-to-file penalty starts at 5% per month (up to 25%), and additional interest accumulates daily.

- Issue Tax Liens or Wage Garnishments: If the IRS determines you owe taxes, they may take aggressive collection actions, such as garnishing your wages or placing a lien on your property.

Steps to File Delinquent Tax Returns

If you have unfiled tax returns, here’s what you need to do:

1. Let Us Handle the Document Gathering for You
Unlike filing on your own, when you work with OnPoint Tax Relief, CPA, you do not need to immediately gather any documents. We will retrieve all necessary income records and tax documents directly from the IRS to ensure your return is filed with the exact information the IRS has on file for reporting. This eliminates guesswork and ensures accuracy.

2. Trust Us to Determine How Many Years You Need to File
One of the biggest mistakes people make when filing back taxes is assuming they need to file every missing year. It is our job to determine how many years must be filed to be in compliance, and this can save you thousands of dollars in tax liability. If a tax preparer tells you to file *all* back tax returns without a proper compliance check, run out of that office immediately! Filing unnecessary years can lead to excessive tax debt that could have been legally avoided.

3. File as Soon as Possible
The sooner you file, the better. This helps minimize penalties and interest. If you’re owed a refund, you only have three years from the original due date to claim it—after that, the IRS keeps the money.

4. Address Any Tax Debt
If you owe money, explore your options for payment plans, penalty abatement, or an offer in compromise to settle your tax liability.

How OnPoint Tax Relief, CPA Can Help

At OnPoint Tax Relief, CPA with Tracie Lowe, CPA, we specialize in helping individuals and businesses file delinquent returns and resolve IRS issues. Here’s how we assist:

1. Filing Past-Due Returns Accurately
We ensure your tax returns are completed properly, maximizing deductions and credits to reduce your tax liability.

2. Negotiating with the IRS
If you owe money, we work directly with the IRS to set up affordable payment plans or explore options for penalty relief and tax settlements.

3. Preventing IRS Enforcement Actions
By taking proactive steps, we help prevent or stop wage garnishments, tax liens, and bank levies, giving you peace of mind.

Don’t Let Delinquent Tax Returns Hold You Back!

The IRS won’t forget about unfiled tax returns, but you have options to fix the situation before it escalates. Contact OnPoint Tax Relief, CPA with Tracie Lowe,

CPA today for professional guidance and a fresh financial start!


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