Behind on filing? We'll get you current.
One missed year turns into three faster than anyone expects. We file past-due returns going back to 2018, reconstruct records you no longer have, and stop the penalty clock — without lectures.
How catch-up filing works
Pull your IRS record
We request wage, income, and account transcripts so we can see exactly which years are open and what the IRS already has on file for you.
Rebuild the missing years
Lost W-2s, 1099s, and business records are reconstructed from transcripts, bank data, and whatever you still have. Missing paperwork is not a blocker.
File oldest to newest
Returns are prepared in sequence so carryforwards, credits, and estimated payments land in the right year instead of triggering new notices.
Settle what's left
If the finished returns leave a balance, we move straight into a payment plan, penalty abatement request, or offer analysis.
Four facts that change the math.
- Three-year refund window
- A refund is generally forfeited if the return is filed more than three years after its original due date. Older years may still need filing — they just won't pay you back.
- Substitute returns
- If the IRS filed for you, it used no deductions, no dependents, and no basis. Filing your own return almost always lowers the assessment.
- Six years is the usual bar
- IRS collection practice generally treats six years of filed returns as compliance for arranging a payment plan or resolution.
- Penalties compound
- Failure-to-file penalties run faster than failure-to-pay. Filing, even without paying, is the single cheapest step you can take today.
Bring us the years you'd rather not think about.
Every catch-up engagement starts with a private review of your IRS transcripts, so you know the full picture before you commit to anything.
Filing outcomes, refunds, and penalty relief depend on your facts and on IRS determinations. Nothing on this page is a guarantee of a specific result.