File the Last 3-6 Years. Without Fear.
CPA-prepared back returns, penalty abatement, and payment plans
It's never too late to come back into compliance. We handle the gnarly cases — multiple years, missing records, IRS already involved — without judgment.
What Late-Filing Actually Looks Like
If you\'re reading this and putting it off, here\'s the math that should change your mind.
Penalty Math
Failure-to-file is 5%/month, max 25%. On a $10K liability, the penalty hits $2,500 in 5 months. Plus interest (currently 7-8% APR). Filing — even very late — stops the bleeding.
First-Time Abatement
If your last 3 years had no penalty assessments, IRS will wipe the failure-to-file and failure-to-pay penalty for one year on request. We file Form 843 and almost always get FTA approval.
Refunds Are Disappearing
The 3-year refund statute means every year you delay, you lose another year of potential refunds permanently. Most late filers are surprised to learn IRS often owes them money.
The "Fresh Start" Program
IRS expanded penalty relief and streamlined installment agreements for filers under $50K and under $250K balance. We position your case to qualify.
Substitute for Return Risk
If you don\'t file, IRS files for you with the worst possible assumptions. We can replace the SFR with your actual return — usually slashing the liability by 60-90%.
Mortgages + Visas Require It
Buying a house in IE? Lender will want 2 years of returns. Renewing visa or applying for citizenship? USCIS wants returns. Late filing closes those doors. Filing reopens them.
Our Late-Filing Process
No judgment. No drama. Just compliance and forward motion.
Confidential Call
30-min discovery. We figure out years to file and what records exist.
Pull IRS Transcripts
Form 2848 POA. We see exactly what IRS has — every W-2, 1099, prior filings.
Reconstruct Records
For missing receipts/expenses, we use the Cohan rule + reasonable estimates with supporting docs.
File All Years
Returns prepared, reviewed, e-filed (or mailed where required). Federal + CA.
Negotiate Resolution
Installment agreement, OIC, Currently Not Collectible — whichever fits your situation.
Late Filing — Frequently Asked Questions
How many years of returns can I file at once?
Will I get refunds for old years?
How much are the penalties?
Can the IRS file for me?
Do you offer payment plans for the fees?
Ready to Stop Avoiding This?
Free 30-min confidential consult. CPA representation. No judgment.