Quick Summary:
If you’re behind on your tax filings, take a breath—you’re not alone, and you have options. First, gather the income documents you do have (W‑2s, 1099s, etc.). Next, request your IRS transcripts so you can see what information the IRS already has on file. Then, start organizing each tax year one at a time so you can file in the right order and avoid unnecessary stress.
If it’s been a year—or several—since you last filed a tax return, it can feel overwhelming. At Trinity Accounting & Consulting Services here in Chambersburg, PA (proudly serving clients nationwide), we work with people in this situation all the time. The good news: getting caught up is absolutely doable, and the IRS is often more reasonable than people expect. Let’s walk through how to move forward without panic, shame, or confusion.
Step 1: Gather Whatever Documents You Already Have
You don’t need every piece of paper perfectly organized before taking action—just start pulling together what you can. Common items include:
- W‑2s from employers
- 1099s for contract or gig work
- 1099‑INT or 1099‑DIV for bank or investment income
- 1098 forms (mortgage interest, tuition, etc.)
- Business income/expense records if you’re self‑employed
If you’re missing some documents, don’t worry—that’s where IRS transcripts help.
Step 2: Request IRS Transcripts
IRS transcripts show income forms (like W‑2s and 1099s) that were submitted under your SSN. This is extremely helpful when reconstructing past tax years.
You can request transcripts in one of three ways:
- Online: Log in or create an account at IRS.gov to download transcripts instantly.
- By mail: You can request a transcript to be sent to your address on file.
- With help: Trinity Accounting & Consulting Services can securely request transcripts for you as part of our Tax Preparation & Planning services.
Step 3: Understand How the IRS Typically Handles Late Filing
Most people are relieved to learn that the IRS usually prefers that you simply file the missing returns—not punish you. Common IRS approaches include:
- Failure-to-file penalties: These can be reduced or eliminated once returns are submitted.
- Failure-to-pay penalties: These are usually smaller than people expect, and payment plans are often available.
- Substitute returns (SFRs): If the IRS filed a return on your behalf, you’re still allowed to submit your own corrected return—which often lowers the amount owed.
The key is showing the IRS you’re taking steps in the right direction. Filing overdue returns, even slowly, is always better than ignoring the issue.
Step 4: Prioritize Tax Years in the Right Order
The IRS generally requires you to file the most recent six years to be considered “fully compliant,” but your situation may vary. We usually recommend:
- Start with the oldest unfiled year so your financial picture is complete and penalties stop growing.
- Move sequentially through each year to avoid mistakes and ensure carryovers (like depreciation or capital losses) are applied correctly.
- File the current year as soon as possible even if older years still need work—this helps prevent new issues from piling up.
Step 5: Get Support from a Team That Handles Late Returns Every Day
You don’t have to figure this out alone. At Trinity Accounting & Consulting Services, we help clients across Chambersburg, across Pennsylvania, and nationwide catch up on unfiled returns—judgment‑free. Whether you’re one year behind or ten, we’ll walk you through what to gather, what the IRS requires, and how to get everything filed accurately and efficiently.
If you’re ready for friendly, confidential help, learn more about our Tax Preparation & Planning services
or reach out through our Contact page.
Ready to get back on track? Schedule a confidential appointment with our team today—we’re here to make the process easier than you think.