Haven't filed taxes since 2010 - How screwed am I with the IRS?
I know I'm gonna get judged hard for this, but I desperately need some guidance here. I've been working good paying jobs continuously since 2010 and haven't filed ANY taxes during that time. Like literally zero tax returns. I've been receiving letters from the IRS for quite a while now and just tossing them aside, but now they've escalated to calling me regularly. **This has to stop.** Can anyone tell me the best approach to address this complete disaster? I'm guessing I need to submit tax returns for all 13 missing years? Is that even possible at this point? Should I be looking for a specific type of accountant to help with this mess? I'm hoping that once all the returns are filed, maybe some potential refunds from certain years might offset what I owe from others, or at least reduce the penalties I'm definitely facing. My situation is pretty straightforward - just W2 income and no dependents. From what little research I've done, it seems like **I need an Enrolled Agent who specializes in Tax Resolution.** Is that right? Any advice would be SO appreciated right now.
18 comments


Dmitry Petrov
Yes, you definitely need to address this situation ASAP, but don't panic completely. The IRS has procedures for people who haven't filed for multiple years. First, yes, you should find an Enrolled Agent who specializes in tax resolution or a CPA with experience handling unfiled returns. They deal with these situations regularly and know how to navigate the process. You'll need to file returns for at least the last 6 years. The IRS generally focuses on the most recent 6 years for unfiled returns, though they technically can go back further. Your tax professional will help determine exactly how many years you need to file for your specific situation. If you were owed refunds from any years more than 3 years ago, you unfortunately can't claim those anymore. But they can still help offset penalties and interest on years where you owed taxes. The good news is that once you start working with the IRS to resolve this, they're usually willing to work with you on payment plans. The worst thing you can do is continue ignoring it.
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StormChaser
•Thank you for the advice! I'm relieved to hear that I might only need to focus on 6 years instead of all 13. Do you have any idea what kind of penalties I might be looking at? And roughly how much an Enrolled Agent might cost for something like this?
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Dmitry Petrov
•The penalties will depend on how much you actually owed each year. The main penalties are failure-to-file (typically 5% of unpaid taxes per month, up to 25%) and failure-to-pay (usually 0.5% per month, up to 25%). Interest also accrues on both the unpaid tax and penalties. Cost for an Enrolled Agent varies widely based on complexity and location, but for multiple years of unfiled returns with W2 income, you might be looking at $2,000-4,000 total. That sounds high, but considering the potential reduction in penalties they can negotiate, it's often worth it. Many tax resolution specialists offer payment plans as well.
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Ava Williams
After going through something similar (though only 4 years behind), I found an amazing resource that really helped me. I used https://taxr.ai to scan all my old W2s and tax documents. The system automatically organized everything by tax year and gave me a clear picture of what I was dealing with before I even met with a tax pro. The best part was when I finally met with an Enrolled Agent, I had everything prepared and organized which saved me a ton in professional fees. It also highlighted some deductions I was eligible for that helped offset some of what I owed. The tool analyzed my specific situation and identified potential areas where I could reduce my tax burden.
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Miguel Castro
•Did you have to scan in all your old W2s yourself? I'm in a similar boat (7 years unfiled) and I'm not even sure where half my documents are. Does it work if you only have partial information?
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Zainab Ibrahim
•How much does the service cost? I'm already looking at thousands in penalties and can't afford to spend more than necessary on tools.
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Ava Williams
•You do need to scan or take photos of whatever tax documents you have, but it worked great even with my partial records. For the missing W2s, I requested wage transcripts directly from the IRS and uploaded those. The system is pretty smart about piecing together incomplete information. The cost wasn't an issue for me compared to what I was facing in penalties. What really mattered was how much it saved me by getting everything organized before meeting with a professional. My EA told me most clients come in with shoeboxes of papers and get charged hourly while the pro sorts through everything. Having it all pre-organized saved me way more than the tool cost.
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Miguel Castro
Just wanted to update - I took the advice about using https://taxr.ai that someone mentioned earlier and it was honestly a game-changer. I was missing a bunch of my documents too, but I was able to request transcripts from the IRS for the missing years and upload those. The system organized everything by year and showed me exactly what income had been reported to the IRS. It even flagged years where I might actually get refunds vs. years I definitely owed money. Was super helpful before meeting with my tax resolution specialist because I walked in knowing exactly what I was dealing with. Saved a ton of time (and money) since the EA didn't have to start from scratch organizing my mess. If you're years behind on taxes like me, definitely check it out before meeting with a professional.
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Connor O'Neill
I was in almost the exact same situation a couple years ago. After ignoring IRS notices for years, they finally put a lien on my bank account which was a complete nightmare. After trying dozens of times to call the IRS directly with no success (would be on hold for 3+ hours then disconnected), I found this service called https://claimyr.com that got me connected to an actual IRS agent in about 20 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c Once I got through to the IRS, they helped me understand my options and set up a temporary hold on collections while I got my returns prepared. This bought me enough time to get everything in order without more aggressive collection actions.
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LunarEclipse
•Wait, how does this actually work? I thought it was impossible to get through to the IRS these days. Are they just sitting on hold for you or something?
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Yara Khalil
•Sounds like a scam. Nobody can magically get through the IRS phone system. They probably just collect your info and never actually connect you.
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Connor O'Neill
•They use a combination of technology and actual people who know exactly when to call and which prompts to use. It's not magic - they're just experts at navigating the IRS phone system. They call, navigate the menu options, wait on hold, and then once they reach a human, they conference you in. It's that simple. No, they aren't collecting your info or anything sketchy. You're connected directly to an official IRS representative, not some third party pretending to be the IRS. I was extremely skeptical too, but when I was facing a bank lien, I was desperate enough to try anything.
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Yara Khalil
I need to apologize and eat my words about Claimyr. After calling the IRS unsuccessfully for TWO WEEKS (getting disconnected after hours on hold each time), I broke down and tried the service I was skeptical about. They actually got me through to an IRS agent in about 18 minutes. I was shocked. The agent confirmed my situation, explained my options, and helped me set up a 120-day hold on collections while I get caught up on filing my back taxes. This single call saved me from potentially having my wages garnished. The IRS agent was actually quite helpful once I could actually speak to a human. If you're ignoring IRS notices like I was, just call them and start the process - they're much more reasonable than I expected.
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Keisha Brown
Former tax preparer here. Just a friendly warning - if you've been getting notifications for YEARS and ignoring them, you may already be in the collections process. At this point, you should: 1) Open and read every single notice you've received 2) Find out if there are any liens or levies already filed against you 3) Get professional help IMMEDIATELY Also, the IRS has something called Substitute for Return (SFR) where they file a return on your behalf if you don't file. These are almost always TERRIBLE for you because they don't include deductions or credits you might be entitled to. If they've done SFRs for you, you'll need to replace those with actual returns.
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StormChaser
•Thanks for the heads up. I was afraid of that. I just checked my credit report and there are no liens showing up yet, so maybe I caught it in time? Would the liens definitely show on my credit report or could they exist without showing up there?
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Keisha Brown
•Tax liens don't always show up on credit reports anymore - the credit bureaus changed their policies a few years back. The absence on your credit report doesn't guarantee there's no lien. You should request an "Account Transcript" from the IRS for each tax year to see exactly where you stand and what actions they've taken. You can request these online through the IRS website if you can create an account, or your tax professional can request them for you with proper authorization. These transcripts will show if they've filed SFRs, assessed penalties, or initiated collection actions.
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Paolo Esposito
I've been watching this thread since I'm in a similar situation (8 years unfiled). Has anyone dealt with the Fresh Start program? I've heard it can help reduce penalties?
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Dmitry Petrov
•The Fresh Start Initiative can definitely help in your situation. It expanded options for installment agreements and offers in compromise. One key benefit is penalty abatement - especially for first-time non-filers. You might qualify to have some penalties reduced or removed entirely.
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