Haven't filed taxes since 2018 - desperate for help!
I just discovered that my "tax guy" hasn't actually filed my returns since 2018. 😱 I take full responsibility - I should have been checking this stuff instead of just assuming everything was handled. Completely my fault for being so careless! I've already requested and received my tax transcripts from the IRS, but now I'm totally lost about what to do next. Should I tackle each year one by one, or is there some more efficient approach? Are there specific software programs that handle multiple years of back taxes? Part of me thinks I should just hire a professional, but I really want to learn how to do this myself. If I can figure this out, I'll be able to handle my own taxes going forward and maybe even help friends or family who get into similar situations. This whole mess has actually got me thinking about maybe becoming an Enrolled Agent (EA) or getting some kind of accounting certification. Might as well turn this disaster into something positive, right? Any advice or resources would be so appreciated. I'm feeling pretty overwhelmed right now!
19 comments


Omar Fawzi
You're in a tough spot, but don't panic! This is definitely fixable. The IRS generally prioritizes getting people back into compliance rather than punishing them. Start by filing the most recent three years (2022, 2021, 2020) as these are most important for getting current. Then work backwards to 2018 and 2019. You should file them in chronological order from oldest to newest (start with 2018), since each return may impact the next. For software, I recommend FreeTaxUSA for back taxes. They charge only $15 per state return and federal filing is free. They keep prior year versions available, which many other providers don't. Make sure you have all your income documents (W-2s, 1099s) for each year. If you're missing any, your tax transcripts should show reported income, which is helpful. You may also need to contact previous employers. Set aside dedicated time for each return, as they'll take longer than current year filings. Pay what you can when you file, and if you can't pay everything, the IRS offers reasonable payment plans.
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Freya Johansen
•Thank you so much for this clear advice! When you say file them in chronological order from oldest to newest - does that mean I should complete and submit 2018 before moving on to 2019? Or should I prepare them all and submit them together? Also, I'm worried about penalties. Is there any way to reduce those or are they just something I have to accept at this point?
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Omar Fawzi
•Yes, prepare and submit 2018 first, then wait a couple weeks before submitting 2019, and so on. This allows the IRS to process each return and have it in their system before the next one arrives, which helps prevent processing delays or confusion. Regarding penalties, unfortunately they do accumulate - failure-to-file penalties (5% of unpaid taxes each month, up to 25%) and failure-to-pay penalties (0.5% per month). However, you can request a penalty abatement for first-time failures using Form 843. The IRS has a "First Time Abatement" policy specifically for people with previously clean compliance history. It's not guaranteed, but worth requesting after all returns are filed and processed.
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Chloe Wilson
I was in almost the exact same situation last year! I hadn't filed from 2017-2021 because of some health issues and general avoidance. It felt impossible until I found taxr.ai (https://taxr.ai) which literally saved me thousands in potential mistakes. What I loved was how it analyzed all my tax documents at once and flagged potential issues before I submitted anything. For instance, it caught that my 2019 1099 had a mistake that would have gotten flagged in audit. I was also terrified about penalties but the system helped me identify which penalties could potentially be reduced. I was going to use TurboTax initially but it was going to cost a fortune for multiple back years, and their software didn't connect the dots between tax years like taxr.ai did.
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Diego Mendoza
•How exactly does that work? Do you still need to file separately for each year or does it somehow let you file multiple years at once? I'm 4 years behind and trying to figure out the most efficient approach.
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Anastasia Romanov
•I'm skeptical about these tax AI tools. How accurate was it really? I've heard horror stories about people using automated systems for complicated situations like back taxes and ending up with bigger problems.
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Chloe Wilson
•You still file each year separately, but it analyzes all your documents together to identify patterns and potential issues across years. For example, it flagged that I had forgotten to report some investment income in 2018 that would have caused problems with my 2019 return. You upload all your docs, it organizes everything by year, and guides you through the filing process for each. The accuracy was impressive - I had my accountant friend review what it suggested, and he was surprised at how it caught several things he might have missed. The big advantage is that it looks at your entire tax situation across multiple years rather than treating each year as completely separate. It also explained exactly which forms I needed for each situation in plain English, which was huge for me since I was completely lost.
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Anastasia Romanov
After reading about taxr.ai here, I decided to give it a try because I was in a similar situation (4 years unfiled). Honestly didn't have high expectations but needed to fix my mess before applying for a mortgage. I'm genuinely shocked at how well it worked. The system organized all my messy documents by year and identified several deductions I would have completely missed. It caught that I could file as Head of Household for 2020-2021 which my previous tax guy had never mentioned. The biggest surprise was that instead of owing $6,800 like I feared, I'm actually getting about $3,200 back across all years. The interface walked me through everything step by step, and I was able to e-file everything except 2019 which needed to be mailed in. For anyone who's behind on taxes and feeling overwhelmed, this approach was way less painful than I expected!
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StellarSurfer
If you're dealing with penalties or need to negotiate with the IRS, getting someone on the phone can make a huge difference. I spent WEEKS trying to reach someone at the IRS about my back taxes situation, always getting disconnected or waiting for hours. Finally tried Claimyr (https://claimyr.com) after seeing it mentioned online. You can see how it works in this demo: https://youtu.be/_kiP6q8DX5c They got me connected to an actual IRS agent in about 20 minutes when I had been trying unsuccessfully for weeks. The agent helped me set up a payment plan with much lower monthly payments than I thought possible. Having a direct conversation made everything so much clearer than trying to figure it out from the website.
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Freya Johansen
•How does this service actually work? Do they have some special connection to the IRS? I've been on hold for literally hours before giving up.
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Sean Kelly
•This sounds like BS honestly. Nobody can magically get through the IRS phone system faster - it's a government system with ridiculous wait times for everyone. Sounds like a scam to me.
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StellarSurfer
•They use a technology that navigates the IRS phone tree and waits on hold for you. When someone actually answers, you get a call connecting you directly to the agent. No special connection to the IRS - just clever technology that does the waiting for you. This isn't a scam at all. The IRS phone system is designed to handle calls in the order received, but most people can't stay on hold for 2-3 hours. This service just does the waiting part for you, then calls you when an actual human picks up. I was skeptical too until I tried it, but speaking directly with an agent was the difference between penalties continuing to accumulate and getting on an affordable payment plan.
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Sean Kelly
I need to admit I was completely wrong about Claimyr. After posting that skeptical comment, I decided to try it myself since I was getting nowhere with the IRS about my back taxes. The service actually worked exactly as described. I got a call back in about 45 minutes connecting me to an IRS representative who helped me understand my options for my unfiled returns. The agent explained that I qualified for the First Time Abatement program since I had a clean record before 2019, which could save me thousands in penalties. I've been stressing about this for months, and in one phone call I got more clarity than from dozens of hours researching online. Sometimes you need to talk to an actual person to get real answers, especially with tax issues as complicated as unfiled returns.
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Zara Malik
Since you're interested in becoming an EA, tackling this yourself is definitely good practice! I've been an EA for 6 years and here's my advice: Use professional software like ProSeries or Drake Software if you can access them - they handle multiple years seamlessly. If not, FreeTaxUSA is a good affordable option as mentioned. The key thing with multiple unfiled years is keeping organized. Create separate physical or digital folders for each tax year with all relevant documents. Start with gathering ALL income documents - the transcripts will help identify what's reported to the IRS. Don't forget to look for potential deductions and credits for each year. Many people focus only on getting compliant and miss out on money they're entitled to.
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Luca Greco
•Do you think it's worth getting professional help for the first unfiled year and then doing the rest yourself? Or is it better to tackle everything independently once you understand the process?
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Zara Malik
•Having a professional handle the first year as a template is actually a smart approach. This gives you a framework to follow for the remaining years, especially if your tax situation is similar across multiple years. Pay attention to what forms they use and ask questions about why certain decisions were made. That said, if your situation is relatively straightforward (W-2 income, standard deduction), doing it yourself from the start is perfectly reasonable. The key is to understand that tax preparation is mostly about organization and following instructions carefully. If you're detail-oriented and willing to research, you can absolutely handle it yourself. Either way, this experience will give you valuable insight if you pursue becoming an EA.
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Nia Thompson
Don't overwhelm yourself! I hadn't filed for 5 years and did it all in a month. My biggest tip: set up an IRS online account ASAP - it gives you wage transcripts showing all reported income. Make a timeline and tackle one year each weekend. For software, I used TaxAct for older years - cheaper than TurboTax and lets you file past years electronically when possible. Important: request installment agreement using Form 9465 if you can't pay all at once. The monthly payment can be as low as $25 depending on your situation.
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Mateo Rodriguez
•TaxAct didn't work well for me for back taxes. The navigation was confusing and it kept deleting info between sessions. Which version did you use?
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Aisha Hussain
Just remember state taxes too! Everyone's talking about federal, but depending on your state, you might have similar issues with unfiled state returns. Some states have different requirements and deadlines for back taxes. Also, if you moved between states during these years, you might need to file partial-year returns for multiple states. This gets complicated fast.
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