We prepare, review, and file your Federal & State returns
Start with a free consultation and we'll guide you through exactly what to upload, bring, or drop off.
IRS Licensed Enrolled Agents
Past-Due Taxes and Unfiled Returns
Tax Resolution Services help individuals and small business owners catch up on unfiled returns and past due taxes, understand exactly what they owe, and resolve IRS or state tax problems. These services typically include obtaining transcripts, filing missing returns, and setting up affordable payment or settlement options with the IRS.
* Free initial consultation with a licensed tax advisor to assess your needs
Maximize Deductions
We identify every deduction and credit you're entitled to, ensuring you keep more of your money
Year-Round Support
Direct access to your dedicated tax advisor for proactive planning and guidance anytime you need it
IRS Licensed Experts
Enrolled Agents with unlimited practice rights to represent you before the IRS
What are Tax Resolution Services?
Tax Resolution Services focus on getting you fully caught up with the IRS and state tax agencies, even if you have multiple years of unfiled returns or existing tax debt. They are designed to clarify what you owe, correct any mistakes, and put a realistic plan in place so you can move forward without constant worry.
If you're feeling overwhelmed with tax debt, unsure about the amount owed, or anxious about dealing with the IRS, these services give you a clear process and an experienced team to help you with resolving past tax debt issues.
How Mraz Tax Solutions helps with your Past Due Taxes and Unfiled Returns
Dealing with years of unfiled returns or unexpected IRS notices is overwhelming, but you do not have to figure it out alone. As a licensed tax advisor, Mraz Tax Solutions provides the expertise, personalized approach, and comprehensive services you need to resolve past due tax issues and face the future with confidence.
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Available in-person, by phone, email, or online
- Review your situation in detail, including prior filings, IRS letters, and your current finances.
- Obtain IRS transcripts so there are no surprises about what the IRS has on file.
- Prepare and file all missing federal and state returns accurately and efficiently.
- Confirm that IRS balances and penalties are calculated correctly and challenge errors when appropriate.
- Identify and pursue options such as payment plans, penalty relief, Offers in Compromise, or currently-not-collectible status.
- Communicate with the IRS on your behalf so you don't have to handle difficult phone calls or letters alone.
What information do I need to resolve past due taxes?
When dealing with the IRS, especially concerning past due taxes, having the right documentation is critical. Accurate, complete information helps ensure your returns are correct and that you only pay what you truly owe.
Relevant information includes:
- Past tax returns: Records of reported income, deductions, and credits.
- Income documentation: W-2s, 1099s, business income statements, and other proof of earnings.
- Deductions and credits: Receipts, invoices, and records that support your claims.
- Communication with the IRS: Any letters, notices, or official communications received.
- Financial status: Current income, expenses, assets, and liabilities, especially if you are considering a payment plan or Offer in Compromise.
Our team of tax professionals will guide you in collecting and organizing these documents, ensuring a clear and complete presentation to the IRS.
How can a tax professional help with past due taxes?
A qualified tax professional can help you understand exactly what you owe, get compliant with the IRS, and move forward with a plan that fits your budget. At Mraz Tax Solutions, we combine technical tax knowledge with practical, one-on-one guidance.
- Detailed review: We thoroughly review your past returns and IRS records to make sure every detail aligns with current tax laws.
- Affirming the correct amount: Through meticulous cross-referencing with IRS transcripts, we confirm the exact amount due so you neither overpay nor underpay.
- Personalized consultation: We discuss your specific circumstances, address your concerns, and identify opportunities to reduce risk and tax burden.
- Preparing and Filing All Missing Returns: We prepare and electronically file (when permitted) or paper-file prior-year returns, ensuring all legitimate credits and deductions are claimed. Filing these returns often reduces or eliminates the inflated tax shown on substitute returns filed by the IRS.
What strategies can reduce or manage my past due tax debt?
There is rarely just one way to handle past due taxes. We evaluate a range of potential strategies and help you choose the approach that best fits your situation and long-term goals.
- Penalty abatement: If you have a reasonable cause such as illness, natural disaster, or other extenuating circumstances, we can request that the IRS remove certain penalties.
- Statute of limitations review: The IRS generally has ten years to collect tax debts; we review timelines and inform you of any impending expiration dates.
- Bankruptcy considerations: In some situations, bankruptcy may offer relief from tax debts. We help you evaluate whether this is a suitable option and coordinate with your other advisors if needed.
- Innocent spouse relief: If your tax debt arose due to a spouse's or ex-spouse's actions, you may not be liable. We help determine if you qualify and prepare the necessary requests.
What payment options are available if I can't pay in full?
Not everyone can pay their tax debt in one lump sum, and the IRS understands this. We help you explore payment and settlement options that match your financial reality.
- Payment Plans: We assist in setting up a monthly installment agreement so you can pay your tax debt over time and reduce financial strain.
- Offer in Compromise (OIC): In some cases, the IRS may accept a reduced amount to settle your tax debt. We evaluate your eligibility, guide you through the application, and negotiate on your behalf.
Our goal is to replace anxiety with a concrete action plan, so you can get caught up, protect your income and assets, and focus on running your life or business instead of worrying about tax problems.
IRS and State Notices We Commonly Handle
Our firm assists with a wide range of IRS and state tax correspondence, including:
- CP14: Balance Due Notices
- CP501/CP503: Reminder and Intent-to-Levy Notices
- CP2000: Underreported Income Proposals
- Letter 105C: Claim Disallowed or Refund Denied
- CP504: Final Notice of Intent to Levy
- FTB Demand for Tax Return or FTB 4905 Notices (California)
- State garnishment or levy actions
When responding to notices, we cite relevant IRS procedures and communicate directly with the agencies to stop collection activity while your case is under review.
Choose Mraz Tax Solutions to Help with Your Past Due Taxes
We help both individuals and business owners nationwide, using secure online portals and Zoom meetings to make the process straightforward and confidential. Our firm provides:
- Experienced representation before the IRS and state agencies
- Preparation of all delinquent individual and business returns
- Forms 1040, 1065, 1120-S, etc.
- Assistance with transcript retrieval and data reconstruction
- Penalty abatement and installment negotiation
- Guidance on staying compliant to avoid future problems
If you're feeling overwhelmed with tax debt, unsure about the amount owed, or anxious about dealing with the IRS, we're here to guide you through the process.
Our Process
How We Help Resolve Your Past Due Taxes, Unfiled Returns and Manage Your Tax Debt
Our process is straightforward and starts with a free consultation. We evaluate your situation and provide a customized plan to help you manage your tax debt. Here are the steps we follow.
For a free consultation, please contact us today.
Review and Discovery
We begin with a confidential review of your IRS and state tax transcripts to identify exactly which years are unfiled and what balances the agencies have on record. This allows us to confirm whether penalties or substitute returns have been filed.
Reconstructing Income and Deductions
If you're missing W-2s, 1099s, or business income records, we use IRS wage and income transcripts and your available financial statements to accurately reconstruct your income. For self-employed individuals, we help rebuild expense records and depreciation schedules to claim all allowable deductions.
Preparing and Filing All Missing Returns
We prepare and electronically file (when permitted) or paper-file prior-year returns, ensuring all legitimate credits and deductions are claimed. Filing these returns often reduces or eliminates the inflated tax shown on substitute returns filed by the IRS.
Reviewing Penalty Abatement Opportunities
If you have a good compliance history or extenuating circumstances, you may qualify for First-Time Penalty Abatement (FTA) or Reasonable Cause Abatement. We evaluate eligibility and prepare the supporting documentation and correspondence for you.
Setting Up Payment or Resolution Options
Once the true balances are determined, we help you evaluate and pursue the most advantageous resolution strategy (e.g., payment plans, installment agreements, offer in compromise, etc). We also review your current-year estimated payments and withholding to help prevent future balances.
Resolution Strategies
- Installment Agreements under IRC § 6159
- Partial Payment Installment Agreements (PPIA)
- Offer in Compromise (OIC) under IRC § 7122
- Currently Not Collectible (CNC) status
- Penalty Abatement Requests and Lien Withdrawals
Frequently Asked Questions
If you have unfiled tax returns or outstanding balances, it's never too late to start fixing the problem. Each day you delay increases penalties and interest, but professional guidance can stop collections, reduce stress, and often save you money. Contact Mraz Tax Solutions LLC today to discuss your situation confidentially.
What happens if I don't file past due tax returns?
If you don't file past due tax returns, the IRS can file a “substitute for return” on your behalf, assess tax based on limited information, add penalties and interest, and begin collection actions such as liens or levies. Filing voluntarily usually gives you more options and a better outcome.
If I haven't filed in several years, should I wait until the IRS contacts me?
No. The IRS generally requires at least six years of back returns to bring a taxpayer into compliance. Voluntary filing before enforcement begins can reduce penalties and improve your negotiating position.
Can you help if I've received a notice or letter from the IRS?
Yes. We review your IRS notice or letter, explain in plain language what it means, and confirm whether the amount claimed is correct. Then we help you respond by the deadline, file any missing returns, and request a payment plan or other relief so you can address the issue calmly and confidently.
What if the IRS already filed a “Substitute for Return” on my behalf?
We can file a correct original return that replaces the IRS's estimate. In most cases, the corrected filing lowers your tax liability substantially because the IRS substitute return does not include deductions or credits.
Will I go to jail for not filing?
Civil penalties are far more common than criminal prosecution. The IRS typically reserves criminal referrals for willful and egregious cases involving fraud or large-scale evasion. Timely voluntary compliance almost always resolves matters civilly.
How many years can I get refunds for?
You generally have three years from the original due date of the return (including extensions) to claim a refund under IRC § 6511. After that, the refund is forfeited, even if you were owed money.
Can the IRS forgive penalties on past due taxes?
In many cases, the IRS may reduce or remove penalties through penalty abatement if you have a good compliance history or a reasonable cause, such as serious illness or natural disaster. You must file all required returns first, then formally request relief. A tax professional can help you present the strongest case.
Can I settle my tax debt for less than I owe?
Some taxpayers can settle for less through an Offer in Compromise if they can't pay the full amount and don't have assets or income to cover it. The IRS reviews your finances in detail before deciding. We help you evaluate whether you qualify and prepare a realistic, well-documented offer.
How does Mraz Tax Solutions work with clients who have unfiled returns?
We start by pulling your IRS transcripts and gathering any missing documents so we know exactly which years and forms are outstanding. Then we prepare and file all delinquent returns, review balances and penalties, and map out your best options for payment or settlement. Throughout the process, we communicate directly with the IRS for you.
Why file your taxes with Mraz Tax Solutions?
We focus on individual and small business returns, whether you are filing a W-2, reporting 1099 income from the sharing economy, or running your own company.
Our process is designed to minimize your tax burden and secure the maximum refund you are legally entitled to by taking time to understand your situation, your records, and your long-term goals.
Individual & joint returns
Small business & self-employed
Credit & deduction optimization
