If you’ve fallen behind on filing your tax returns, you’re not alone. Every year, thousands of taxpayers in South Florida—especially in Plantation and Tamarac—miss a year (or several). Whether it’s due to illness, divorce, lost documents, or just life getting in the way, the IRS doesn’t care why you didn’t file—they just want their money. But here’s the good news: help is available, and it’s closer than you think.

At Polaris Tax & Accounting, we specialize in helping individuals and small business owners file back taxes, avoid penalties, and get back in good standing with the IRS. This guide will walk you through what to expect, why it’s important to act now, and how to find the right help near you.

Why You Need to File Back Taxes—Now

Ignoring unfiled tax returns can trigger a cascade of problems:

  • IRS Substitute Returns (SFRs): The IRS may file a return on your behalf, often overstating your tax due and omitting deductions.
  • Loss of Refunds: You only have three years to claim a refund.
  • Penalty & Interest: These rack up monthly and can double your original tax bill.
  • Enforcement Actions: Think liens, levies, and wage garnishments.
  • Future Problems: You can’t get on an IRS payment plan or apply for relief programs until all returns are filed.

Filing now can prevent or stop enforcement and open the door to resolution options.

What Happens If You Don’t File?

Let’s say you haven’t filed since 2019. Here’s what could happen:

  • The IRS files SFRs for 2019–2022, showing inflated balances.
  • You receive a CP504 notice demanding payment.
  • Your wages are garnished, or a bank levy is issued.

These are not idle threats. We’ve seen local residents in Plantation and Tamarac get blindsided by enforcement after years of silence. If you received one of these notices, the clock is ticking.

How Many Years Do You Need to File?

The IRS typically requires six years of tax returns to be considered compliant, although this can vary depending on your situation. If you’re self-employed, the rules may be stricter, especially if 1099s or business income were involved.

We’ll help you:

  • Pull wage and income transcripts
  • Reconstruct missing records
  • Identify deductions you’re still entitled to

What If You Owe More Than You Can Pay?

Don’t panic. Filing is the first step, but after that, you may qualify for:

  • Installment Agreements
  • Currently Not Collectible Status (CNC)
  • Offer in Compromise (settlement)
  • Penalty abatement

The sooner you file, the more options you have.

What to Expect When You Work With Polaris

Here’s how we make back tax cleanup as stress-free as possible:

1. Free Initial Call – We listen, ask the right questions, and explain the process.

2. Secure Document Gathering – We request IRS transcripts and build a full compliance roadmap.

3. Tax Preparation – We file all missing returns and ensure deductions are maximized.

4. Resolution Strategy – Once filed, we determine the best IRS resolution plan based on your finances.

5. Ongoing Support – We communicate with the IRS on your behalf and keep you in the loop every step of the way.

Why Choose a Local Back Tax Expert Near You?

There are national tax relief mills that promise the world but often outsource your file to a call center. When you work with Polaris, you’re working with a local tax professional who actually understands the IRS—and your zip code.

Whether you’re in Plantation, Tamarac, Davie, or Fort Lauderdale, our team is available to meet by phone, Zoom, or in person. We’re not just trying to sell you a payment plan—we’re helping you protect your financial future.

Ready to Get Started?

Don’t wait for the IRS to knock on your door. If you’re searching for help with filing back taxes near you, Polaris is ready to step in. Schedule a confidential consultation and let us guide you back into compliance—with confidence.

Schedule a Consultation

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