If you’re self-employed in Charlotte and haven’t filed taxes in a while, you’re not alone—and you’re not out of options.

Whether you run a freelance business in NoDa, drive for Uber in South End, or operate a service company in Matthews, falling behind on taxes happens. Polaris Tax & Accounting helps self-employed professionals get compliant and avoid IRS collections.

What Happens When You Don’t File

The IRS has a long memory—and a growing interest rate.

Here’s what you may be facing if you haven’t filed in years:

  • Failure-to-file and failure-to-pay penalties

  • Estimated tax bills based on inflated income

  • IRS substitute returns (SFRs) that ignore your deductions

  • Aggressive collections, liens, and bank levies

  • Difficulty getting loans or mortgages

If the IRS files for you, they won’t include your expenses, mileage, or depreciation—resulting in a massively overstated tax bill.

Who Is Considered Self-Employed?

  • Freelancers (writers, designers, developers)

  • Gig workers (Uber, DoorDash, Instacart)

  • Consultants and coaches

  • Real estate agents

  • Tradespeople and subcontractors

  • Single-member LLC owners

  • Anyone receiving 1099-NEC or not receiving a W-2

How We File Your Back Taxes – Even for Multiple Years

  1. Secure IRS Wage & Income Transcripts
    We pull all available 1099s, 1098s, and prior IRS filings for accuracy.

  2. Reconstruct Income & Expenses
    Even without bank statements or QuickBooks, we help piece together what’s needed.

  3. Maximize Business Deductions
    Mileage, home office, phone, tools, health insurance—we make sure you don’t overpay.

  4. Catch Up on All Missing Years
    We help you file 3–6 years of returns in one clean batch (or more if needed).

  5. Negotiate Payment Options
    After filing, we explore IRS payment plans, offers in compromise, or CNC hardship status.

Do You Need to File If You Can’t Pay?

YES. Filing is always better than not filing.

The IRS views non-filers as more serious offenders than those who file and owe. Filing stops the worst penalties and opens the door to relief options.

How Many Years Back Should You File?

The IRS typically requires at least six years of returns to consider you compliant. However, we may start with three years if:

  • You haven’t been contacted yet

  • You don’t owe significant amounts

  • You’re trying to get current to apply for credit or a mortgage

Don’t Try This Alone

Self-employed taxes are complex. Trying to DIY back returns usually results in:

  • Missed deductions

  • Overstated income

  • Red flags that lead to audit risk

At Polaris Tax & Accounting, we’re licensed Enrolled Agents (EAs) who handle back tax cleanups every week—including for freelancers, small business owners, and 1099 workers across Charlotte.

We Help Clients in All Situations

  • No records? We help reconstruct.

  • Multiple years missing? We’ll triage and prioritize.

  • Got a scary IRS letter? We’ll take over communications.

  • Need to stay off the IRS radar? We help you file quietly and strategically.

Call Today to Start Your Cleanup

📞 Polaris Tax & Accounting: 704-947-3178
✅ No lectures. No shame. Just solutions.
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