If you haven’t filed your taxes for a few years, you’re not alone. Many New Yorkers fall behind due to life changes, illness, or financial setbacks. The key is to act before the IRS or state steps in — and they will.

What Happens If You Don’t File

Both the IRS and NY State can prepare a Substitute for Return (SFR) using only income documents like W-2s and 1099s. These versions exclude deductions and credits, often leading to inflated balances and penalties.

Once assessed, you could face wage garnishment, bank levies, or tax liens.

Why Filing Now Is Better Than Waiting

Filing voluntarily gives you control over the outcome. It allows you to:

• Recover refunds and credits you may have missed
• Qualify for IRS or NYS payment plans and penalty relief
• Show good-faith compliance, which helps reduce future risk

How Fine & Clear Tax Solutions Can Help

Guy and Annamaria Finocchiaro personally assist each client through the process — from reconstructing records and filing returns to communicating with IRS and NYS agents. You’ll have a dedicated team that understands both systems inside and out.

Don’t wait for a notice to arrive. Contact Fine & Clear Tax Solutions in Uniondale, NY to get compliant and move forward with confidence.