If you’ve fallen behind on filing your taxes, you’re not alone—and you’re not beyond help. Every year, thousands of Americans find themselves overwhelmed by back taxes. Whether it’s due to financial hardship, disorganization, or simply life getting in the way, unfiled tax returns can quickly snowball into a serious problem.
But here’s the good news: M.A. Rubin CPA, PLLC can help you take back control.
Led by Maari Rubin, CPA, our firm specializes in helping individuals and businesses navigate complex IRS issues—including years of unfiled tax returns—with personalized, professional representation.
Why Filing Is So Important
Filing your tax returns isn’t just a formality—it’s required by law. If you don’t file:
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The IRS may file for you using a Substitute for Return (SFR), which often overstates your tax liability.
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You become ineligible for tax refunds and credits.
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The IRS can initiate collections through liens, levies, and wage garnishments.
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Penalties and interest build up fast, increasing your debt.
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You may lose the ability to discharge tax debt in bankruptcy.
The longer you wait, the more complicated—and costly—the situation becomes.
What the IRS Does When You Don’t File
The IRS doesn’t forget. If you fail to file, they may:
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Send notices demanding payment.
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Create a Substitute for Return based on limited info (no deductions, single status).
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Assess taxes, penalties, and interest.
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Begin collection efforts, including bank levies, property liens, and wage garnishments.
Even if you haven’t filed, the IRS still receives income reports from employers, banks, and other third parties. Chances are, they already have a rough idea of what you owe.
How M.A. Rubin CPA, PLLC Can Help
At M.A. Rubin CPA, PLLC, tax resolution is not a side service—it’s what we do. With over a decade of experience and CPA licenses in multiple states, Maari Rubin provides direct, no-salesperson assistance to people who are ready to resolve their tax issues once and for all.
Here’s how we help:
✅ Return Reconstruction
We retrieve your IRS transcripts and help rebuild your missing tax returns accurately and thoroughly.
✅ Strategic Filing
We focus on getting you compliant with what the IRS requires—usually just the last six years—and avoid unnecessary filings.
✅ Reduce Your Tax Debt
By filing real returns (not inflated IRS estimates), we can often reduce the total you owe—sometimes by tens of thousands of dollars.
✅ Stop IRS Collections
Filing returns and working with a CPA can pause IRS collection efforts and give you room to breathe.
✅ Negotiate the Best Resolution
Whether through an Offer in Compromise, Installment Agreement, or Currently Not Collectible status, we fight for the outcome that makes the most sense for you.
Take the First Step Toward a Fresh Start
Having unfiled returns can feel like a weight on your shoulders—but you don’t have to carry it forever. With expert guidance from M.A. Rubin CPA, PLLC, you can get back on track, reduce your stress, and protect your financial future.
Don’t wait until the IRS takes action. Contact us today for a free consultation, and let’s discuss your options. We’ll listen, evaluate your situation, and build a plan to move forward—with confidence.
Schedule an Appointment Below!
M.A. Rubin CPA, PLLC
Tel: 833-MA-Rubin (627-8246)
Email: Blog@RubinTaxRelief.com
Disclaimer: This blog post is for informational purposes only and does not constitute legal or tax advice. Consult with a qualified professional for specific advice regarding your business.
