1. No, it's not critical to file the amended return prior to April 15, but the sooner the better. Have you considered having someone do it for you if you are not well?
2. Generally, the IRS penalty equals 6 percent of your excess contributions. It applies to all years the excess remains.
3. The only thing I can suggest is being very persistent and sending them certified letters to let them know you are looking into the situation.
4. Your state Department of Finance may be able to help.
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