we can't see the documents for 2017-2019 or have any idea of what your tax liability would be. receiving 1099's for self-employment requires payment of about 15% of net self-employment income for fica and medicare taxes even if taxable income is $0. if you owe taxes for these years interest, failure to file and failure to pay penalties could be substantial. using a pro might be your best option especially if you'll have difficulty paying any balance due. then there is the 2020 return. yes the iRS would likely take any overpayment to cover taxes interest and penalties for prior years but you could still owe and you would need to file the 2020 return. a pro could look over your situation and recommend either a payment plan or trying an offer in compromise, if needed, once they know your full situation.
