Unfiled Taxes

Forum|Forum|11 months ago
September 17, 2025
2 replies
110 views

Hello,

I have prepared but not yet filed 2024 taxes. For background, I am married and always filed MFJ. For 2024, I prepared my taxes as MFS and it shows that I owe

around $3,000, for which I'd like to apply for an installment agreement. My spouse and I are currently under an installment agreement for taxes owed in previous years filing jointly. Also, I did not apply for an extension. What are my options in this situation?

Ask the Experts - Extension III - Sept 2025

Best answer by user17581364628

You will need to file your 2024 tax return immediately. This will cap the failure-to-file penalty. Make a payment for any amount you can afford. This will reduce the amount of your late-payment penalty. Contact the IRS (1-800-829-1040) or use the online payment agreement tool to arrange an installment agreement. You will need to modify your existing agreement to include the new tax liability. Click here for the link.

user17581364628Answer

Level 5

C_Clark_Esq_LLM_CPA

Alumni - Intuit

In most cases installment agreements can be updated to include tax owed from a more current year. The IRS can allow you to add the new tax balance into the existing payment plan. In fact, the IRS does not allow you to have more than one payment agreement, so to include the current year taxes due, you would need to modify the current agreement. It is important to address this ASAP as you could be in default of your current agrement by not staying current on your furture tax obligations (including the new taxes due for the current year).

There are a couple ways to modify your current agreement:

1. The IRS Online Payment Agreement Tool: https://www.irs.gov/newsroom/irs-self-service-payment-plan-options-fast-easy-and-secure

2. By Phone: https://www.irs.gov/payments/payment-plans-installment-agreements#:~:text=If%20you%20are%20unable%20to%20revise%20an%20existing%20installment%20agreement%20online%2C%20call%20us%20at%20800%2D829%2D1040

3. By Mail: https://www.irs.gov/instructions/i9465

4. In-Person: there are local IRS office that you can make an appointment to visit https://apps.irs.gov/app/office-locator/

As you are now filing separate, but you have a payment plan in place that is joint, it my be beneficial to discuss this with an IRS representative by phone or in-person to figure out how to include these taxes on your separate return to a plan in that past that has included both of you.