What Could Happen if You Don't File Your Taxes?

March 10, 2026

Tax Tip:



If you're required to file a tax return but don’t, the IRS might step in and file one for you. That’s rarely in your favor. This is called a Substitute for Return (SFR). It usually means the IRS has received some income-related info about you, such as a W-2 from your job or a 1099-INT from your bank, and they’re using that to estimate your taxes.


Before filing an SFR, the IRS will generally try to contact you and encourage you to file the return yourself. But if you don’t respond or file by the extended due date, they might go ahead and prepare the return on your behalf. The catch? An SFR doesn’t include any deductions, credits or exemptions you might qualify for, which can lead to a much higher tax bill.


If you receive a Notice of Deficiency (CP3219N) with the above-mentioned proposed tax bill, don’t ignore it. Contact us with questions. 

This material is generic in nature. Before relying on the material in any important matter, users should note date of publication and carefully evaluate its accuracy, currency, completeness, and relevance for their purposes, and should obtain any appropriate professional advice relevant to their particular circumstances.

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