Being self-employed offers freedom and flexibility — but it also comes with the responsibility of paying taxes on your income. If you’ve missed filing your self-employment taxes in previous years, you’re not alone. Many independent contractors, freelancers, and small business owners fall behind due to financial challenges, lack of knowledge, or simple oversight.
The important thing to know is that it’s never too late to get back on track.
Why Self-Employment Taxes Matter
Self-employed individuals don’t just pay income tax. They’re also responsible for self-employment tax, which covers Social Security and Medicare contributions. Missing these filings doesn’t only risk IRS penalties — it can also affect your future benefits.
If taxes go unfiled, the IRS may:
- Add penalties and interest on unpaid amounts.
- File a substitute return on your behalf (often unfavorable).
- Take enforcement actions such as liens, levies, or wage garnishments.
How Many Years Can You File Back?
The IRS generally requires the past six years of tax returns to restore compliance, but in certain situations, they may request more. Even beyond six years, filing can reduce penalties, prove income history, and protect your financial future.
Can Deductions Still Be Claimed?
Yes. One of the biggest mistakes self-employed individuals make is assuming they’ll owe more if they file late. In reality, filing allows you to claim legitimate business deductions such as:
- Home office expenses
- Mileage and vehicle costs
- Equipment and supplies
- Internet, phone, and software expenses
These deductions reduce taxable income and could significantly lower what you owe.
Why Work With a Professional?
Catching up on self-employment taxes is more complex than filing a single return. Income may come from multiple sources, records might be incomplete, and penalties need to be addressed.
That’s where professionals step in. A&C Tax and Business Services, tax preparers based in San Bernardino and Fontana, CA, specialize in helping self-employed individuals file back taxes, reduce penalties, and restore compliance. With secure online tax services, they also serve clients nationwide, making it easy to get expert help no matter where you live.
Steps to Catch Up on Self-Employment Taxes
- Gather Your Records – Collect 1099s, bank statements, and expense receipts.
- Request IRS Transcripts – If documents are missing, transcripts can help fill gaps.
- Separate Personal and Business Expenses – This ensures deductions are maximized.
- File Returns Year by Year – Start with the most recent tax year and work backward.
- Resolve Balances – Explore payment plans or tax resolution services if money is owed.
The Bottom Line
Falling behind on self-employment taxes can feel overwhelming, but it’s never too late to take action. By filing past returns and working with experienced professionals, you can reduce penalties, claim deductions, and avoid future IRS problems.
A&C Tax and Business Services, with offices in San Bernardino and Fontana, CA, and the ability to serve clients nationwide, provide the expertise and support self-employed individuals need to get back on track with confidence.
