Free · no documents · ranges, never exact figures
I haven't filed correctly. What should I do now?
Start by mapping what is actually missing — returns, FBARs, information forms — and what is not. Then a route is chosen with a professional: late filing, amended returns, late FBARs with a reasonable-cause statement, or a Streamlined procedure. Which one fits depends on where you lived, what was filed, and whether the IRS is already involved.
This assessment builds that map from a few factual questions, opens a dedicated check only where your facts point (funds, a business, a gift or trust), and never decides eligibility for you.
Map your catch-up
Where you lived, what was filed, what you hold, and anything the IRS has sent. No documents, no figures — ranges and "not sure" are fine. The result shows what may be missing, what likely is not, and the routes worth reviewing.
About 4 minutes. Results before any email.
What the assessment looks at
- Who the rules reach
- Your U.S. status, including citizenship by birth abroad.
- Where you lived
- The non-residency test that separates the foreign Streamlined procedure from the domestic one, year by year.
- What was filed
- Returns, whether they were complete, FBARs, Form 8938, earlier Streamlined submissions and amendments.
- What you hold
- Accounts, funds, pensions, businesses, trusts, gifts and rental property — and the local products where you live.
- Contact from the IRS
- Because an examination changes which routes are open.
- How the gap came about
- Facts only. The legal characterisation is left to a professional.
Who it is for
U.S. citizens and green card holders — at home or abroad, including accidental Americans — who have missed returns, FBARs or information forms, or are not sure what was filed.
What it does not do
It does not decide eligibility for any IRS procedure, characterise conduct as non-willful, calculate tax or penalties, or file anything. It maps the situation so the decision is made quickly and correctly.
Preparation · price before you start
If you want the missing years prepared
Which route fits depends on a few facts, not on the balances. These are the common situations and the route the same rules give each one. Nothing is charged until you generate a package or accept a written quote.
Several years unfiled; wages, pensions and bank accounts, no non-US funds
Streamlined Essential · $1,590 · Scoped by hand
Wages, pensions or bank accounts with no non-US funds is the standard catch-up scope: three returns, six FBARs, and the certification package.
Get a scoped quoteWhat arrives, and who files
A Streamlined Foreign Offshore preparation package: up to three delinquent returns and six FBAR years as worksheets mapped to each year's official forms (official PDFs for the current filing year), a document completeness check, the Form 14653 organiser, and filing instructions — one scoped quote, one payment.
You do — the package includes filing instructions for each year. You sign Form 14653 and every return yourself; the certification is yours.
A person at Atamatax checks the result before it is released to you.
The same, with non-US funds or a personal foreign pension
Streamlined Investor · $2,200 · Scoped by hand
The catch-up years include non-US funds or a personal foreign plan, so each back year needs PFIC work as well as the return and the FBAR.
Get a scoped quoteWhat arrives, and who files
You do — the package includes filing instructions for each year. You sign Form 14653 and every return yourself; the certification is yours.
A person at Atamatax checks the result before it is released to you.
The same, with a foreign company, a trust, or more than ten funds
Streamlined Complex · From $2,990 · Scoped by hand
Several unfiled years plus a foreign company, a trust or a large fund portfolio is the hand-scoped tier: the scope is set before any price is quoted, and a company or trust return is prepared by a specialist alongside the personal returns.
Get a scoped quoteWhat arrives, and who files
You do — the package includes filing instructions for each year. You sign Form 14653 and every return yourself; the certification is yours.
A person at Atamatax checks the result before it is released to you.
An IRS examination is open, or willfulness is an open question
Confirm the scope before choosing a package · Free to ask
The IRS has already been in contact. The published catch-up routes close once an examination is open, so the next step is a conversation about representation, not a filing package.
See whether Atamatax can take the caseWhat arrives, and who files
Free to ask. A person reads the facts and says whether Atamatax can take the case, and which route it would be.
A person at Atamatax checks the result before it is released to you.
When a professional's judgment is needed. An open IRS examination, a question about whether the missed years were willful, or an unsettled US status goes to a person before anything is quoted — those decide whether a catch-up procedure is available at all, and nothing should be certified under penalty of perjury until they are answered. Most IRS letters do not close a route; an examination does.
In every route the signatures and the filing stay with you or the accountant you choose; nothing is filed on your behalf. Written questions to hello@atamatax.com get a reply within one business day. Who does what in each route.
Questions people ask
I haven't filed U.S. taxes for years. What should I do first?
Establish which years actually needed a return and which forms were involved, before choosing a route. Income below the filing threshold can mean no return was due for a year; foreign accounts, funds, companies or gifts can add information returns. Then the route — late filing, amended returns, or a Streamlined procedure — is chosen with a professional.
Can I use the Streamlined Foreign Offshore Procedures?
They are for U.S. persons who meet the non-residency test (no U.S. home and 330 full days outside the U.S.) in at least one of the last three years, whose failure was non-willful. A submission includes the most recent 3 years of returns and the most recent 6 years of FBARs. They can be used once, and not by someone under IRS examination or criminal investigation.
Do I need to file old FBARs?
If all your foreign accounts together exceeded $10,000 at any point in a year, an FBAR was due for that year. When the income was reported and only the FBARs are missing, they are filed late with the reason and a reasonable-cause statement. The IRS withdrew its published Delinquent FBAR Submission Procedures page on July 1, 2026; the examiner standard in IRM 4.26.16 is unchanged.
Do you ask whether I was non-willful?
No. Non-willfulness is a legal characterisation certified under penalty of perjury. The assessment asks what happened — whether you knew about the requirement, whether someone handled it — and leaves the characterisation to a professional.
The IRS has already contacted me. Can I still use this?
Yes, but the result changes. Most letters do not close any route; an examination or investigation does, and then the right first step is a tax attorney — the assessment says so instead of suggesting a do-it-yourself procedure.