is it possible to file bk if i never filed taxes?

[anuta]

Paying state or federal taxes on incoming goods or services (invoices) or any other taxes involved is not the same as paying payroll taxes.

Very true--thanks for making that clear.

[Ifonly]

Flamingo spelled out the point I was trying to make extremely well. The starting place on your tax return is gross income, which is documented by your W-2. If you are an independent contractor, you receive a 1099 from the individual/business who contracted you.

The employer must submit these forms to the SSA and trust me, they tie them together. The IRS may not be up on auditing/reviewing regular individual tax returns; however, the SSA and the IRS compare totals via computer on employer's 941's (payroll tax returns) and the W-2's and 1099's issued at the end of the tax year.

I took over for another controller once who made a math mistake in totaling these forms and the SSA sent a penalty letter within two months of the filing.

The problem is not that the OP didn't file her taxes. The problem is WHY she didn't file and the best way to handle that problem with as little penalty to her parents and their business as possible.

As a CPA, I'm advising that the OP NEEDS a CPA. I would not trust a student doing volunteer taxes (I did that in college) or HR Block or Jackson-Hewitt, etc. JMHO.

[anuta]

Flamingo spelled out the point I was trying to make extremely well. The starting place on your tax return is gross income, which is documented by your W-2. If you are an independent contractor, you receive a 1099 from the individual/business who contracted you.

The employer must submit these forms to the SSA and trust me, they tie them together. The IRS may not be up on auditing/reviewing regular individual tax returns; however, the SSA and the IRS compare totals via computer on employer's 941's (payroll tax returns) and the W-2's and 1099's issued at the end of the tax year.

I took over for another controller once who made a math mistake in totaling these forms and the SSA sent a penalty letter within two months of the filing.

The problem is not that the OP didn't file her taxes. The problem is WHY she didn't file and the best way to handle that problem with as little penalty to her parents and their business as possible.

As a CPA, I'm advising that the OP NEEDS a CPA. I would not trust a student doing volunteer taxes (I did that in college) or HR Block or Jackson-Hewitt, etc. JMHO.

I wouldn't trust a student to do my taxes either. The volunteer that I went to was a retired CPA. The whole tax assistance was underwritten by AARP and working as volunteers were several retired CPA's and retired tax lawyers. They just used the community college as a resource to serve many people. It was all free to the public. They probably did have less experienced people volunteering, but all of them had to go through training. There were several supervisors there to help with the hard questions. As far as H&R Block--I would never use them again--really messed up the returns with NOLs. I would rather use a volunteer student

My main thought in responding was that often when one is considering BK, there is not a lot of money around to spend on CPAs or tax lawyers. Perhaps I was just lucky that the tax volunteers that were and are availbe to me were so experienced. It was just a thought on using some of the resources that are available in many communities. I had more skilled people working on my late returns than I ever had with H & R Block. I would never have been able to afford the level of skill that I was offered by the volunteers.

[Kansas1960]

I would consider getting a job and start paying taxes and show a steady income and try to make the credit card payments for one year at least the minimums and don't charge anymore. After 1 year of minimum payments and a job it is unlikely the CC companies will say you were fraudulent. If you still need to file at that time then you could do it. Start paying taxes since this would be your "first" job you would not need to show any further tax returns. Credit card companies try to get students to take on credit all the time so it is not too unusual to have CC debt if you are a student with no or little income. If you open up the can of worms with past taxes, that might cost you nearly what you owe right now for you and your parents. Consider the work you did for them house chores in your mind and you were a dependent and your parents were supporting you.