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QuestionsFrequently asked questions
If yours is not here, ask — we answer questions before you become a client, not only after.
Getting started
How do I send documents securely?
Upload them to your client dashboard after a one-minute registration, or email them to tax@universaltaxfiler.com. Files are encrypted in transit and at rest, and only your assigned preparer can open them.
Do I have to create an account?
No. The dashboard is optional — plenty of clients simply email their documents and we handle everything from there.
How long does it actually take?
Most straightforward returns are drafted within 24–48 hours of receiving complete documents. Cross-border and business returns typically take three to five business days.
Can you file if I live outside the U.S.?
Yes. A significant share of our clients are abroad. Everything is handled by call, email and digital signature.
Cost and payment
What does it cost, and when do I pay?
You get a flat fee in writing before any work begins. You pay after you have reviewed the draft return and approved it — never before.
Do you charge extra for each state?
No. Multi-state filing is included in the standard band.
What if my situation is more complex than it looked?
We come back with a revised quote before doing the extra work, and you can decline it.
Foreign accounts
I have bank accounts outside the U.S. Do I have to report them?
If the combined highest balance across all foreign accounts passed $10,000 at any point in the year, an FBAR is required even if no tax is owed. Form 8938 may also apply at higher thresholds.
Does a dormant account count?
Yes. Dormant accounts, provident funds, LIC policies and accounts you hold jointly all count toward the threshold.
I have not reported foreign accounts for several years.
There are formal IRS catch-up procedures for non-wilful failures, generally with far lower penalties than being discovered. Come to us before the IRS comes to you.
ITINs
Can I apply for an ITIN without filing a return?
In most cases no — Form W-7 has to accompany the federal return that creates the need for it.
Will a notarised copy of my passport work?
No. The IRS requires the original or a copy certified by the issuing agency.
When does an ITIN expire?
If it has not appeared on a U.S. federal return for three consecutive tax years, it expires and must be renewed.
Problems and prior years
Can you fix a return someone else already filed?
Yes. We prepare amended returns on Form 1040-X for prior years, and we can file back years you missed.
The IRS sent me a letter. What now?
Send us a photo of the notice before you reply to it. Our Enrolled Agents can respond on your behalf, whether or not we prepared the original return.
How long should I keep my tax records?
At least three years from the date you filed. The IRS can examine the books and records supporting anything on a filed return.
I owe more than I can pay.
Instalment agreements, currently-not-collectible status and offers in compromise all exist. Which fits depends on your assets and income, and we will tell you honestly which you are likely to qualify for.