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IRS Substitute Returns: What You Didn’t File Could Come Back to Haunt You
Episode Summary
In this episode of Resilience and Resolve, Lance Drury, a seasoned tax attorney based in Missouri, explains what happens when the IRS files a Substitute for Return (SFR) on your behalf — and why ignoring it can lead to serious financial consequences.
Lance shares how SFRs are created, why the numbers are often inaccurate, and how taxpayers can correct or override them by filing their own returns. He also explains the risks of waiting too long, how to prevent levies and wage garnishments, and the steps to take if you discover the IRS has filed one for you.
Key Timestamps
00:00 – What an IRS Substitute for Return (SFR) is and why it’s issued
02:30 – Why SFR numbers are often inflated and inaccurate
04:00 – How filing your own return can override an SFR
06:00 – What happens if you ignore an SFR and don’t file
08:00 – How SFRs can trigger IRS actions like levies and garnishments
10:00 – Why IRS staffing shortages cause delays and inconsistencies
12:00 – Lance’s advice for taxpayers who haven’t filed for several years
About the Show
Resilience and Resolve features Lance Drury, a Missouri-based tax attorney helping individuals and small business owners fight back against the IRS. Each episode covers practical strategies for resolving tax problems, stopping levies and garnishments, and protecting what matters most.
View all episodes
By resilienceandresolveEpisode Summary
In this episode of Resilience and Resolve, Lance Drury, a seasoned tax attorney based in Missouri, explains what happens when the IRS files a Substitute for Return (SFR) on your behalf — and why ignoring it can lead to serious financial consequences.
Lance shares how SFRs are created, why the numbers are often inaccurate, and how taxpayers can correct or override them by filing their own returns. He also explains the risks of waiting too long, how to prevent levies and wage garnishments, and the steps to take if you discover the IRS has filed one for you.
Key Timestamps
00:00 – What an IRS Substitute for Return (SFR) is and why it’s issued
02:30 – Why SFR numbers are often inflated and inaccurate
04:00 – How filing your own return can override an SFR
06:00 – What happens if you ignore an SFR and don’t file
08:00 – How SFRs can trigger IRS actions like levies and garnishments
10:00 – Why IRS staffing shortages cause delays and inconsistencies
12:00 – Lance’s advice for taxpayers who haven’t filed for several years
About the Show
Resilience and Resolve features Lance Drury, a Missouri-based tax attorney helping individuals and small business owners fight back against the IRS. Each episode covers practical strategies for resolving tax problems, stopping levies and garnishments, and protecting what matters most.