I don't have my tax returns. Can I keep going?

Most Upsolvers need to include their past two years of tax returns or official IRS tax transcripts to use Upsolve's free tool. 

If you were required to file a tax return and you didn't, you'll need to file your returns (for the last two years) before you can file your Chapter 7 case with Upsolve. Upsolve requires this because the bankruptcy trustee overseeing your case will look at your past two years of returns.

If you made less than the IRS income minimums or you didn't have taxable income, you may not be required to file tax returns with the IRS. In that case, you can use Upsolve's tools without uploading your tax returns. Simply choose the reason you didn't file from the drop down menu in your Upsolve account in the tax return section.

If you aren't sure if you were required to file a return or not, you can take this online quiz from the IRS to find out.

If you were required to file returns and you don't have a copy of your tax forms, you can access a free tax transcript from the IRS website. Download the transcript as a PDF from the IRS site, and upload it to your Upsolve account. The IRS has several download options, which can be confusing. The one you need will say FORM 1040 TAX RETURN TRANSCRIPT at the top.