Receiving a letter from the IRS is stressful, but most notices are routine and many can be resolved with a clear, timely response. The worst thing you can do is ignore it. Here is a practical way to approach it.
1. Do not panic, and do not ignore it
Notices exist for many reasons: a math correction, a mismatch between your return and reported income, a request for more information, a balance due, or simply an update to your account. Each notice has a response deadline, and missing it can limit your options.
2. Confirm it is genuine
The IRS generally makes first contact by postal mail. It does not initiate contact by email, text message, or social media asking for personal or financial information. Be cautious of anything unexpected that asks for payment by gift card, wire, or cryptocurrency. If something seems off, verify through official IRS channels before responding.
3. Read it carefully and identify the key facts
- Notice number and tax year. Usually in the top corner.
- What the IRS says is wrong or needed. A change to your return, a missing document, or a balance.
- The amount, if any, and how it was calculated.
- The response deadline. Mark it on your calendar.
- How to respond. By mail, by phone, or online.
4. Compare it with your records
Pull the return for the year in question and the forms you received (W-2, 1099, 1098, and so on). Often the issue is a form that was left off, a number that does not match, or a payment that was not credited. Sometimes the IRS is correct and you will want to agree; sometimes the notice is wrong and you should respond with documentation.
5. Respond on time, in writing when appropriate
- Follow the instructions on the notice.
- Keep your response factual and concise, and include copies, never originals, of supporting documents.
- Send mail by a trackable method and keep proof of delivery.
- Keep a copy of everything you send.
6. If you owe money
If the amount is correct, address it promptly. Interest and penalties can continue to grow. The IRS offers payment options for those who cannot pay in full immediately, and acting early generally gives you more choices.
7. Know when to ask for help
Consider professional help if the notice is complicated, involves a large amount, relates to multiple years, or you are unsure how to respond. We can help you read the notice, understand what it is asking, and identify your options. Representation before the IRS depends on professional credentials, which we will confirm with you.
Do not send Social Security numbers, bank details, or notices by regular email. We will arrange a secure way to review your documents.
General information only. This article is educational and is not tax, legal, or financial advice. Tax rules change and outcomes depend on your individual facts. Please consult a qualified professional about your situation.