IRS notices, explained

First balance due after the IRS processed your return — amount owed plus interest and penalties.

Reminder notices before stronger collection — balance still due and time-sensitive.

Delinquent return notice — the IRS believes you still need to file for one or more years.

Request to file or balance tied to unfiled years — compliance before collection escalates.

Substitute for return — the IRS filed for you using income it has; you may owe more than you expect.

Refund hold because the IRS shows an unfiled return for a year on your account.

Proposed changes to your return — income or payments on your return do not match what the IRS received.

Statutory Notice of Deficiency — 90-day window to petition Tax Court if you disagree.

Intent to levy — the IRS warns it may take wages, bank accounts, or other property if you do not respond.

Final notice with Collection Due Process rights — last chance to appeal before levy with limited exceptions.

Final notice before levy on a specific balance — urgent response window.

Intent to terminate your installment agreement — missed payment or new balance broke the plan.