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It’s time to do your taxes — no more delays.

As the coronavirus pandemic took hold this spring, the federal government postponed the traditional April 15 filing deadline until July 15.

The move provided some economic and logistical relief for taxpayers dealing with the disruptions and uncertainty brought on by lockdowns, school closures and shuttered businesses.

And while many individuals may have welcomed the extension, tax preparers have remained busy during the three-month hiatus.

Jerry Shirley, CPA at J. F. Shirley Inc., explained he has never experienced anything quite like this. “It’s been a real nightmare,” Shirley said. “We’ve spent six or seven weeks assisting our small business clients with the SBA and PPP loans, which was the real mess because the rules kept changing almost on a daily basis.”

But now, that new tax deadline is rapidly approaching.

Shirley said anyone who is not prepared to file by July 15 to still make sure to file an extension, and that you need to file a return if you have a requirement to file one. “The payment dates for the first and second quarter estimates have also been extended to July 15,” he said.

The IRS is expecting about 150 million returns from individuals and as of last count, it had received almost 139 million.

So for those of you still waiting to file, make a payment or with other questions, a few answers:

DO I HAVE TO?

Yes. In most cases, you must file and pay your taxes by July 15.

Taxpayers who need more time can request an extension on the IRS website. That will give them until Oct. 15 to file. However, an extension to file does not mean added time to pay. So those planning on filing later should estimate what they owe and make that payment by July 15.

I CAN’T PAY NOW, WHAT DO I DO?

Go ahead and file your taxes even if you cannot pay.

The IRS is willing to set up payment plans or make other arrangements with taxpayers who cannot pay in full. Many of those can be set up online. And the penalty for failure to file will be much more expensive than the failure to pay, says Kathy Pickering, chief tax officer at H&R Block.

WHAT ABOUT REFUNDS?

The IRS is still processing and issuing refunds, most within 21 days.

Those getting refunds will be paid interest, dating back to April 15, if they file on time. The interest rate is 5% per year through June 30. Starting July 1, it drops to 3% per year. The interest is compounded daily for refunds. Any refund issued after July 1 will get a blended rate.

I DON’T WANT TO GO TO ANYWHERE. CAN I DO THIS ONLINE?

Yes, you can file or pay your taxes online. The IRS urges taxpayers to use electronic options to support social distancing and speed the processing of returns, refunds or payments. The agency is still working its way through a backlog of mail that built up during its closure in response to the pandemic.

Accountants and tax preparation services say they have a variety of means to help people prepare their taxes without meeting face to face.

WHAT ABOUT ESTIMATED TAXES?

Taxpayers who make estimated quarterly tax payments have until July 15 to make the payments for the first and second quarter. Those were originally due on April 15 and June 15 respectively.

WHAT ELSE?

There are a host of other tax deadlines linked to July 15. Check out the IRS website or reach out to a tax professional for answers to your specific question.

One worth noting is that July 15 is also the deadline to claim a refund for 2016 tax returns. An estimated $1.5 billion refunds for 2016 are sitting unclaimed because people failed to file tax returns. The law provides a three-year window of opportunity to claim a refund. But if taxpayers do not file a return within that time, the money becomes property of the Treasury. There is no penalty to file a later return if a refund is due.

It’s also a good time to check in with a tax professional if you have had a major shift in income, employment or other tax situations in 2020. With all the changes stemming from the COVID-19 pandemic, there may be need for added help when it comes to taxes.