Updated: Aug 18, 2025
If you filed an extension, you generally have until Oct. 15, 2025 to submit your 2024 return. Here’s how to pick a qualified preparer, avoid red flags, and move your refund faster.
In federally declared disaster areas, you may have more time. Check the IRS disaster relief page for your state before you file.
How to choose a tax preparer (checklist)
Availability & credentials
- Confirm the preparer is available year-round for notices and questions.
- Verify credentials and status (EA/CPA/Attorney/AFSP) and look up their listing in the IRS Directory.
- Check history with your state accountancy board (CPAs) or state bar (attorneys); consider BBB records.
PTIN & signature rule
Anyone paid to prepare your return must have a valid PTIN and must sign the return using that PTIN. Refusal is a major red flag.
Ask: “What’s your PTIN?” and confirm it appears on the final return.
How to work with your preparer
Records & accuracy
- Good preparers ask for records and receipts and will probe for all income, deductions and credits.
- Avoid anyone who tries to e-file using a pay stub instead of a W-2 — that’s against IRS rules.
- Review the complete return before signing; ask questions about anything unclear.
Refund handling
- Refunds should go directly to you — not the preparer’s bank account.
- Double-check your routing and account numbers on the return.
E-file, direct deposit & timing
E-file is a must-have
Choose a preparer who offers IRS e-file. It’s faster, reduces errors and gives you proof of acceptance.
Speed up your refund
Most refunds for accurate, e-filed returns with direct deposit are issued in fewer than 21 days. Use the Where’s My Refund? tool to track status.
Oct. 15 is a filing extension only. Any tax owed should have been paid by April due date to avoid interest and penalties.
Fees & payment safeguards
- Beware of fees based on a percentage of your refund or offers to route the refund to the preparer’s account.
- Get a written fee estimate and engagement letter up front.
- Be skeptical of “we get bigger refunds” pitches — accuracy and proper documentation matter most.
How to report preparer misconduct
If a preparer acts unethically or filed/altered your return without consent, report it to the IRS:
| Situation | What to file | Notes |
|---|---|---|
| General misconduct (e.g., refuses to sign, false claims) | Form 14157 — Return Preparer Complaint | Submit with supporting documents; IRS Return Preparer Office reviews. |
| Preparer filed/altered your Form 1040 without consent and you need account changes | Form 14157-A — Fraud or Misconduct Affidavit plus Form 14157 | Follow instructions; include copies of returns and evidence. |
Never sign a blank or incomplete return. You are responsible for the accuracy of what’s filed in your name.
