<prompt> Human: This is a throwaway account because my situation is really embarassing. Procrastination, fear, poor decisions and lack of resources have brought me to this. Im totally afraid to even access the damage. So here goes...I just turned 40, in the middle of a divorce actually kind of amicable, about to graduate x-ray tech school on october 4th but...I have no savings, i live on a 120 allowance per week from my sis, i havent done taxes in 13 years, i owe a shit ton of money in school loans, im pretty sure my credit is totally jacked and it goes on and on. Question, can my credit even be rescued? Am I going to sent to a CIA black site for not paying taxes in 13 years? Is it possible to save enough money to retire at a reasonable age at this point or is it already to late?I would really appreciate the help...Im scared shitless of my situations and the implications of my bad decisionsAssistant: i havent done taxes in 13 yearsYou mentioned your divorce. Are you sure your spouse didnt file joint taxes for both of you?Human: Nope she didnt, she filed separately and stated we were single on her taxes to avoid getting caught up in my financial mess.Assistant: Did you have income during those 13 years? Above 10,000?Human: Some years i made above 45,000 and some years i made below 20,000 with part time work. I was also on unemployment for a total of about 2 years during the last 13 years.  <response>: Were your wages reported to the IRS and to you? If yes, was it a 1099 or a W-2?If a W-2 you may not be totally screwed since taxes were withheld. The years where you made below 20k you were likely due a refund, and the years where you made a relatively larger amount of money youll hopefully break even on the refund vs. taxes owed. If it was a 1099, you may have some serious back taxes going on.This is a situation where you will 100, definitely, without any ifs, ands, or buts, need a CPA to help you out with filing your taxes for all of the past years. Going forward, you can likely do it yourself.As far as getting all of your tax documents, you need to go to an IRS office and get them to print you a history of all of the things that the IRS has received on you, all of the 1099s and W-2s and such. Do this before going to a CPA, since the CPA wont be able to help you out otherwise. If you owned a home throughout all that time, you need to talk to your mortgage company and get a history of all your tax documents. This is a big deduction you wont want to miss. 