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The Bottom Line In the future, if you know you won't be able to file your return on time, file an automatic extension using form 4868.

You can do this online through the Free File link at IRS.gov, through a tax software program or through a professional tax preparer.

Another option is to request a payment agreement by filing form 9465-FS.

If you're having trouble paying your taxes because you lost your job or your self-employment income has declined by 25% or more, you might qualify for penalty relief and a six-month payment extension under the IRS's Fresh Start program.

If you need more time to pay and you owe $50,000 or less in combined taxes, penalties and interest, try using the IRS's online payment agreement to automatically set up a payment plan.

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