Missed account reporting — written plan
Chip-reviewed written plan · $199
Think you missed a foreign-account report? Start with a written facts-and-next-steps plan.
Chip reviews the agreed records for one selected historical year, organizes what was held and filed, flags missing evidence, and explains the next U.S. review or preparation steps.
Up to 3 straightforward personal deposit accounts, $199. Filings, full-year balance reconstruction, and relief-procedure analysis are separate.
One year · Up to three accounts · Source-indexed workpaper · Written scope before payment
Chip and you agree the accepted question, records, scope, and terms in writing before a private payment invitation. The plan organizes documented facts; filing, full-year reconstruction, and relief-procedure analysis are separate.
What the $199 plan adds
Documented factual reconstruction, on top of screening.
The existing $100, 30-minute scope consultation includes a written list of years and forms, a checklist, and scope flags. This offer adds defined document review and reconciliation for one selected year, then a Chip-reviewed written plan.
One selected year and account inventory
One household, one reporting person (or jointly filing spouses fitting one review), one historical calendar year, and up to 3 personal deposit accounts.
Source-indexed comparison workpaper
A reusable table that sets claimed facts against filed-report evidence and account-document evidence, with the discrepancy, the clarification needed, and the reviewer status for each row.
Observed values kept separate from unresolved ones
A dated observed balance stays a dated observation. It is never treated as a verified annual maximum, and unsupported values stay unresolved.
Prioritized records-request plan
A bank-ready list of the missing opening/closing records, statement excerpts, acknowledgements, and return portions to request next.
Ordered next steps
A clear statement of whether further factual reconstruction, separately scoped preparation, or an attorney or credentialed-representative review is needed.
Acceptance and limits
One household, one year, up to three accounts.
- One household and one reporting person, or jointly filing spouses fitting one review.
- One historical calendar year. Intake may summarize up to 6 years of filing history, but document review covers one selected year/issue.
- Up to 3 personal deposit accounts.
- A cap of 8 files and 25 substantive pages plus the organizer.
- One consolidated clarification round and one factual-correction revision requested within 7 calendar days of delivery.
Substantive originals and translations count toward the page cap; merging files does not reduce the count. Blank pages are excluded, and unreadable records need a usable replacement.
Before payment we confirm the year, accounts and countries, ownership and authority, omissions, available records, related income reporting, filings, agency contact, notices, and conduct concerns. Entity or trust accounts, uncertain ownership, complex investments, active IRS or FinCEN contact, an investigation, or intent/legal-exposure questions need a referral or another engagement before payment. Additional years require separate scope.
The accepted question
Every plan starts from one written question.
Before acceptance, the buyer's question is written in this form: “For [year/person/accounts], compare [specific filing evidence] with [specific account evidence], identify documented differences and unresolved facts, and provide the next records/review steps.”
Examples include checking whether an identified account appears in the supplied filed report, or reconciling a closure date with the year's account inventory. We confirm that the available documents can answer a meaningful part of that question before charging.
If no filed or account evidence is available and the likely output would be only a generic checklist, the inquiry is directed to the free checklist or the $100 scoping consultation before this product is charged.
The deliverable
A 3–5-page plan with a structured appendix.
The written plan covers the accepted year and account inventory, known filing history, evidence coverage, observed facts versus unresolved values, inconsistencies, missing-record requests, relevant U.S. reporting questions, and ordered next steps. It explains whether further factual reconstruction, separately scoped preparation, or an attorney or credentialed-representative review is needed.
The appendix carries two tables. The first records the year, account alias and country, ownership evidence, open/close dates, records covered, observed balance and currency, prior filing reference, source/page, gap, and next action. The second records the claimed fact, filed-return evidence, account-document evidence, discrepancy, clarification, and reviewer status. An observed balance is never automatically a verified annual maximum.
Process and delivery
How it works
- 1
Screen broad facts through the public inquiry.
The public form collects no sensitive attachments. It screens the year, accounts, ownership, omissions, records, related income reporting, filings, agency contact, notices, and conduct concerns.
- 2
Agree the written scope before payment.
Chip confirms the selected year, accounts, accepted question, required records, exclusions, $199 price, cancellation terms, delivery target, and secure collection arrangements for your case. Once you accept that written scope, Chip sends a private payment invitation.
- 3
Pay and share the agreed records securely.
Use the private Stripe payment invitation and Chip’s agreed Encyro upload instructions. The public form and ordinary email are not document-upload channels. Chip confirms completeness and the delivery date when the required records and answers are usable.
- 4
Extract and verify source references.
Account identifiers and aliases, ownership evidence, opening/closing dates, selected balances, filing dates, and acknowledgement references are extracted, then Chip verifies the source/page links and unresolved differences.
- 5
Build the reduced factual workpaper.
One consolidated clarification request is sent. Complete-year maximums or income coverage are never inferred from a few statement pages.
- 6
Deliver the reviewed plan.
The reviewed plan is delivered with one factual-correction revision requested within 7 calendar days. Expanded years, new accounts, or a new legal question require separate scope.
Delivery target: 5 business days after the written scope is accepted, payment clears, and Chip confirms the required records and clarification answers are complete. Weekends and U.S. federal holidays are excluded. Chip confirms the delivery date; if an answer is needed during review, the clock pauses and a revised date is confirmed when it arrives. This review does not extend a tax or government response deadline.
Price, acceptance, and cancellation
$199 for the accepted written plan.
Request fit first. Chip confirms the accepted question, year, accounts, required records, caps, exclusions, price, delivery target, cancellation terms, and secure collection arrangements for your case in writing. After you accept that scope, Chip sends your private Stripe payment invitation. Preparation and expanded review are separately quoted; no additional work is charged without your agreement.
Cancel before substantive paid work starts for a full refund. If new facts prevent the agreed useful result, we offer an agreed reduced deliverable and fee, a separately accepted new scope, or closure with a refund for undelivered work. Any completed-work fee and cap must be disclosed in the original written scope; no undisclosed hourly charge is deducted. Your applicable consumer rights remain in place.
One consolidated clarification round and one factual-correction revision requested within 7 calendar days of delivery are included. New years, new accounts, or new legal questions require separate scope.
Exclusions
What this plan does not include
- Filing or submission of any form.
- Whole-year transaction extraction or full multi-year reconciliation.
- Full-year balance reconstruction or a promise of six years of statements.
- Legal willfulness or reasonable-cause opinions.
- Penalty guarantees or defense, and drafting non-willfulness certifications.
- Relief-eligibility decisions or a certified correction route.
- Audit or criminal representation.
Request the plan
Request my missed-account plan
Start with the broad facts. Chip reviews fit, confirms the useful question and written scope, and sends a private payment invitation after you accept. The $199 plan begins only after that acceptance and payment. Share agreed records through Chip's secure Encyro instructions; keep documents, account numbers, and identifiers out of this public form.
Before you start
Questions about the missed-account plan
Is this the same as the $100 consultation?
No. The $100, 30-minute scope consultation stays a conversational screening. This $199 addition is a documented factual reconstruction: a source-indexed comparison workpaper and a prioritized records-request plan for one selected historical year.
Does this file or amend anything for me?
No. The plan reconstructs the account/filer/history record and the next professional step. Filing, submission, full-year balance reconstruction, and relief-procedure analysis are separate.
What if a filing acknowledgement is all I have?
An acknowledgement can support submission history, but it is not proof of every reported account or value without the corresponding report evidence. If no filed or account evidence is available, the inquiry is directed to the free checklist or the $100 scoping consultation before charging.
What happens if a new problem appears after payment?
If a notice, disputed ownership, investigation, or intent concern emerges, substantive procedure advice pauses. Chip names the new fact without assigning a legal classification. If the accepted useful result cannot be delivered, you can agree to a reduced deliverable and fee, accept a separately quoted scope, or close the engagement with a refund for undelivered work. Referral criteria for an attorney or credentialed representative are provided, without promising that another professional will accept the case.
When do I pay, and can I cancel?
Payment follows Chip’s written scope approval and your acceptance. The price is $199 for the accepted plan. Cancel before substantive paid work starts for a full refund. If new facts prevent the agreed useful result, the options are an agreed reduced deliverable and fee, a separately accepted scope, or closure with a refund for undelivered work. Any completed-work fee and cap must be disclosed in the original scope; no undisclosed hourly charge is deducted.
Can this tell me the correct amended amount or my penalty risk?
No. The plan organizes documented facts. It does not establish the correct amended amount, relief eligibility, willfulness, or a filing route, and it does not provide penalty or legal-conduct opinions.
Related next steps
Build the right path from here.
$100 scope consultation
Keep conversational screening for cases that do not need document review.
Free missed-filings checklist
Organize records without determining relief eligibility.
FBAR catch-up consultation
Map the appropriate catch-up path before any filing.
FBAR preparation
Filing-history review before accepted catch-up work.
FBAR account workpaper
Organize account and maximum-value evidence locally.
Fictional sample plan
See the 3–5-page deliverable before you request one.
Primary sources
Current foreign-account guidance
FBAR is administered under the Bank Secrecy Act and filed through FinCEN; Form 8938 is filed with the federal return. Current IRS and FinCEN guidance controls thresholds, forms, and procedures.
Start here
Request my missed-account plan.
Tell us the selected year, the accounts, and the records you can supply. Chip confirms fit and the exact scope before any payment.
Request my missed-account planPrefer email? info@fileabroad.com
Do not send account numbers, bank statements, Social Security numbers, or other sensitive financial information through the public form or ordinary email.