Each step taken to build credit becomes part of a broader effort to create lasting financial independence and opportunity. While a Texas federal district court’s preliminary injunction puts this requirement on hold, many experts expect that to be overturned. In that event, failure to file could lead to fines of $500 per day, up to a maximum of $10,000, and possible criminal penalties. Done right, it shifts the calendar from reactive to proactive, and turns tax prep into something closer to a conversation than a crisis.
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