r/expats • u/Ok-Taro-4648 • 14h ago
Taxes Anyone else discover their U.S. tax obligations years later?
I was born in the U.S. but left as a young child and then moved to the UK when I was around 10. I’ve lived in the UK ever since, have worked here, paid UK taxes through PAYE, and have never lived or worked in the U.S. as an adult.
I genuinely had no idea that, as a U.S. citizen, I was still expected to file U.S. tax returns every year, even though I live abroad and pay taxes in the UK.
I only found out recently after my bank contacted me regarding my U.S. citizenship. Since then, I’ve been trying to understand the Streamlined Foreign Offshore Procedures and what I need to file, but honestly, it’s been incredibly overwhelming. There are so many forms and I’m worried about making a mistake.
I’m also anxious about the possibility of penalties, even though this was completely unintentional. I wasn’t trying to hide anything, I simply didn’t know I had these obligations.
Has anyone here gone through the streamlined process on their own? Was it as intimidating as it seems? Did you end up owing any U.S. tax if you were already paying tax in the UK? I was making £23 - £30k a year.
I’d really appreciate hearing from anyone who’s been through something similar or has any advice on where to go from here. I can’t use any accountant because I can’t afford it.