{"id":3952,"date":"2024-02-16T16:24:27","date_gmt":"2024-02-17T00:24:27","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/financial-fitness-overcoming-hurdles-and-mastering-tax-season\/"},"modified":"2025-07-03T18:32:32","modified_gmt":"2025-07-04T01:32:32","slug":"aptitud-financiera-superar-obstaculos-y-dominar-la-temporada-de-impuestos","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-superar-obstaculos-y-dominar-la-temporada-de-impuestos\/","title":{"rendered":"Aptitud financiera: c\u00f3mo superar obst\u00e1culos y dominar la temporada de impuestos"},"content":{"rendered":"<p><p style=\"text-align: left;\"><em>*Esta publicaci\u00f3n tiene como \u00fanico fin informarle. Consulte con un profesional fiscal para obtener la informaci\u00f3n m\u00e1s actualizada o asesoramiento personalizado.<\/em><\/p>\n<p style=\"text-align: left;\">Para muchos estadounidenses, el proceso de presentar la declaraci\u00f3n de impuestos no es una actividad anual favorita. Una raz\u00f3n com\u00fan por la que la gente pospone la tarea es porque saben que deber\u00e1n dinero y no pueden pagarlo. Sin embargo, no presentarla o hacerlo tarde tiene consecuencias bastante graves. Algunas de las desventajas de no presentarla antes de la fecha l\u00edmite de abril (o de agosto, si solicita una pr\u00f3rroga) son:<\/p>\n<ul style=\"text-align: left;\">\n<li>Su factura de impuestos podr\u00eda aumentar en 25% o m\u00e1s, debido a cargos por multas e intereses.<\/li>\n<li>Sanciones adicionales y\/o procesamiento penal si contin\u00faa sin presentar la declaraci\u00f3n.<\/li>\n<li>P\u00e9rdida del reembolso, si lo hubiere (la fecha l\u00edmite para reclamar reembolsos es tres a\u00f1os despu\u00e9s de la fecha de vencimiento de la devoluci\u00f3n).<\/li>\n<li>La p\u00e9rdida de los cr\u00e9ditos del Seguro Social que se destinan a su jubilaci\u00f3n (si trabaja por cuenta propia y no presenta declaraciones dentro de los tres a\u00f1os siguientes a la fecha de vencimiento).<\/li>\n<\/ul>\n<p style=\"text-align: left;\">Si debe una gran deuda de impuestos, no se desespere. El gobierno quiere facilitarle el pago. La mayor\u00eda de las personas pueden acceder a un programa de pagos a plazos, donde la cantidad adeudada se distribuye en el tiempo. Incluso podr\u00eda obtener una oferta de transacci\u00f3n (liquidaci\u00f3n por menos de la cantidad adeudada). Pero recuerde, debe presentar una declaraci\u00f3n para poder optar a cualquiera de las dos opciones.<\/p>\n<p style=\"text-align: left;\">Otra raz\u00f3n com\u00fan para presentar la declaraci\u00f3n de impuestos tarde o no hacerlo es que puede ser un tr\u00e1mite agotador y confuso. Sin embargo, muchas personas pueden aprovechar los programas gratuitos de asistencia para la declaraci\u00f3n de impuestos. Estos son algunos de los m\u00e1s importantes:<\/p>\n<p style=\"text-align: left;\"><strong>Programa de Asistencia Voluntaria para la Declaraci\u00f3n de Impuestos (VITA)\u00a0<\/strong><br \/>\nSi gana menos de $60,000, el IRS ha dispuesto que reciba asistencia gratuita para la preparaci\u00f3n de impuestos. Voluntarios especialmente capacitados se encuentran en lugares convenientes como bibliotecas, escuelas y centros comerciales, y pueden ayudarle a preparar declaraciones de impuestos b\u00e1sicas. Llame al 1-800-829-1040 o busque\u00a0<a href=\"http:\/\/irs.treasury.gov\/freetaxprep\" target=\"_blank\" rel=\"noopener\">www.irs.treasury.gov\/freetaxprep<\/a>\u00a0para conocer la ubicaci\u00f3n del sitio VITA m\u00e1s cercano.<\/p>\n<p style=\"text-align: left;\"><strong>Asesor\u00eda Fiscal para Personas Mayores (TCE)\u00a0<\/strong><br \/>\n\u00bfTiene m\u00e1s de 60 a\u00f1os? Entonces es elegible para el Programa TCE del IRS. Los servicios incluyen asesor\u00eda fiscal gratuita y preparaci\u00f3n b\u00e1sica de declaraciones de impuestos. Para m\u00e1s informaci\u00f3n sobre el TCE, llame al 1-800-829-1040.<\/p>\n<p style=\"text-align: left;\"><strong>Ayuda fiscal de AARP<\/strong><br \/>\nSi usted es una persona mayor o tiene ingresos bajos o medios, puede aprovechar el programa de asesoramiento Tax-Aide de AARP (parte del Programa TCE). Durante la temporada de impuestos, voluntarios capacitados y certificados ayudan a preparar sus impuestos en m\u00e1s de 9,000 oficinas en todo Estados Unidos. Para encontrar la oficina m\u00e1s cercana, llame al 1-888-227-7669.<\/p>\n<p style=\"text-align: left;\"><strong>El Consejo Fiscal de las Fuerzas Armadas (AFTC)<\/strong><br \/>\nLas fuerzas armadas son socias del Programa VITA, por lo que si usted pertenece al Ej\u00e9rcito, la Fuerza A\u00e9rea, la Armada, el Cuerpo de Marines o la Guardia Costera, usted y su familia pueden recibir asesoramiento y asistencia tributaria gratuita en sus instalaciones. El AFTC supervisa la operaci\u00f3n y act\u00faa como el principal canal de comunicaci\u00f3n del IRS con el personal militar y sus familias.<\/p>\n<p style=\"text-align: left;\"><strong>El IRS<\/strong><br \/>\nEl IRS quiere ayudar. De verdad. Ofrece asesoramiento gratuito e individualizado por computadora, tel\u00e9fono y en persona a todos los contribuyentes, sin restricciones de ingresos ni edad. Los empleados del IRS le ayudan a obtener formularios y publicaciones, y pueden responder a una amplia gama de preguntas sobre impuestos. Puede obtener asistencia llamando al 800-829-1040.<\/p>\n<figure id=\"attachment_4331\" aria-describedby=\"caption-attachment-4331\" style=\"width: 150px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4331 size-thumbnail\" src=\"https:\/\/www.pcfcu.org\/wp-content\/uploads\/Darrell-McVea-WEB-150x150.jpg\" alt=\"Darrell McVea, Educador Financiero Comunitario\" width=\"150\" height=\"150\" \/><figcaption id=\"caption-attachment-4331\" class=\"wp-caption-text\">Darrell McVea<br \/>Educador financiero comunitario<br \/>800.426.1601 x3184<br \/><a href=\"mailto:dmcvea@pcfcu.org\">dmcvea@pcfcu.org<\/a><br \/><a href=\"http:\/\/pcfcu.balancepro.org\" target=\"_blank\" rel=\"noopener\">pcfcu.balancepro.org<\/a><\/figcaption><\/figure>","protected":false},"excerpt":{"rendered":"<p>*Esta publicaci\u00f3n tiene como \u00fanico fin informar a la poblaci\u00f3n. Para obtener la informaci\u00f3n m\u00e1s actualizada, consulte con un asesor fiscal. <a href=\"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-superar-obstaculos-y-dominar-la-temporada-de-impuestos\/\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3830,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"class_list":["post-3952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-fitness"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Fitness: Overcoming Hurdles and Mastering Tax Season - Peninsula CU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-superar-obstaculos-y-dominar-la-temporada-de-impuestos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Fitness: Overcoming Hurdles and Mastering Tax Season - Peninsula CU\" \/>\n<meta property=\"og:description\" content=\"*This publication is only intended to be used for general informational purposes. 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