Keep Calm and Prepare Your Taxes Properly

Keep calm and prepare your taxes properly. In this age of misinformation, people can easily get duped into believing complete nonsense. We won’t get into any examples here apart from the recent hullabaloo concerning armed IRS agents. Let’s cut to the chase: NO, armed IRS agents will not show up at your door demanding back taxes. You are still protected by laws. Rather than feeding into the hype, the best thing you can do is keep calm and prepare your taxes properly.

Keep Calm and Prepare Your Taxes Properly. An image of a tax law book and accounting forms.
Keep calm and prepare your taxes properly. Relax, IRS agents aren’t coming directly for you.
How’d We Get Here?

It all began with a legitimate job posting for Criminal Investigation (CI) Special Agent positions. This is not a new unit. Once called the Intelligence Unit, the CI has existed in some form since 1919.

Currently, the CI has around 3,000 employees. Of those, only 2,100 serve as special agents who can carry firearms. These special agents investigate criminal tax violations (think Al Capone-level money laundering, national security, or defense matters). Last year alone, the CI identified more than $10 billion in tax fraud and other financial crimes.

Every year the CI loses 150-175 special agents due to retirements and attrition. This year, they hope to hire 300-350 special agents over the course of the entire year. When you consider the average annual losses, they looked to add a net gain of 150-175 special agents.

Prepare for the twist.

Social Media Mayhem

Hell hath no fury like fired-up conspiracy theorists, who falsely repeated claims the IRS was hiring 87,000 armed agents.

Keep Calm and Prepare Your Taxes Properly. Image of a U.S. Tax Court building.

After some rather impressive mental gymnastics, they connected the CI job posting to a recent U.S. Department of Treasury Report. The May 2021 report noted that the IRS could hire an additional 86,852 employees by 2031 from the Inflation Reduction Act.

For reference, the IRS currently has approximately 81,000 employees in total. The vast majority of those employees serve as civilian auditors and revenue collectors. Whether the IRS actually needs to (or could) add so many to their current headcount is another matter altogether.

And yet, that didn’t stop false claims that the IRS would somehow raise an army of “locked and loaded pencil pushers.” I cannot stress enough: Repeating a falsehood doesn’t make it true.

A Better Use of Your Time

Instead of getting caught up in the frenzy, you’re better off focusing on properly preparing your taxes. I’d make an “…or else” joke here, but don’t want to feed into the insanity.

Rather, we recommend you focus on carefully preparing your personal and business tax returns. Doing so will give you peace of mind and help your financial security.

A trained tax attorney can help you avoid audits or represent you if you find yourself being audited. Additionally, all indications are that the number of audits will slightly increase. Our experienced tax professionals have helped hundreds of taxpayers just like you.

We’ll help you prepare your taxes correctly and avoid audits of any kind. We can also debunk any additional myths for you about tax preparation or the IRS. Complete our online form or call us today at 724-216-5180 to learn more.

Keep Calm and Prepare Your Taxes Properly. A desaturated image of tax forms and calculators.

Estate Planning for Your Kids

Estate Planning for Your Kids discusses some planning steps you can take for your children. No one likes to think about their death. But just like taxes, death is inevitable. So, when you meet your end, do you know who will inherit your possessions? If you have kids, how will you ensure they will receive and further know how to handle their inheritances? Don’t assume the answers to those questions unless you have an estate plan. Therefore, you think of personal estate planning as a benefit for your kids, and not just a subject to avoid or be put off.

Estate Planning for Your Kids. Image of an Estate Planning book with inheritance tax and living trust forms with bokeh lights in orange and yellow in background.
Plan to help make life a little easier for your children.
Your Lack of Planning Causes More Pain

When you fail to put your financial affairs in order, your children will deal with the consequences. If that’s what you want, quit reading right now. We can’t help you.

But if you want to ensure you’ve taken care of your kids, you need to know how to plan. Adult children in particular can face several common problems when their parents fail to plan properly. Such as the location of and title to the parent’s assets. Assets may be titled to be automatically distributed to a party or in a percentage to a party that you were unaware of; the adverse is possible as well.

Apart from that, they can also face unexpected inheritance taxes or not knowing where to find financial account information. Just placing someone’s name on an account doesn’t automatically mean they know it exists…or how to handle it.

To make matters more complicated, inheritance laws vary from state to state.

Communicate Wishes

Many parents do an amazing job teaching their children about budgeting, saving, and investing. Yet, they fail to communicate any information whatsoever about their inheritances. Consider this your final and most important financial lesson.

Parents often just assume children will know what they’ll inherit and how to handle the process to receive it. But this ambiguity can lead to some nasty consequences after your death if you don’t make your wishes clear.

Hold a good old-fashioned family meeting to share estate plans with everyone. If that’s not possible, make sure you have frank conversations with each of your heirs. Either way, provide written plans with specifics that spell out who gets what (and when, if applicable). Make sure they each know where to find copies of legal documents, too.

Many financial advisors also recommend their clients arrange a time for them to meet with their heirs. This allows your children to ask questions and meet the person helping with financial matters after their parent’s death. They’ve found that having a familiar face can ease the transition during a time of grieving.

Setting Your Kids Up

It doesn’t matter whether you are of modest means or have extensive asset holdings, put the right documents in place. This will ensure you’ve protected your loved ones and the property you’ve passed down to them.

Working with an experienced estate planning attorney can ensure you structure your assets in a way to minimize or even eliminate inheritance taxation. When you come to our office, we listen carefully to your values and your goals.

We can help with:

Will preparation

Advance health care declarations

Powers of attorney

Trust creation and administration

Business succession planning

Probate administration

Estate Planning for Your Kids. Closeup of a hand signing a will in black & white.

Set your finances up to protect your children’s interests. Our law office exists to protect your rights and your money. Call us at 724-216-5180 or complete our online form to learn how.

Expect Massive Delays in Processing Your Tax Return This Year

Every year, the IRS seems to get just a little farther behind in getting tax refunds back to people. Throw in the processing of Economic Impact Payments and you’ve got yourself a royal mess. In January, the Treasury Department warned taxpayers to expect massive delays in processing of your tax returns this year. That’s just great, right? But…relax! Below we offer some tips on how to get your cash back as soon as possible.

Expect Massive Delays in Processing Your Tax Return This Year. An image of the red and white John A. Cochran, Esquire business card and some tax forms.
You can probably expect massive delays in processing your tax return this year.
File ASAP

The early bird gets the refund faster. If you put your return in the queue earlier, there will be fewer returns ahead of yours to process. Keep your files organized and ready to go. If you haven’t gotten organized yet, make it a priority. The IRS is still saying they’ll strive to process refunds within 21 days of receipt. And that theoretically can happen for you if you file your return early and don’t raise any red flags.

File Electronically

To expedite your tax refund process, move away from paper submission. Filing paper returns requires time-intensive, manual processing. To ensure a smoother process, file electronically with direct deposit to avoid delays in process, receiving refunds, or notices from the IRS. More than 90% of 160 million people who file taxes submit their returns electronically. You can also check the status of your refund on the IRS’s Where’s My Refund? page.

Have Documentation for Everything

Whether you file a simple W-2 each year or a complicated small business owner return, have documentation for everything. Have your documentation saved electronically for easy access should you be asked to provide proof of anything in your submission. Any questionable numbers will increase your odds of an audit. Make sure the numbers match on the forms before you submit your return. Anything you’re unsure about leads into our next recommendation…

Don’t Guess, Ask an Expert

Even if you think you have a simple preparation process, rules change all the time. If you can’t easily locate an answer to your question, don’t just guess at what to do. Take the time to ask an expert. Even the big online processing companies have an option to connect with a CPA. The small fee for a consultation could end up saving you thousands in the long run. If you have an especially complex situation, your best bet is to enlist the help of an experienced tax attorney.

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Exercise Patience

Fun fact: the IRS has been running with the same number of staff since the 1970s, despite the American population increasing by 60% since then. Nearly 75% of American taxpayers expect a refund each year, so you’re not alone. Many people count on their tax return to fund vacations or use it pay down debt. However, depending on those refund checks coming in by a certain time can backfire on you. As of December 31, 2021, six million people were still waiting for the IRS to process their 2020 returns. As frustrating as this delay is, there’s nothing you can do. ​

In conclusion, we hope this blog, Expect Massive Delays in Processing Your Tax Return This Year helps with your tax preparation plans. Need help getting your taxes ready or have a question? Our experienced tax professionals can help you minimize any taxes you owe and ensure you comply with all applicable laws. Complete our online form or call us today at 724-216-5180 to learn more.

Seven Tax Considerations for New Businesses

Seven tax considerations for new businesses is our blog topic this month. Did you start a business in 2021? As we enter tax season, we see a lot of new owners make several common mistakes. Here’s seven tax considerations for new businesses to keep you out of hot water with the IRS.

Seven Tax Considerations for New Businesses. An image of a small white tablet with Small Business written on it. Business law and business tax.
Newer business owners need to know small business taxes.
1. Yes, You Have to File Taxes.

Above all, you’ll need to understand how rules changes if you’re new to running a business. As an individual, you only need to file taxes if your gross income exceeds $12,550. That number drops to a net income of $400 as a business owner. You also have to carefully monitor all your income and expenses, much more than as an employee.

2. And Yes, You May Have to Pay Quarterly Estimated Taxes.

When you work for someone else, they take takes out of your paycheck on your behalf. So, when you work for yourself, the IRS expects you to estimate your taxes and submit them quarterly. Failing to do so sets you up for underpayment penalties.

3. Claim Start Up Costs.

Even if you run your business from your kitchen table, it cost money to get set up. You can deduct anything you needed to pay to get up and running, including research and training (Subject to a $5K Limitation ). You can claim everything from marketing, website creation, office furniture and supplies, vehicle costs, and more.

4. The IRS Sees You As ‘Fresh Meat.’

Unfortunately, having your own business raises all sorts of interest from the IRS. Getting audited isn’t the end of the world, IF you’ve carefully followed directions on expenses and deductions with receipts. Keeping up with all the changes year to year can get overwhelming. And if you make a mistake, it can get expensive really quick.

5. Don’t Mix Business and Personal Finances.

If you’ve just started out, you may not have thought about having a separate business checking account yet. But this is one of the first things you should do as a new business owner. Even if you barely edge over that $400 net income line, have a separate account for business income and expenses. This makes things easier to separate for filing purposes and cleaner during any audits.

6. Self-Employed? Don’t Expect a Refund.

Most employees look forward to late spring every year when they receive a windfall as part of their tax return. We’ll leave for another conversation as to why you should minimize tax refunds that basically serve as free loans for the government. Most small businesses serve as a pass-through entity for the owner’s income. Owners pay taxes on that income as part of their individual taxes without any withholdings to absorb the additional taxes. ​

7. Learn from this Return.

Even with a tax specialist helping you, expect a few lessons on how to improve next year. Look closely at your return. Go over it with a tax expert and make sure you understand any penalties or additional deductions for next year. We like to say it’s not rocket science. But, when you’re just starting out, it can really feel like it!

Did you start a business in 2021? If you feel unsure on what to organize or how to get started, relax! We hope that our Seven Tax Considerations for New Businesses blog helped a little.

Still confused? Our, our experienced tax professionals can help you minimize any taxes you owe and ensure you comply with all applicable laws. Complete our online form or call us today at 724-216-5180 to learn more.

7. Learn from this Return Even with a tax specialist helping you, expect a few lessons on how to improve next year. Look closely at your return. Go over it with a tax expert and make sure you understand any penalties or additional deductions for next year. We like to say it’s not rocket science, but when you’re just starting out, it can really feel like it! Did you start a business in 2021 ? If you feel unsure on what to organize or how to get started, relax! O ur experienced tax professionals can help you minimize any taxes you owe and ensure you comply with all applicable laws. Complete our online form or call us today at 724-216-5180 to learn more.

Prepare for the Inevitable Upcoming Tax Season

Every year right between Christmas and New Year’s people start dreading tax season. That shoe box or receipt drawer may not close all the way anymore. Maybe you just found the statement for quarterly tax estimates (from June) in another pile of papers. Likewise, maybe your resolution list from January 2021 just resurfaced that included “stay on top of taxes” on the list. You already know that when you prepare for the inevitable upcoming tax season, it will suck so much less. So, let’s get started!

Prepare for the Inevitable Upcoming Tax Season. Image of red and white John A. Cochran, Esq letter head with money in background.
Get Out Ahead of Crunch Time

Rather than pouring yourself another cup of cheer and making tax preparations next year’s problem, face it head on. You can pour that cup of cheer if you’d like. However, digging in now will make Future You so much less stressed come tax time.

Picture yourself the evening of April 14, 2022, what do you see yourself doing? Do you see yourself furiously adding up totals? Trying to find random tax documentations? Or would you rather have plans to join your buddies for a well-deserved thirsty Thursday at the local watering hole?

Get Organized

Most tax experts will say it matters less how you organize your paperwork but more that you actually do it. So long as you have materials in order so that you can produce documentation requested for tax purposes, you’re good. You will save money in preparation fees.

If you don’t currently have a system or experience exasperated looks from your tax professional each year, ask yourself why. Perhaps your current system or lack thereof could use a tune up? Rely on the advice of experts on how to create or improve on your current techniques. You’ll make everyone’s lives easier.

Check Your Information

Double check that all your information on file with the IRS is correct, including direct deposit information for refunds. Even something as simple as an address change can get forgotten during a busy year.

Closely examine everything from dependent information to retirement and investment accounts to income streams. This year remember to check Economic Impact Payments and Child Tax Credit Updates, too, if applicable. Spotting differences now can avoid potential problems after filing.

Ask Questions and Get Clarifications Early

Do some early research to see if you need to file differently or can add new deductions. Whether you work with an accountant or use a self-service tax filing tool, ask follow-up questions from the experts.

Get clarification on changes in tax deductions early in the season so you have time to do something about them. Finding out about a new deduction does no good if you didn’t save the proof necessary to claim it.

Nervous about this upcoming tax season? How will you prepare for the inevitable upcoming tax season? Relax! Our experienced tax professionals can help you minimize any taxes you owe and ensure you comply with all applicable laws. We help our clients avoid legal issues with their taxes while providing peace of mind. Complete our online form or call us today at 724-216-5180 to learn more.

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Making Charitable Donations Part of Your Estate Plan

As you create an estate plan ( yes, you need one ), consider how your assets will be divided upon your death. Most people don’t consider charitable donations as a way to minimize estate/inheritance taxes. However, did you know that making charitable donations part of your estate plan could lessen the tax burden for your heirs? Read on to learn more.

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Why Designate Charitable Donations in Estate Plans?

For example, some people decide they don’t want to leave all their assets to their children or other beneficiaries. Likewise, others don’t have beneficiaries to leave their assets to but want to ensure their estate contributes to a lasting legacy.

For anyone passionate about a specific cause, making charitable donations part of your estate plan may be the right choice for you. Leaving funds or other assets to a designated charity could make the most impact. Tax-exempt charities are set up to maximize the effectiveness of gifts they receive, planned or otherwise.

Any funds given to a recognized public charity are not taxable. While this may decrease the overall amount any named beneficiaries receive, most people appreciate the sentiment during their grieving period. Making charitable donations part of your estate plan may be a good choice.

What Charities Count?

Any charity recognized by the IRS as a 501(c)(3) can receive tax-exempt donations as part of an estate plan. These include charitable organizations, churches and religious organizations, private foundations, and other non-profits.

In addition, depending on the size of your gift, you should contact the charity to inform them of your plans. They may need time to prepare for a large gift (over $10,000). They can also provide basic information to list in the estate plan to streamline the process. If you do name other beneficiaries in your estate plan, you should probably let them know your plans, too. This can minimize hurt feelings and contested wills upon your death.

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How to Get Started.

There are a number of ways to plan gift to charities, foundations, or others as part of your estate plan. Estate/inheritance tax rules seem to change every year. So, your estate attorney can work with your designated charities to determine which options make the most sense for everyone. By making your wishes clear in your estate plan, you leave little room for misinterpretation. You can minimize additional work for your heirs and maximize their tax benefits while supporting organizations important to you.

In conclusion, are you not sure how to name a charity in your estate plan? RELAX! Our estate planning experts can walk you through options. Each will fit your unique circumstances. We help with will preparation, trust creation and administration, probate administration, and more. Call us today at 724-216-5180 or complete the online form to schedule a free consultation.

Tax Implications of Closing a Business in 2020

An unfortunate side effect of the global pandemic and economic impact has been the closing of small businesses. But just closing the doors doesn’t end the story. Depending on business structure and number of employees, closing your doors forever can hold additional costs if not done correctly. Today, we’ll discuss the tax implications of closing a business in 2020. 

Structure Complexity Impacts Your Tax Implications

How you structured your business will determine the steps you’ll need to take for a full closing. In addition to filing annual returns and related forms, you will need to pay final wages or compensation to employees. You will also need to cancel your employer identification number (EIN) and close your IRS business account. 

Sole Proprietorships with zero employees, especially when operated from your dining room table, come with little issues when closing. Businesses operations with contractors, employees, or storefronts will need to follow a run-out strategy for payroll, contracts, and leases as well as additional book-closing steps. 

Partnerships operate like sole proprietorships when closing for good. Owners will need to account for dissolution and personal tax impacts. 

C-Corporations, because of their complexities, require far more processing. It includes selling off assets or liquidating stocks. Owners will also need to petition the State for dissolution and various clearance certificates.

Business Requirements

If your business had employees or used contractors, it should go without saying that you need to pay them. You also need to issue their final income statements for their tax filing purposes. 

If you provide a pension or benefit plan for your employees, see how to Terminate a Retirement Plan. If you provide Health Savings Accounts or similar programs for your employees, see About Publication 969.

When you close your business, you will still need to pay final taxes. (You don’t think they’d forget, do you?) This includes n any gains you may have had on selling the business or selling off its remaining assets. 

Keep Records of Everything when Closing a Business
Closed sign for business.

Careful bookkeeping helps business owners and their tax pros through the entire life cycle of a business. An audit by state or federal authorities is never fun, especially if the business activity that spawned the audit is now shut down. Then you incur additional cost and relive the closing experience without the benefit of any new money. If you destroy all supporting documentation on a closed business, you have just compounded that bad experience.

So please, hold onto your tax returns, unemployment records, and other business documents. Digitizing files can make it easier to store them without shoeboxes taking up precious real estate in your hallway closet.

This year has been difficult enough, get peace of mind now by addressing the tax implications of closing a business in 2020. Then you can begin the next chapter of your life with a clean slate. Need help pulling together your material or filling out necessary paperwork? Relax! We have years of experience providing efficient tax return preparation services and business minimizing tax liabilities, even after closure. Call John A. Cochran, Esquire, in Greensburg at 724-216-0704 or use our online form to schedule a free consultation.

Last Chance: 2019 Taxes are Due on July 15

photo of 1040 ta x form

Consider this your public service announcement. You had an extra three months, but this is your last chance: 2019 taxes are due on July 15. Despite a few hopeful rumors circulating, the IRS recently confirmed it was not going to push the deadline back any farther. Sorry. 

Cramming Sessions for Filing Taxes

We’ve mentioned on here multiple times about the virtues of starting earlier in the year to reduce stress associated with filing taxes. Every year people who’ve taken our advice return more organized, better prepared, and generally less annoyed at the whole process. But we also know how hard it is to start a new habit. Inevitably the same individuals will return year after year deep into the 11th hour. They show up stressed, angry, and thoroughly unprepared for the cramming session necessary to file on time. The pandemic offered an unheard-of reprieve for those unable to get their ish together in time. 

2019 Tax Variations

The global pandemic’s impact caused the Treasury Department to many different types of tax deadlines, including filing annual 2019 returns. The IRA also pushed back deadlines for first quarter estimated taxes for 2020. By the way, less common filings (think taxes owed on trusts and estates) also saw their filing deadlines shifted to July 15. However, they didn’t push back deadlines for second quarter. So, yes, if your typical send in quarterly estimated tax payments, you have three different tax dates and one has already past.

Extending Extensions

The normal procedures still apply if extending filing past July 15. So, Master Procrastinator, an individual can extend filing until October 15 (but you still have to file that form by July 15). A business can file for extension, too, but again must submit the paperwork by July 15. While this may tempt you into further procrastination, remember this does NOT extend the due date for paying any taxes owed as part of the filing. Not only will you still owe the same amount, but it will also include late fees. 

Still haven’t gotten started on your 2019 taxes yet? Relax! We can help ensure you stay in good graces with the IRS. We can also find additional avenues for you to pay the lowest taxes possible while staying in compliance. To learn more, call our office at 724-216-5180 or use our online form.

Do Not Approach Filing Taxes like Speed Dating

Read that again. Do not approach filing your taxes like speed dating, especially for small businesses. You cannot expect to whirl through filing your business taxes like a gigolo at a speed dating event. What kind of success can you expect running to meet a new person every three minutes? Check the statistics: speed dating only results in a 4-percent success rate in the long run. Anticipate the same dastardly (I love that word) results if you approach filing business taxes with a similar attitude.

The Future is Now

Yes, the IRS extended filing federal taxes until July 15, 2020 this year. In March or April, that probably felt like a million years away. You know, a Future You problem. Back then you needed to focus on following stay-at-home orders, COVID-19 concerns, and basically watching the world fall apart. The extension intended to give business owners time to get back to normal.

Newsflash for the Feds: we’re still not back to ‘normal’ business. But that doesn’t give you as a small business owner any more leeway. The extended deadline the federal government so graciously bestowed upon us is fast approaching. The future is now. Time to face reality and get moving.

Business taxes require more paperwork, documentation, and time to process. Meaning, business owners face a tighter crunch time that typical W-2 filers. As a double whammy, business owners also must file your first and second quarter estimated income tax payments the same day. 

Get It Together… Now

Don’t try to excuse your procrastinating ways by saying you work better under pressure. I don’t subscribe to the tactic of creating self-induced stressful situations. You want pressure? Try having only three minutes to pitch yourself to a potential mate. Nope, pressure doesn’t seem to help the speed daters, regardless of their schticks. The IRS doesn’t want your smooth operator lines either. 

That means you have to dig in, burn the midnight oil, and grind this out. My recommendation? Pull together all your spreadsheets, paperwork, and crumpled receipts before you get started. I promise you, if you have to get up to retrieve a stray document, something will distract you… especially food. Or finding Mr./Ms. Right.  

Our offices can’t help with your dating problems, but we’re here to help you end your procrastinating ways. We can get you through this tax season and set you up for success moving forward. Future you will thank you.

Do you have business tax issues, need filing an extension, or have specific tax-related questions? RELAX. Call our office at 724-216-5180 or complete the online form to schedule a free consultation.  

Common Tax Filing Mistakes

A graphic depicting tax filing materials


Whether you file your own taxes or work with a professional preparer, there are a few common mistakes you must avoid. Some could even delay your receipt of your funds from the CARES Act. You may laugh at these common tax filing mistakes below… unless you make them. 

Misspelled or different given names

If you ever took the SATs in high school, you may recall you got 200 points just for spelling your name right. There’s a lot more riding on spelling correctly and using your legal name now. Even if you hate your legal name, you’ll love the refund attached to it. The same goes for anyone who legally changes their name (ex: marriage, divorce, for fun). Whatever name the Social Security Administration has on file, use it on your tax paperwork.

Direct Deposit Errors

It’s more secure to request a direct deposit of a refund than having the IRS mail you a refund check and you receive your cash WEEKS earlier. However, the danger lies in making sure those digits are correct when you provide them. Errors in routing or account numbers could see your refund heading to another person’s bank account. The funds could also be returned to the IRS, delaying your receipt of your hard-earned cash. 

Side Hustles and Investment Earnings
Did you receive a 1099 for contract work last year? Guess what, you need to claim this on your taxes (yes, the IRS knows about it since the client sent a copy of your 1099 to them, too). Likewise, if you received funds from investments, you must claim this as income. If you “forget” about either of these, the IRS will remind you. Unfortunately, these reminders tend to include a penalty and interest on unreported income taxation.

Qualified Charitable Distributions

Make sure you adhere to the charitable donations guidelines posted on the IRS site. Bonus: If you’re an avid reader of my blog – and of course you are – we recently discussed a number of tax tips for filers over age 50. One of those tips offered advice for individuals who must take required minimum distributions from Traditional or Roth IRAs. By donating the full amount to charity, you exempt that income from taxation. 

With the IRS extending filing dates to July 15, you have time to ensure your information is complete and correct. Our office can help ensure you stay in good graces with the IRS. We can also find additional avenues for you to pay the lowest taxes possible while staying in compliance. To learn more, call our office at 724-216-5180 or use our online form.