1099 filing without the January scramble
Every January, small businesses discover that they paid contractors during the year and now need tax ID numbers, addresses and exact totals for each of them, within a few weeks. Bank searches and old emails rarely produce a reliable list, and a missing or wrong 1099 can mean IRS notices later.
Our 1099 filing service starts earlier and works from your books. We review who you paid, collect W-9s, prepare 1099-NEC and 1099-MISC forms from reconciled totals and file them with the IRS and New Jersey. We work with businesses in Rochelle Park and across Bergen, Passaic, Essex, Hudson and Morris counties, and online with clients across the U.S.
1099 filing requirements
Who needs a 1099
In general, a business files Form 1099-NEC for each person or unincorporated business it paid for services during the year, once the total reaches the reporting threshold. For payments made from 2026 onward, the IRS instructions for Forms 1099-MISC and 1099-NEC set that threshold at $2,000 (it was $600 before), and it may be adjusted for inflation in later years. Some rules to know:
- Corporations are usually exempt, but attorney fees are reportable even when paid to a corporation.
- Form 1099-MISC covers other payments such as rents and prizes. Royalties are reported from $10, and gross proceeds paid to an attorney from $600.
- Employees are not reported on a 1099; their wages go on Form W-2 through payroll.
These rules have exceptions, and whether a specific payment is reportable depends on the facts. We check each payee with you before anything is filed.
Deadlines
- Form 1099-NEC: filed with the IRS and furnished to recipients by January 31.
- Form 1099-MISC: furnished to recipients by January 31, filed with the IRS by February 28 on paper or March 31 electronically.
- New Jersey: copies of 1099s are generally due to the Division of Taxation by February 15, filed electronically, under the New Jersey employer withholding guide (NJ-WT).
Dates that fall on a weekend or holiday move to the next business day. If your business files 10 or more information returns in total, including W-2s, the IRS General Instructions for Certain Information Returns require them to be filed electronically.
What our 1099 service includes
W-9 collection and contractor records
We send W-9 requests to your contractors, follow up on missing ones and check that names and tax ID numbers are complete. We prefer to start well before year-end, so January is spent filing, not chasing paperwork. Not sure whether someone is a contractor at all? Read W-2 vs 1099: employee or contractor? first.
Totals from your books
We take each payee’s total from your reconciled books and separate payments that are not reportable, such as card payments, which are reported by the card processor instead, and reimbursements. If your books are not current, we bring them up to date first with catch-up bookkeeping.
Filing with the IRS and New Jersey
We e-file your forms with the IRS, provide New Jersey with its copies, and send each recipient their copy. You receive the filing confirmations and a summary for your records.
Corrections and late filings
If last year’s forms were missed or wrong, we prepare late or corrected 1099s. If the IRS has sent you a notice about information returns, we can help you understand it and reply.
1099s in QuickBooks
QuickBooks Online can track 1099 vendors and e-file forms, but only if the setup is right: contractors marked for 1099 tracking, payments mapped to the correct boxes and W-9 details on file. Our QuickBooks setup service configures this from the start, and a QuickBooks cleanup fixes it when vendor records are duplicated or miscategorized.
Part of year-end, not a separate project
1099s are one piece of closing the year. The same reconciled books feed your business tax return, and the contractor costs reported on 1099s should match the expenses on that return. Most of our 1099 clients are small businesses in New Jersey that keep their books with us all year through monthly bookkeeping.
Businesses that pay many subcontractors, like construction companies and auto repair shops, usually have the most 1099s to track.
The fee is quoted individually and agreed before work starts. Book a free review of your contractor payments before year-end.
