New York State Taxpayer Rights Advocate Margaret Neri reminds taxpayers not to delay filing their personal income tax return if they owe money but can’t immediately pay. The Tax Department can help taxpayers avoid or reduce penalties and added interest. Taxpayers who can’t pay what they owe all at once are encouraged to submit a completed tax return by the April 15 deadline and pay what you can afford now then request an Installment Payment Agreement. Get details at tax.ny.gov