Has anyone tried using tax software like TurboTax or H&R Block for situations like this? I had a similar issue last year and TurboTax had an option for "I didn't receive my 1098" that walked me through estimating my mortgage interest.

I went through something very similar when my mortgage servicer got bought out mid-year and the old company basically vanished. Here's what worked for me: 1. **Check your closing documents** - Your original mortgage paperwork should have the loan amount, interest rate, and start date. You can use an online mortgage calculator to figure out exactly how much interest you paid each month. 2. **Look for automatic payment confirmations** - If you had autopay set up, your email should have confirmation receipts that show the breakdown of principal vs interest for each payment. 3. **Contact your new servicer again** - HomeSecure should have received your complete loan history when they took over. They might be able to generate a year-end interest statement even if they can't get the official 1098 from the old company. 4. **File Form 4852** - This is the "Substitute for Form W-2, Form 1099-R, or Form 1098" that the IRS provides exactly for situations like this. You attach it to your return along with documentation showing you tried to get the original form. The key is having reasonable documentation of your attempts to get the form and using the best available information to calculate your deduction. The IRS understands that companies go under and records get lost - they just want to see you made a good faith effort to be accurate.

Depends on if you got any 'special' codes. Mine got the infamous 570 and now im stuck in verification hell

Been in the same boat! Filed 2 weeks ago and just got my first transcript update yesterday. Like others said, Friday mornings seem to be when most updates happen. Don't stress too much about checking daily - the IRS moves at their own pace regardless of how often we refresh that page 😅

The verification of non-filing letter is totally normal for recent filers! I had the same panic when I filed early last year - acceptance doesn't mean processed. The IRS basically sends you this letter as a placeholder until they finish working through your return. Once they complete processing, it'll switch to showing your actual return transcript. Just keep checking weekly, and don't worry about the "no record" language - it's just their standard wording for returns still in the queue.

Same situation here! Filed on 2/6 and seeing the exact same non-filing letter. Was starting to wonder if something went wrong with my e-file but sounds like this is just standard procedure. The IRS really needs to update their wording though - saying "no record of processed return" when they actually DO have your return but just haven't finished processing it is super confusing for us taxpayers. At least now I know to stop obsessively checking every day and just wait it out 😅

Has anyone checked the IRS2Go app to see if it shows different information than the website? According to https://www.irs.gov/refunds, the app sometimes updates before the website. Also, are you checking your transcript or just WMR? I'm finding conflicting information online about which cycle codes update on which days this year.

I feel your frustration! I went through the exact same thing when my cycle code switched from 05 to 01. The waiting game is brutal when you see others getting updates and you're just sitting there hitting refresh. From my experience with cycle 01, your transcript should update tomorrow (Tuesday) morning around 6-7 AM EST. The key difference is that cycle 01 processes Monday nights instead of Friday nights like cycle 05. So while your 05 friends got their updates this past Saturday, you're on the Tuesday schedule now. Filed 2/17 and accepted 2/19 puts you right in the normal processing window - you're actually ahead of schedule compared to the typical 21-day timeframe. I know it doesn't make the wait any less annoying though! Try checking your transcript early tomorrow morning before you check WMR, as transcripts usually update first. Hang in there - being cycle 01 actually tends to be faster overall once you get used to the Tuesday update schedule! 🤞

I'm going through almost the exact same situation right now! I'm a dental hygienist who did fill-in work for about 6 months last year and just got hit with a massive tax bill that I wasn't expecting at all. Reading through all these responses has been incredibly helpful - especially learning about the self-employment tax being 15.3% on top of regular income tax. No wonder my bill was so high! I had no idea I'd be responsible for both the employer AND employee portions of Social Security and Medicare taxes. I'm definitely going to go back through my records and look for all those business expenses everyone mentioned. I bought several sets of scrubs, renewed my license, paid for continuing education, and drove to 4 different offices throughout the year. I kept most of my receipts but never thought to track mileage - lesson learned for next time! For anyone else in this boat, it sounds like the key is being really thorough about documenting legitimate business expenses on Schedule C. Even though the tax bill is still going to be substantial, every deduction helps reduce that painful self-employment tax calculation.

As someone who just went through this exact situation as a dental hygienist doing fill-in work, I completely understand your shock! The $2,000 tax bill hit me like a truck too when I first saw it. The key thing to understand is that your $9,200 from dental work isn't just subject to regular income tax - it also gets hit with self-employment tax of about 15.3% (Social Security and Medicare taxes that normally get split between you and an employer). On $9,200, that's roughly $1,300 in self-employment tax alone, plus whatever income tax applies. You definitely need to file Schedule C since you received a 1099-MISC. But here's the good news - you can reduce your tax burden by claiming legitimate business expenses. Things like: - Scrubs and uniforms (if they're specialized for dental work) - License renewal fees - Continuing education required for your license - Professional liability insurance - Mileage between different offices (not your regular commute) - Any dental tools or supplies you purchased Start gathering receipts and calculating your business mileage. Even if you don't have perfect records, you can reconstruct reasonable estimates based on your work schedule. Every deduction reduces both your income tax AND self-employment tax, so it's worth being thorough. The tax software is probably calculating correctly - it's just that nobody warned us about how self-employment taxes work! Set aside about 25-30% of any future 1099 income for taxes to avoid this surprise next year.