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I want to caution you about one thing that happened to me last year. I was in a similar situation and assumed everything was fine. Here's what I should have done: 1. First, verify your e-file was actually transmitted by checking your tax software status 2. Second, check your email for any rejection notices (sometimes they go to spam) 3. Third, create an IRS online account if you haven't already 4. Fourth, check both account and return transcripts 5. Finally, if nothing shows after 21 days, contact the IRS directly I waited too long assuming it was normal processing, but my return had actually been rejected due to an AGI mismatch from the previous year. By the time I figured it out, I was already 6 weeks delayed.
Have you tried checking your state tax refund status? Sometimes the state system will show acceptance even when the federal systems don't. Isn't it interesting how the two systems that should be communicating with each other often tell different stories? If your state shows acceptance, it usually means your federal return was also received since most software submits them together.
I believe this could be helpful, but I should mention that this isn't always reliable. Some states process independently from federal, especially if you use separate submission systems. It might provide a clue, though it's not definitive evidence of federal processing status.
Have you considered that this might actually be a good sign for your tax situation? Think about it - tax advance loans are essentially lending you a portion of your expected refund. If they're offering less, could it mean your actual refund is projected to be smaller? And isn't a smaller refund actually better financial planning? The ideal tax situation is to break even - not owe anything and not get a big refund. A large refund means you've been giving the government an interest-free loan all year! Maybe your withholding is more accurate now? You need to act quickly though - if there is an issue with your return that's causing a smaller refund, identifying it now could make a big difference!
Tax advance loans have changed significantly for 2024 filing season. Here's what you need to know: โข Advance loan amounts are typically 25-50% of your expected refund โข Many tax providers reduced their maximum advance amounts this year โข Credit requirements have become stricter across most providers โข The elimination of enhanced Child Tax Credit has reduced many refunds โข Some providers now use tiered approval systems โข Advance approval algorithms now factor in more variables I've seen this pattern across multiple tax preparation companies. The days of easily getting $2000+ advances are largely over unless you have an exceptionally large refund coming. Most people are reporting significantly lower advance offers compared to previous years.
Thanks for breaking this down. So it's not just me. My tax guy didn't explain any of this when I asked why my advance was so small this year. Good to know it's a system-wide change.
I'm curious, have you noticed if this varies by which tax preparation service people are using? I've generally found that the national chains have different advance policies than local preparers, and some might be more generous than others. Although it seems like most have tightened their lending criteria this year, from what I've observed.
Had this exact issue. Military family too. Moved three times in two years. Got my refund in April. Saw a 570 in July. Called IRS. They explained everything. Just routine verification. Nothing to worry about. Never heard anything else about it. Filed this year with no problems.
OMG I'm going through this right now and I'm freaking out!! ๐ซ I got my refund back in June and just checked my transcript yesterday and saw a 570 code from last week! I'm so scared they're going to take my money back or something. I already spent some of it on car repairs! Has anyone actually had the IRS come back and demand money after they already gave you your refund?? I'm literally losing sleep over this! ๐ญ
Think of a government shutdown like a snowstorm hitting government services - some roads stay open (essential services) while others close temporarily. Compared to the 2019 shutdown, SNAP benefits now have better contingency plans. Back then, many recipients got February benefits in January with no clear guidance. For taxes, it's similar to how banks operate during holidays - certain automated processes continue while customer service is limited. If you're expecting a refund, electronic filing and direct deposit is like taking the express lane during a traffic jam - still your best option even during a shutdown.
Did you experience any issues with amended returns during previous shutdowns? I filed an amendment last month and I'm wondering if those get completely stopped or just delayed.
Can someone clarify something about SNAP during shutdowns? If benefits get issued early like last time, do we still get the next month's benefits on schedule or is there a gap? And doesn't the IRS technically operate on user fees rather than appropriated funds anyway? Why would they even shut down?
I've been looking at the USDA.gov and benefits.gov websites, and I'm surprised how complicated this is! Apparently, the IRS is partially funded by user fees but still needs Congressional appropriations for most operations. For SNAP, each shutdown has different contingency plans - sometimes they issue benefits early, sometimes they have enough reserve funding for a month or two. It depends on how long the shutdown lasts and what emergency measures they implement.
Yara Elias
Been there. Done that. Missed 2020 taxes. Nightmare. Got letters. Penalties added up. Finally fixed it last summer. Don't wait. Get your W-2 copies now. File both years. Sleep better.
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QuantumQuasar
I work with tax resolution cases regularly. As of April 3rd, 2024, you can still file your 2022 return without triggering automatic audits. The IRS typically begins sending CP59 notices (non-filing notices) around September following the tax year. If you file before receiving formal notices, you'll minimize penalties. The Substitute for Return (SFR) process usually begins 18-24 months after the due date, which would be around October 2024 for your 2022 return.
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Keisha Jackson
โขI can confirm this timeline is accurate. When I missed filing in 2021, I received my first CP59 notice on September 17, 2022. According to IRC ยง6020(b), the IRS is authorized to prepare returns for non-filers, but they typically exhaust notification options first. My experience taught me that addressing it proactively is significantly less stressful than waiting for the automated collection process to begin.
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Paolo Moretti
โขBut doesn't the IRS have limited resources for enforcement these days? With all the budget cuts over the years, are they really tracking down everyone who missed a single filing? Or are they more focused on high-value targets with significant unreported income?
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