What To Do If One Of The Three Stimulus Checks Hasn’t Arrived
About 15 days after the IRS sends out your check, you should receive a letter from the agency confirming the payment. When the first round of stimulus checks went out last year, that letter included two hotline phone numbers because thousands of agents were available to help. But with the second and third rounds of checks, the IRS changed its tune, and these phone numbers may be disconnected.
Here are common scenarios that might indicate you need to look into your stimulus payment:
- If you’re one of the millions of people who qualified for the first stimulus check but never got it.
- If your second stimulus check has still not arrived.
- If you got a letter from the IRS saying your third check was sent, but never received the payment. Or, if the IRS Get My Payment portal said your payment was sent, but you didn’t get it.
- If you got some of your stimulus money from any payment, but not all of it.
You should also confirm you’re qualified to get the stimulus payment, since not everyone who received a previous check is qualified this time. If you think it’s time to take action, read for more options.
You Filed A Paper Tax Return
The IRS is facing a backlog of processing tax returns. The bad news is that if you filed a paper tax return, the delay will potentially be longer. How does this impact your stimulus check payment? If the IRS has not yet processed your tax returns, then they may not yet have your latest financial information- enough to issue a stimulus payment.
How To Check The Status Of Your Coronavirus Stimulus Check
If you’re trying to find out the status of your coronavirus stimulus payment, go to the IRS’s Get My Payment page. You can learn whether your payment has been issued, and if it’s coming by direct deposit or mailed check.
Learn more about the stimulus payments, including whether you qualify for one and what, if anything, you may have to do to get yours.
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Can A Debt Collector Take My Stimulus Check
Child support, taxes, and other debts to the federal government are exempt from garnishment, but a private debt collector can try to take your stimulus payment. While previous rounds of aid prohibited debt collectors from garnishing stimulus payments, that protection was not included in this third round.
Congress may consider new, separate legislation to shield this round of payments from debt collectors.
Why Did We Get Only Half The Amount
Many couples are finding that they are getting direct deposits for only a portion of what they think their stimulus payment should be. Some have gotten half of their payment deposited one week and half the next, and other couples are finding that their dependents’ share of the stimulus money is split between the two parents.
The IRS has explained that the first payment made might be based on a taxpayer’s 2019 tax return, and the second payment is a “plus-up” payment that is based on the taxpayer’s 2020 tax return.
The IRS has also said that part of the problem may be with “injured spouse” claims on a tax return. of only one spouse, the “injured” spouse can request a refund.) The IRS says that these couples will get their payments as two separate payments.
If you haven’t received the full amount, wait until you get your Notice 1444, Your Economic Impact Payment, from the IRS. That letter should have the correct amount of your stimulus payment. If you don’t receive deposits or checks in that amount, you may have to file a Recovery Rebate Credit . You can also read the IRS’s press release from April 1, which contains a lot of helpful details.
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How To Claim Your Missing $600 Or $1200 Payments
The stimulus checks are generally advance payments of a tax credit.
The 2020 tax returns now offer a section where you can claim the recovery rebate credit for either the first $1,200 stimulus check or the second $600 payment if that money is due to you line 30 of Forms 1040 or 1040-SR.
On that part of the return, filers can start with the amount of stimulus money they already received and calculate any more funds which they are due. That can be done either through a worksheet provided with the tax form or through tax preparation software.
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Check The Get My Payment Tool
The IRS website has been uploading data for your third stimulus payment into a tool on its website called Get My Payment. If your information has been updated, you’ll be able to see the date you can expect to receive your stimulus payment, or the date it was deposited or mailed. You should also be able to see whether your money was direct deposited or whether you’ll be receiving the payment by mail.
Many people are seeing a message that says either the IRS doesn’t have enough information yet or you aren’t eligible for the payment. This message doesn’t necessarily mean you aren’t eligible for the payment. This information may be updated this coming weekend.
Here are some of the issues people are seeing, either with their actual deposit or with the Get My Payment tool.
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Your Payment Hasnt Been Processed Yet
If you havent received a direct deposit or physical payment and the IRS Get My Payment Tool says Payment status not available, dont panic.
On that same page it should also state that If you get this message, either we have not yet processed your payment, or you are not eligible for a payment.
The eligibility requirements have changed from the last two rounds of payments, so pay attention to the new numbers to make sure you actually qualify this time around.
If the message you get from the Get My Payment Tool says Need more information, then your payment was returned to the IRS because it was unable to be delivered. In this case only, people who get this message can use Get My Payment to enter their correct bank account information. For direct deposit, this includes the name of your bank, your bank account number and your routing number. Do not try to contact the IRS via phone to provide bank information.
Know that the IRS only updates the Get My Payment Tool information once per day, typically overnight, so refreshing throughout the day wont yield any new information.
Eligibility For The Covid
Every individual making $75,000 or less will receive a check for $1,200. Couples making less than $150,000 and that file taxes jointly should each receive $1,200 for a total of $2,400, with an additional $500 for each child. Those making between $75,000 and $99,000 a year should receive reduced checks on a sliding scale. Those making more than $99,000 individually or $198,000 jointly are ineligible.
Eligibility is being determined by 2019 and 2018 tax returns, but for those that are not required to file taxes, the IRS has set up a separate tool. Follow the link in these instructions for non-filers. The government will verify your income for those years and, if you qualify and have a bank account registered for tax refunds, you should receive a direct deposit. If you dont have a bank account registered with the IRS for direct deposits, you should receive a stimulus check in the mail.
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How The Treasury Offset Program Works
Here’s how the Treasury Offset Program works:
If you owe more money than the payment you were going to receive, then TOP will send the entire amount to the other government agency. If you owe less, TOP will send the agency the amount you owed, and then send you the remaining balance.
Here’s an example: you were going to receive a $1,500 federal tax refund. But you are delinquent on a student loan and have $1,000 outstanding. TOP will deduct $1,000 from your tax refund and send it to the correct government agency. It will also send you a notice of its action, along with the remaining $500 that was due to you as a tax refund.
The Internal Revenue Service can help you understand more about tax refund offsets.
You Receive Social Security Or Other Benefits But No Extra Income
People who receive Social Security, CalWorks and CalFresh benefits, Supplemental Security Income/State Supplementary Payment/and Cash Assistance Program for Immigrants, State Disability Insurance and VA disability benefits, or unemployment income generally do not qualify for a GSS II payment if those benefits are their only income source, according to the state, noting that those forms are not included in AGI.
However, if the recipient has other sources that do count as adjusted gross income, they may qualify to receive a stimulus check.
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Most Undocumented Immigrants Are Ineligible
Before proceeding with any application to the IRS, one point to consider is that undocumented immigrants are not eligible for stimulus checks unless they are married to a citizen. Also, children of these couples with valid Social Security numbers would receive the payment.
The current $1,400 stimulus check law and the previous $600 stimulus check law provide for undocumented married spouses who have permission to be in the country to also receive the funds. However, the payment would be credited to the person with valid Social Security.
As part of the changes in the stimulus laws for the second and third rounds, this group was included, but other undocumented populations remain excluded from assistance.
For taxpayers who file jointly with a spouse and only one person has a valid SSN, the spouse with a valid SSN will receive up to a $1,400 payment and up to $1,400 for each qualifying dependent claimed on the 2020 tax return, the IRS states on its website.
As part of the first round, this group, both documented and undocumented, were excluded from assistance.
You Dont Qualify For A Stimulus Check Anymore
After much back and forth, the Democrats who control Congress agreed to a more targeted approach for this round of stimulus checks.
Individuals making more than $80,000 and couples earning over $160,000 get no money this time.
Previously, the cutoff thresholds were $100,000 for single taxpayers and $200,000 for couples filing jointly.
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Stimulus Check Postal Tracking
If your third stimulus check is going out in the mail, the US Postal Service has a free app that can notify you when it’s about to deliver your stimulus money from the IRS. This app is called Informed Delivery.
The tracking app automatically scans your letters and can alert you when they’ll be delivered.
There’s A Glitch With Your Bank Tax Prep Software Or The Irs
This explanation may be the most frustrating of all for people wondering where the heck their stimulus checks are. But a mistake made by your bank, the IRS, or the tax-prep software you used to file returns could screw up your stimulus payment.
As the Washington Post reported, the stimulus payments for millions of taxpayers may be delayed because of a glitch with tax-prep software firms, such as TurboTax, H& R Block, and Jackson Hewitt. The IRS might not have direct deposit information for you if you used one of these services and received an advance on your tax refund, or if you paid for the service by deducting the fee from your tax refund. And if the IRS doesn’t have your direct deposit info, your stimulus check will be delayed. If you think this situation applies to you, use the IRS Get My Payment app to provide the agency with your direct deposit details.
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I Had A Problem With The First Or Second Payment
Some individuals had too much income in 2019 to qualify for the first or second stimulus payment , but their income decreased enough in 2020 for them to qualify. If you fall into this category, you can file a tax return for your 2020 taxes and you’ll receive a recovery rebate credit as part of your refund .
In other cases, families received stimulus payments by direct deposit but the IRS neglected to add money for one or more of their children. Sometimes there didn’t seem to be a reason for this . For other families, it seems the IRS did not update the number of children that taxpayers have, even for families who claimed new children on their 2019 tax returns. You’ll be able to claim the rest of the stimulus payment when you file your next tax return.
The Irs Is Sending Out The Stimulus Checks In ‘batches’
The IRS has a juggling act as it distributes these stimulus checks at the height of tax season. IRS Commissioner Chuck Rettig promised in a news release that the multitasking wouldn’t slow the delivery of relief payments he said were needed by millions of Americans “to cope with this historic pandemic.”
But even with IRS employees working around the clock, getting the stimulus checks out is a huge task for the tax agency. So, it’s splitting the aid payments into batches.
The first batch of direct deposits started arriving last weekend and included 90 million payments worth more than $242 billion, the IRS says in a news release. Another batch was to go out this week, with more to follow in the coming weeks.
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Heres Why You Havent Received Your Stimulus Check
There are many people who have received their third stimulus check, while others still havent. If you see Payment status not available, alert on IRS website, and wondering why you didnt get your stimulus check yet, here are the possible reasons:
The IRS didnt process your payment yet
The IRS is sending out the stimulus payments in batches, so it will take some time to send out these payments to millions of taxpayers.
Your bank account information is changed
If your most recent stimulus payment was sent to a closed or inactive bank account, your bank must return that payment to the IRS. You cannot change the bank information that the IRS has on file. You will have to wait until the payment is returned to the IRS and then you will receive a paper check or debit card, and this process may take several weeks.
You moved or changed your address
If you moved or changed your mailing address, then the IRS may not have your latest address on file. You must notify the IRS by filing Form 8822, Change of Address or use your current address on your 2020 tax return.
Your tax process may have not been completed yet
If you already filed your 2020 return, it may have not been processed on the IRS system yet. If you mailed in your tax return rather than electronically filing it, paper return processing time takes way longer.
You dont qualify for a stimulus check anymore
The money has been garnished by a debt collector
You havent filed taxes for the last two years
Can A Nursing Home Or Assisted Living Facility Take The Payment From Me
No. If you qualify for a payment, its yours to keep. If a loved one qualifies and lives in a nursing home, residential care home or assisted living facility, its theirs to keep. The facility may not put their hands on it or require somebody to sign it over to them. Even if that somebody is on Medicaid.
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If I Receive Social Security Or Supplemental Security Income When Will I Receive My Economic Impact Payment
Date: November 18, 2021
The Internal Revenue Service has paid EIPs to Social Security beneficiaries and Supplemental Security Income recipients.
If you did not receive all the EIP amount you think you and your family are eligible for that was provided in the American Rescue Plan, you should file a 2021 Federal tax return in 2022 to claim the amount you are owed.
Ask : Who Do I Contact If I Havent Received My Stimulus Check
Ana Gonzalez, Digital Content Producer
At KPRC 2, were dedicated to keeping Houstonians informed. As part of our Ask 2 series, the newsroom will answer your questions about all things Houston.
Question:Who do I contact if I havent received my stimulus check?
Answer: If you are expecting a stimulus check by direct deposit, check the IRS Get My Payment tool on the status of your check. You should also expect a confirmation letter from the IRS.
You can also conduct a payment trace by calling the IRS Payment Trace tool at 800-919-9835 or fill out IRS Form 3133.
Keep in mind any changes such as direct deposit information, as the IRS is using both 2019 and 2020 tax information to send out stimulus checks.
Do you have a question? Send it our way, and we will try to hunt down an answer.
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