Debt Elimination Companies

The black hole of personal debt? When married to my ex, who was in the military, I got a Star Card, which is a credit card for the military shops. My husband at the time co-signed. When we were getting divorced, he told me he would pay it off because they wouldn't let him retire until that account had a zero balance. (Not in writing). Well, I'm re-married, and the IRS just took our tax return of $2086.00. They said it was for a past debt, and after researching, I find out it's due to the Military Star Card not being paid off. Now my new husband is mad at me and I am filing an "Injured Spouse" form for him, but he doesn't understand why they would take part of his income tax and not any part of my ex's since he was co-signer. My husband pays his ex about $2000 a month in child support and other "child essentials" and I get no child support. We are sinking into a black hole of debt fast! Any suggestions or financial words that may help? I need some great advice from people! I'm getting extemely stressed and depressed! Yes, I work full time. And although the parenting plan states my ex pays me child support, that was when he was in Iraq. He is home now, for good, and I agreed to shared custody, no support. However, he also had the benefits of using this card, such as a new computer, new TV, etc. It wasn't just me.

irs question. please help!? Hi, me and my husband filed taxes together (it took long cause i had to get a taxid number). the page where u check ur refund status says following: Your refund has been applied to a past due obligation such as child support, another federal agency debt, or state income tax. The Financial Management Service, who issues IRS refunds, will send you a notice informing you of the offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. If you do not receive the notice within two weeks, please call the Financial Management Service at 1-800-304-3107b we both dont have child support to pay... never got any court letters about child support so that cant be it, we did owe some money to a credit company. could that be it? Whats going on?

help with 8857 tax form? i just did my taxes with turbo tax and we filed a 8857 injured spouse form, after reading it it states "did the IRS use your share of the joint refund to pay any of the following past due debts of your spouse: federal,state taxes , child support, spousal support, or student loans" if yes then stop here and file 8379. well last year they took our whole return of $5,200 and sent it to my child support and my student loans. so what is this 8379 form and how do i go about filing that if i already filed my taxes e-file with 8857 injured worker?

My ex owes Child Support. I have it set up for his income tax refund to be intercepted. Can the IRS take the? Can the IRS take the refund that is due me for back support if I owe the IRS taxes from 2009? I went on the IRS site to check the status of the refund and it actually adjusted the amount by increasing it and states it will be direct deposited this past Friday. It also states the Financial Management Services will be given the money. I am unable to obtain any information from the IRS or CSE. Does anyone know if they can take the child support money and apply it to my outstanding tax debt? Thanks for the help!

California state tax return help? I filed a IRS tax form...I filled out my form using online service. My federal tax form was accepted by IRS. I chose mail option...so, I mailed my tax form to IRS. My state tax form is accepted by california state. Do I still have to print out the form and mail it to state?? When I checked my refund status, it said: Please read the following information related to your tax situation: Tax Topic 203 - Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. What is this means?? I am single with no children. I dont have any debt. Does anyone knows this means?? What should I do??

Tax Refund - Tax topic 203 Anyone?!? "Please read the following information related to your tax situation: Tax Topic 203, Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations" "Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice." I went to look for my REFUND STATUS @ "https://sa2.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp" and discovered the message above! Except. #1: I don't have any kids, biological or adopted. #2: I don't owe any Federal or State income tax. I claim ZERO (0) on all forms on purpose in order to overpay my taxes throughout the year and obtain a little refund; therefore all my obligations are more than caught up. I have no OUTSTANDING DEBT, anywhere that I am aware of. I have methodically observed my CREDIT report and have not defaulted in anything. SO, I am really confused right about now. Is this something that is sent to everyone?! Or what the heck is going on?! HELP PLEASE. I am stressing a little. This is my money and I should not have to give it away. Thank you.

Help! tax return question? I should be getting a check in the mail soon but when I went to where's my refund it said my refund was mailed I got a message under that which said: Please read the following information related to your tax situation: * Tax Topic 203, Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. did anyone else get this message? I called and it said "no debts were found in their database. However debts are added daily" I know don't owe any taxes or child support. Am I in the clear? I just got it in the mail a second ago. I guess I was worried for nothing. thanks Lady L. You definitely got best answer

I owe back taxes of 1500, I am owed 2900 this year. Efiled and accepted, with refund due 10 Feb 2009? Will my refund be delayed or will the IRS computers just take out the money owed and send me my refund as fast as people who owe no money. My dad reckons IRS just deducts the money owed and sends the refund as normal with a letter later to explain the different amount. Can tax expert/ex IRS/person with similar issue in the past please assist me. I know its not a big amount but I just lost my job and the refund will help. According to the automated FMS hot line my debt is not yet listed, (1800 304 3107) is there a chance the money owed wont be deducted this cycle. Does any one know what day the IRS makes the payments. Thank you.

Joint allocation form? Who is the injured spouse...? I am filing my brother's taxes and he needs to file a joint allocation form. He still owes past due child support so he doesn't want to affect his current wife's refund. So on the joint allocation form ( I am using an online tax service) who is considered to be the injured spouse? Would it be him (the one who owes the debt) or her? And another question on this... It list the joint amount of the return for wages, deductions, credits and so on and then has a space for you to enter the amount that should be allocated to the injured spouse. How do you figure this amount out? I don't know what to enter and I have already referred to the IRS's website and can't get a clear answer. ANy help would be appreciated.

What to do when you have fraudulent activity due to someone else filing taxes under your name 5 years ago? My little brother (25) hadn't received a tax return for the past 2 or 3 years. This year, after not receiving his return, he contacted the IRS, and they said that back in 2005, he filed taxes and said he made over $30K that year. He was in College and receiving Financial Aid that year and didn't file taxes claiming that he made that kind of money. Then, apparently 10 years ago when he was 10, he had 2 unpaid credit cards in his name and SSN over $10,000 in debt. But he was 10. Now he's finished college, and he can't get a job anywhere because all the places that are hiring (at least in the state of IL), are running people's credit. Since he's got this fradulent stuff on his credit, he keeps getting turned away after having awesome interviews! He has tried calling the IRS to figure out what to do about this and they're not helping him at all. They say it's not his concern. He tried calling the local police and they said they can't do anything about it. I suggested he call the FBI, but he said they wouldn't do anything. Someone out there in the world is using my brother's SSN to open accounts, file taxes, and who knows what else. What can be done to fix this mess?

What are my options for $25000 in credit card debts? I have about $25000 in unsecured credit card debt spread out over 9 credit cards (BofA, Citi, Mrk, WFG, Chase, Dell, Macys, Target). Why this much? I was dumb and stupid and have no sense of money management but was also married and made some bad business investments. I am now divorced. Majority are now at penalty interest rate!!! OK so I have everything on a payment plan (except WFG that is soon to charge off) but here lies the issue. I have zero savings and my FICO score has already dropped to 475. The home bills (mortgage, utilities & vehicle) takes more than half my monthly income. My biggest concern and fear is that I have my first child coming this December and don't want her to suffer due to Dad's mistakes. My girlfriend has her own financial issue with the IRS for almost same amount as my debt, so I do not get help from her and I can't help her own issues. But I need to start paying the hospital bills from the new baby, and the mom needs come break too. Please advice: 1) Should I cut and run for the next 3-5 years and settle these debts later? Build a savings right now for the baby and her mom too. I am pretty confident I can take care of it later down the line. Maybe save up then start approaching them one by one (in about 12-15 months) and offer lump settlements. 2) Should I file for chapter 13 and get a court's help on repayment; thereby reducing some of the outrageous fees and interest? 3) Should I go for those special payment plans with companies you see on TV? I have seen more negative comments than positive regarding this option Any advice is appreciated and feel free to criticize my past actions. I can only learn going forward. Before I didn't care but now I have this lady and kid, and they both take priority so I feel I should change the situation fast. FYI, I am no longer using them for new purchases. Its just I ignored them for a while when I was going through the divorce proceedings and changing jobs which resulted in the high penalties I am facing. I have tried in the last 90 days to put everything on a fixed budget through payment plans but other issues and medical bills keep coming up. So far the medical bills have not been paid and are at $1500 total; and the baby is still to arrive in December. To sophieb & Timothy P, thanks for the advice, I am reviewing the best option going forward. Sopheid, a little more details: It is my first child and we are not married yet due to the IRS issue. Yes it was poor planning but I am happy I am having a baby finally; after trying for more than 5 years and divorcing for reasons connected to that. I will explore the option you mentioned. Current salary is $70K which I just started last 2 months, about $4k monthly after taxes. Like I mentioned Mortgage (GF house!) and utilities and transportation is consuming about $3000. My GF is helping as much as she can, but she makes less than half my income and has 1 kid already. My issue is that, regardless of all being on a payment plan except for 1, the debts are not reducing. I feel strongly I need to start saving for medical bills and baby's arrival and do not have the room currently to do so. This is why I am exploring alternative options.

Can creditors (excpet IRS) force you to pay your past due debts if you sell your home? Say I owe 200k to hospitals, credit cards, etc. If I decided to sell my house next month, go to closing and collect the cash to pay off the existing mortgage and keep the remainder in a savings account or someone elses bank account, how can the creditors A) know that you sold the house and have profit and B) once they find out you do have profit, how can they force it out of you if the money isn't even in your own checking or savings account?

i have 3 judgemnts for credit card debts, i pay the irs/state for past due taxes what will i have to pay? i pay new york state and the irs every month, do they figure this in when caculating what you have to pay towards the judgements and do i have a choice if i want 10% of my gross income or 25% of my dis[posable earnings

penalty for debt write off...never receive notice to report to IRS and not sure if debt is mine.? I have a Creditor that has written off a past due debt. The Creditor has reported to IRS the amt of write off and claims that it is an account of mine. This is 2007 the write off is for 2005 in which the Creditor claims to have sent me something to claim on my Taxes for 2005. I haven't seen anything inregard to claiming any interest on my taxes. I did not recognize said Creditor on IRS letter and I have written a letter to the Creditor with no response and it has been over 30 days now. I've review my Credit Report and did not recognize any such creditor or amt said write off listed on the IRS letter. IRS is stating I owe them 800 dollars due to not reported interest. I have no proof that this account is mines. What can I do?

passport denial due to IRS debt? i am set to go to england in less than two weeks, and i have an appointment in 2 days with a passport bureau to expedite the renewal of my passport. however, i owe $1100 still on my taxes from the past year. i will only be gone for one week. does anyone know positively whether or not the IRS can put a hold on my passport? also, i have not yet set up a payment plan with them.

We Filed Taxes in Jan with Injured spouse form due to my past debt received all of refund back.? Check IRS webpage for stimulus payment and it said that it was due to be mailed out May 23 and I expected 1/2 of it back Received a letter in the mail today from Financial Management Service saying that the entire stimulus was to be taken? So after I spent almost a hour on hold with the IRS the guy told me the injured spouse 8379 was never accounted for even though I filed it with the 1040A? Gave me a IRS number to call which said the office was "closed" (t's 400pm here) Im ready to pull my hair out Anyone else having issue with Injured spouse and stimulus payments? Yes I got the letter from the IRS saying I was getting 1500 back and then the letter from the Financial Management Services saying that all of it was being taken.

Does anyone have any experience filing bankruptcy for debt to the IRS? I owe over 30,000 in past due income taxes, greater than 3 years ago, and my last year is paid in full. Is bankruptcy an option?

Am I responsible for paying my new husband's past tax debt? We were married last year and will be filing out taxes together this year. My husband owes money to the IRS (due to a poor business decision that he made while self employed a few years back) that he makes monthly payments on. He has said that if he has been owed a refund in the past that it was just applied to his debt. If we file jointly will our joint refund automatically go towards his tax debt? Also, we have a young son and cannot take the child tax credit or deduct his childcare expenses if we file separately. Thanks to all who mentioned the "injured spouse" rule. I found that this form relieves me of responsibility for his debt and will allow me to keep my part of the refund. Also, to avoid any confusion this rule has nothing to do with someone having actually been physically injured.

what are some causes for the irs to reduce your federal refund? when i went to the webisite it said? Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice.

I have a tax refund question.I checked my refund status on the irs website? It said my refund was mailed on the 8th but at the bottom there was a note that said my refund may be reduces to pay a past due obligation such as child support or another federal agency debt. It did not have this note until they said the mailed the check on the 8th before that there wasn't anything there. So can anyone tell what that means are they taking my refund?

i went to look at the status of my income tax n this is what there telling me what does this mean? Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice.

IRS child support offset question? My sister's husband called the irs offset hotline to find out if his past due child support (about $2500) will be taken out of his rebate. The recording said they had record of an offset and record of a debt. What's the difference? When he pressed the number for the offset information, he was told an offset in the amount of $152 was sent to child support services. The recording instructed him to call the department of child support services for info on the debt. Unfortunately, they haven't been able to get through for days.

Would you hide money from your spouse, if you knew he/she was really horrible at handling money? My husband has got to be the most un-responsible person when it comes to money. I must have been blind to not see this before we married, but somehow I didn't. Over the years that we have been married, he has made alot of really bad financial decisions, and has proven that he can't be responsible with money. I have had to bail us out of more bad situations than I can count, and he always just hangs his head like a scolded puppy and says "Sorry." Given enough time, he'll do something again, and I'll be left to find a way to bail us out of trouble. He has a past due debt against him, so every year I have to file an injured spouse form with the IRS so that I can get my part of the refund. This year they took 1/2 the total refund for his debt and also took 1/2 of that stimulus check too. We had signed up for direct deposit, so it was deposited into my private account.(He has no access to my account due to his past problems.) He was out of work for 2 months recently. He says he was fired, they say he quit, and I can't seem to get the whole truth from anyone involved. But either way, he lost his job and has been out of work for 2 months, meaning I have had to cover all the bills, plus I have had to take care of more of his financial screw ups along with those. I have scrimped and saved money for the past 2 months, and that along with the two IRS refunds, have made my account have a good amount in it. (We aren't rich by any means, but we have enough to get by and to take care of things that we really need.) I haven't told my husband about the money in this account. Since he doesn't have access to it, he had no clue how much is in there. I don't feel I should tell him, because one of us has to be the responsible one, and it obviously won't be him. Since I know how irrisponsible he is, isn't the responsible thing for me (As a mother) to not let him know about this money, and take care of things? The reason that I don't want to tell my husband about this money is, if I do he is going to find something that he "Has" to have. He has a bad habit of coming to me and saying "Where's your card?" which means where is my debit card. I'll ask what for and he'll say that he needs gas or a part for his truck or something for the house or lawnmower, and then when I check the receipt I find out that he added 3-4 packs of cigarettes, a Dr Pepper and a snack to it. So basically, if I give him access to this money, he'll not only try to blow it on junk we don't need, he'll also spend more than he tells me he is going to spend. Even though he doesn't have access to my account, he can very easily take my debit card out of my wallet, or he'll hound me and hound me until I give in and let him have some of the money, then that puts us that much further behind on things we need, or that our kids need.

Cancellation of Debt laws? How is cancellation of debt supposed to be reported to credit bureau? If taxes have been paid from reported 1099-c to the IRS by a consumer, can a business still report the account(s) as a collection/past due on the consumer's credit report? Is there law/statute on this and where can it be found on the Internet?

can the IRS come after me if I marry my boyfriend and he owes taxes? My boyfriend and I have been together for three years and he has bad credit and owes the IRS. (this is from a few years ago young and dumb i suppose) Anyway, he owes a couple of years of taxes from prior to us getting together. I want to get married but worried about that issue he meets with the IRS next week to work out a payment arrangement for the past due taxes. IF we got married would this affect me? Would I personally be responsible for his debt? Could they take my house that I own? (No mortgage on it own it strait out) If I were to purchase a new house could they put a lien on it if my name was the only one on the mortgage? Any advice or personal experience on this sort of situation would be greatly appreciated! I live in Pennsylvania.

Stimulus checks stimulate frustration...At least for me? Ok, I just read this in an online newspaper regarding these stimulus checks that most of us are to get. I say "most" as I am a proud owner of a student loan that isn't behind by much, but behind. "Some taxpayers may get a smaller stimulus payment than they expect, the IRS said. If you have a past-due federal or state income tax bill or some other type of past-due federal debt such as student loans or child support, your stimulus payment likely will be reduced by what you owe." I guess I should be relieved that my loan will be paid down somewhat. I would have just blown it on the $400 per month that I pay for gas to drive to work anyway! Anyone else in my boat?

What federal law states that a debt has to be charged off in 180 days? I have been searching on the internet and keep seeing statements like this: "By federal law, financial institutions are required to write off accounts that are more than 180 days, or six months, past due. However certain banks charge off particular loans after the 207th day of non-payment." Can anyone tell me what US Code this falls under?? Or is it a IRS regulation to give the creditor a tax write off. I understand that a debt is a debt until u pay it, just would like to know is it a federal law or not? Chapter 7 Bankruptcy law applies to charging off debt when a company or individual cannot pay. I would like to know when you don't pay a creditor, when do they have to charge if off. Thanks

Will a $5000 deposit to my 2nd chance ckng acct get liened if I owe the IRS? I still owe the IRS over $10k due to admittedly stupid acts by me in the past. And my credit is terrible. I have a '2nd chance' account' with a popular Texas bank that required no credit check to open. I deposit my paycheck there, avg. $450-$550 per weekly deposit. But now, due to an estate settlement, I will soon receive an initial payment of c.$5000 and monthly payments of c.$2000 per month for about 4 years. I am working with a debt counselor re other debts but I am behind to the IRS. What is likely to happen when I deposit the $5000 into my account?

Family business conflict involving the IRS? Our family owns an office building together. I did not pay my taxes due to personal problems for many years. The IRS agent, who said he would give me over a year to resolve the problem myself after I explained that I had a terrible relationship with my family, and that I was unemployed, went ahead and contacted my family about the debt. The family/partnership members have called a partnership meeting for tomorrow, Monday, and I am unable to attend due to some temporary work. I responded to that effect this past Thursday, but the meeting date has not been changed. Is this legal? One of my family members, according to the IRS agent, asked if the business paid off my tax debt, could I then be ousted as a partner. He told them he didn't think so according to the LLC Operating Agreement. My share is worth far more than the tax debt and it was alarming to hear that this family member would try to take my equity away. This same family member mentioned that my share of the office building would be discounted by 40% due to the share being part of a partnership. I spoke to an appraiser who said that the most a building would be discounted was 20 to 25% and that 40% was outrageous. Any advice? Thanks!

Debt collectors harassing and rude ? Hello all , here is my question I received a call from a collection agency Wednesday which kind of shocked me plus she was borderline rude etc no real rude best describes her. She said I have a balance with the VA state tax for tax year 1996 the amount is $1740.00 ok This is the first i became aware of this issue on Wednesday past I had cancer back then was married etc.. So I called the Va tax dept she noted my account and is mailing me info re the debt I am not working now also due to this economy . Then today the collection lady calls me askes if i am going to pay i said i am waiting info and paperwork from the VA DEpt of taxation she said she didnt care and was going ahead to get the money in whatever ways she wishes I do not have property etc and have money in the Bank what can they do ie i heard about it Wednesday she said they are proceeding with collection action Please advise oh the tax return was a joint return for the state not the IRS I also have a credit with the IRS for $3200.00 as i filed an amended return they accepted it so wow but they have not sent me a check just shows i have a credit on my account .. ANy advice gladly welcome Question is in the next few days will can they go to my bank account and take that money how long does it take for them to and if to do this action.. A few of you asked me re whos making the claim calls etc Its a collection agency "Diversified Collections" I am not get calls from the VA Dept Of Taxation State . The lady from that agency called me this am and she was wow so rude and said they will be proceeding with their action .I expalined I am awaiting paperwork back from the VA State Tax regarding what specifically the debt is for in more details they have noted that i am not working .I do have money but just not working between contracts .Dont i have to receive notification before they can withdraw funds from my account ??? Okay got some good answers No 1 I dont need and smart rude answers please I know Mcdonalds is hiring I will check them out and Wendys etc thanks for that bit of info I was not aware of If you read my question correctly I was not inquiring as to who is hiring i was asking a question re debt collection Process Procedures Not looking for sarcastic answers from people who dont think outside the box or just want to make themselves feel good Look good at the expense of others .. Life can be tough enough at times without taking jabs at others even though you dont even know them or thier situations Look before you leap.. And yes I have called the collection agency and yes I have called the VA dept Of taxation if you want to send me a rude answer dont bother .. Sincerely Mary

Tax Refund-Any1 get theirs offset/garnished? Hey All, Good to see the board is still doing well! I have a question for you all, please. I got this msg on 'Where's my refund' site; Refund Status Results Please select this button to print your Refund Results for your records. Your tax refund is scheduled to be direct deposited on March 16, 2007. If your refund is not credited to your account by March 21, 2007, check with your bank to find out if it has been received. Please wait until March 21, 2007 before you contact us again because we are unable to take any action until then. HERE-> Please read the following information related to your tax situation: * Tax Topic 203 - Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. I am wondering did any of you get your refund and have the part where I put 'HERE->' and still got your refund anyway? I am trying to figure out if they put that there because they know I am being offset/garnished or if they put that at the bottom of your refund deposit notice as a disclaimer for everyone. I don't recall it being there last year, but maybe I just don't recall, damn tree's making me forget stuff lol. I called the FMS (financial management services) about the defaulted student loans but they say it 'may' be garnished. Whatever nonsense that is, like uh tell me yes or no dammit lol. Anyway, thanks for any reply's!! Sean

Does anyone have any actual details on the 700B bailout plan? I spent the past several hours trying to research this, and I only get more questions. And I think that if the American public doesn't wake up and pay attention they deserve what is coming down the road! The government is going to spend $700B on purchasing "toxic debt". It was my understanding this was bad mortgages, but others in the banking commission want to include other debts, like loans and credit card debts. Now stay with me.... The "plan" is to then sell these worthless debts, hopefully for a profit. This will bring back the $700B investment. It may take several years. Is it me? Doesn't this sound an awful lot like our government is proposing to become the worlds largest zombie debt collector? Can you imagine having a debt that you THOUGHT was written off, and now the government has control? Do you know how hard it is to get away from a student loan? You can't discharge it in bankruptcy. The government has many avenues to collect that normal collection agencies don't have. So imagine your 6 year old credit card debt that you thought had gone beyond the SOL. Now the government could come after you. Ever hear stories about what the IRS did to force collection on past due taxes? I think we need a lot more answers before we approve this plan. And the total lack of details that I have read scares me. I do not trust this at all. Over_900.....huh? I'm sorry but I lost my magic decoder ring years ago. Slimick....If you are going to try and point fingers at political parties, you are not going to get very far. All Bush ask for was a bailout plan. Congress has to write it and submit it. This is being put together by the banking and financing committees in the Senate. Both are controlled by the Dumocrats. And they are more interested in packing these bills with pork. More unemployment benefits and other spending??? You don't think $700B is enough already. Spiff....I'm scared. The angels are not singing, butterflies have disappeared, the grass is not green on either side of the fence.....and I can't "pack my bags" and go away because the darn airlines are charging us by the bag now! I'm stuck with this mess!

There is a chance my tax refund will be offset because of a RECENTLY defaulted student loan...? but I recieved standard IRS status update..."We have received your tax return and it is being processed. Unless we find mistakes or you owe other taxes, you should receive your refund by February 2, 2010" and NOT the message many expect when having unpaid debt..."Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice." WILL I GET MY REFUND? P.S. The treasury offset # says my refund "May" be offset, anyone still recieve tax refund a couple months after falling into default status???

I received Tax Top 203 on "Where's my Refund" Anyone else receive this message? Is it a generic message? I am expecting my tax return any day now- I check "Where's my Refund" from time to time for the status- I filed with Turbo Tax on January 17 and the IRS accepted my refund on the 18th- At first it was to be mailed out on January 30th- Then it was pushed to February 6th- This morning when I checked, "Where's my Refund" I received this message: Please read the following information related to your tax situation: * Tax Topic 203, Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. I called the phone number provided (FMS can be reached at 800-304-3107) It was automated and asked me for my SS#- The automation said I had no offsets??? I am baffled- I don't remember ever seeing this message before and I;m worried since my original date of mail out was January 30th and it was pushed to February 6th- I don't have children and I don't owe any money that I know of- Wouldn't FMS tell me if it was offset? I want to speak with a real person- Is this a generic message that everyone receives? What scares me is that it says "Please read the following information related to your tax situation" - I'm curious if anyone else has received this message??? Thanks

Where's My Refund "Tax Topic 203"? does eveyone's status say this? So it says my refund was sent on March 7th, but underneath it, it also says this,.... Please read the following information related to your tax situation: Tax Topic 203 - Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice... does everyones status say this as a warning?, cuz the only debts i have is on my gas credit card($125)....does that count? or are they talking about loans and stuff like that.

Tax offset question? Ok so i checked my refund status and this message popped up. I do not owe any arrears nor do I or my husband owe any debt to any federal entity. Are they required to put this there for people who are filing married filing jointy, as we just got married. HERE-> Please read the following information related to your tax situation: * Tax Topic 203 - Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notic

I was wondering if this was just a default on the Where's my refund site.? Refund Status Results Your tax refund is scheduled to be direct deposited on February 13, 2009. If your refund is not credited to your account by February 18, 2009, check with your bank to find out if it has been received. Please wait until February 18, 2009 before you contact us again because we are unable to take any action until then. Please read the following information related to your tax situation: * Tax Topic 203, Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. I can't think of anything that i haven't paid?? Is this just the default message on the site??

what does this mean? I checked my status on my federal tax return and it said that it was mailed on Friday and that i should receive it before march 21st then it goes on to say this Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice.

Did anyone else get this message this morning concerning their Tax refund being deposited on February 6th? Do you think there will be a offset? Or is this the general statement? "Refund Status Results Your tax refund is scheduled to be direct deposited on February 6, 2009. If your refund is not credited to your account by February 11, 2009, check with your bank to find out if it has been received. Please wait until February 11, 2009 before you contact us again because we are unable to take any action until then. Please read the following information related to your tax situation: * Tax Topic 203, Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. " I do not owe back child support. I have been married to the same man, the father of my children for 17 years. Checked with my bank and they do show my exact refund as a pending deposit for 2/6. So all is well.

They are taking my taxes for a school loan... How much can they take? I live in the state of Ohio... I got my state taxes back and now I checked the status of my federal return, and this is what it says.... "Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice." I dont owe child support and I got my state taxes back... so it must be my school loan ( which yes, is defaulted ) :( Is there a low to how much they can take? Or are they going to take it all? Im so sad!!!!!!

More turbo tax/Stimulus Questions- direct deposit never went thru -owed taxes...so now what?? What happens now. Apparently I was responsible for some past due taxes from my ex- and IRS took my entire refund to pay off those debts, which are now paid in full. So SBBT never really had anything to do with my return. The IRS would have my checking account numbers-yes? No? and i should get my stimulus in my account since technically i never used SBBT- is that correct? Anybody have any idea? I did not end up paying any fees because there was never any funds deposited for them to take from.

Defaulted Student Loan & Income Tax Return? I have a defaulted student loan. According to the IRS website, my income tax refund was mailed on Feb. 8. Today I looked at the refund site and saw this notice: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. I called the FMS number to see if there were any debts listed against me, and none were. So, what are the odds that I'm going to get my refund? That is, I don't understand why I suddenly got this notice after my refund was mailed and if none are listed against me on FMS, why did I get the notice at all? Yes, I'm trying to work out something with the debtors, just haven't reached a solution yet. Thank you all so much!

Stimulus check/ tax refund question? Hi I have to questions that maybe someone can answer. My stimulus rebate was supossed to be direct deposited today and it wasnt there. Yes I qualified, filed for 2007 and no I didnt owe state...any ideas why? Second question is what are they talking about child support?? and what this says right here at the bottom...is that on everyones? about the child support or Your tax refund was mailed on May 8, 2008. If you do not receive the refund by June 5, 2008, please contact us again. We are unable to take any action until then. Please read the following information related to your tax situation: Tax Topic 203, Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. Well, it takes almost a month to get a check in the mail??? I just wanted to know Im a mother of a 8month old, but NEVER FILED for child support, also i was just wondering if everyone got that little message about the child support and federal debt...

Will my tax refund be delayed? I have been paying off a balance with the IRS for the past six years...don't get me started on the reason...apparently I owed $7,000 in taxes when I was 14 years old, now I'm 23, have gone through the OIC application (denied) and have had many unsuccessful arguments with the IRS. I am almost done paying the balance through my installment plan (still clueless as to why I owed the $$). I filed for my taxes on Jan 21, 2009, and found that my refund will pay for the remainder of the taxes owed, and should still leave some money left for me. The "Where's my refund" page on the IRS website states that I will have my refund direct deposited in my account by Feb 3, 2009. Questions: Will my net refund show up later than the Feb 3, due to the offset? When do they process offsets? How does the process work? The IRS website is worthless for exact info. -I talked to a lady at the IRS last night, who confused the HELL out of me. She said that she see's my refund, nothing has been processed, I could get it in as many as 3 weeks, and it could be a PAPER check-but she wasn't sure (what the hell?). I asked her why the IRS quoted Feb.3 as the day for the deposit to show up in my account, and she said that it wasn't a true estimate? Has anyone experienced this situation? Just wanted to know, because I'm excited to pay off some credit card debt!! YAY!

Can I wait for her at her job??? or is it Stalking? My wife and I are in the process of getting a divorce, we have been separated for the past 3 years and our communication is almost non-existant. My problem is that my soon to be ex-wife owes an insane amount of money to the IRS ($30,000 due to erroneus deductions), yes we filed jointly and yes, i know we are both liable for this debt. (I was young and stupid for filing jointly, she's a real estate agent and i trusted in her to do them correctly). For the past year I've been trying to get in contact with her but i can't;she always rejects my calls and with all honesty I do not know where she lives but i just recently found out where she works, thats how complete strangers we are. Im trying to get in contact with her so we can set up a payment plan with the IRS,i have recieved a letter saying that they will soon garnish my wages. I tried talking to the IRS and they said I can only set up a payment plan of $500 a month, which clearly I CANNOT afford. Since I've left her voicemails in relation ONLY with the IRS and nothing else.....and I dont get any call backs, can i go wait for her at her job?? Because the IRS is nothing to mess with and obviously its not important to her because she avoids me calls. In the past week and half Ive tried calling her over a hundred times.... I dont want to go the extent of waiting around at her job, but can or should I do that?? She doesnt answer her phone or return my calls I have no other method in getting in contact with her. I talked to the IRS about the situation and they said since she works on commission and I have a steady weekly paycheck they will come after me.... Íts really fustrating because i have limited money..... She in the other hand has a million dollar house,bmw,and benz......I dont know what her problem is or what she is trying to avoid. Another thing, if i were to wait for her at her job i wouldn't make a scene, im a civilized person who has run out of options. If i do go to her job Im planning on taking a witness with me, so she wont accuse me of anything.

Who was worse? Jimmy Carter or Reagan? Carter: Increased the national debt, increased the deficit, gave us 10 million unemployed (7.6%), double digit inflation (13%), gas rationing, gas crisis due to WindFall Taxes, a GDP which barley grew, passed the Community Reinvestment Act (Started a long line of bills and acts, which all had a hand in our housing collapse) and a sinking economy. OR Reagan: He increased the deficit, increased the debt, gave us 18 million jobs, doubled the GDP, doubled tax revenues to the government, stopped inflation, ended the gas crisis, strengthened our military, and gave us a BOOMING economy... BTW if you mention deregulation as a "Bad" thing, you should also blame Clinton--after all, Clinton deregulated the Financial Sector... So which is better? HARDCORE conservative or HARDCORE liberal? Funny, but it seems the conservative got better results. Here are some government sources: http://www.whitehouse.gov/omb/budget/fy2009/pdf/hist.pdf http://www.bls.gov/cps/prev_yrs.htm http://www.irs.gov/pub/irs-soi/indincdi.pdf http://www.bea.gov/scb/pdf/2008/08%20August/0808_gdp_nipas.pdf www.census.gov They prove my claims RIGHT. So please do pick... PS: Oh and please, explain how attacking Reagan on debt, but not attacking Obama on debt makes you "intelligent". Last time i checked, the CBO said that the Obama Budget will leave us with 9 trillion dollars in debt, and the nation's largest deficit in history... I'm impressed how liberals, once given a liberal example vs a conservative one, they curse or stay quite. Or say lies. Carter and Reagan were not pawns dear. PS: Carter WAS given a chance idiot... He had 4 years and he failed...

Are you tired of this subject too? Liberals AND Conservatives. Both of the sides battle it out all day, both saying complete Bull **** in most comments. Both sides use racial slurs, and always fight for their party instead of truth! Let me give you a list on things that people should know but think aren't true, due to their partisan beliefs: Clinton was a GOOD president, so please, stop attacking his economic polices. YES the republican congress balanced the budget. NO Clintonomics is not an example of Keynesian Economics--he did not regulate more or pass MASSIVE stimuli--get over it! YES Clinton sucked in foreign policy, but YES he did do something against terrorism. In Bosnia, several Al-Qaeda training cells were found and destroyed-FACT. (FOX News and BBC) YES several bills and acts Clinton passed had a hand in our collapse-like the Federal Housing Enterprises Financial Safety and Soundness Act... YES BUSH SUCKED. But he did NOT cause this recession! Idiots say it was deregulation, when in FACT, there wasn't even any deregulation! There was more REGULATION. NO republicans didn't control congress in 2000-2006, anyone who makes that statement is an IDIOT. It was the Fed Reserve, CRA, other bills and Acts, and CONGRESS.--PERIOD--it was NOT free market capitalism... Almost every single government source that i can name and give you people says REAGAN was GREAT. DEAL with it! Only problem with him was DEBT. He didn't even quadruple the debt! Carter's left us with a deficit = 2.6% of GDP---while Reagan left us with deficit = 2.9% of GDP! REAGAN WAS GREAT, get over it and NO he didn't cause our problems. HOW can you blame deregulation, when there has been MORE regulation with Bush!? WTF! Reaganomics IS very similar to Clintonomics--FACT, not rhetoric! Can we ****ing set aside the ****ing partisanship and get REAL facts!? For once maybe? Have republicans acted stupidly? YES and so have democrats! Yahoo Answers is what i call a community that is filled with bipartisan ignorance! Do is support the new health care bill? Not really! But i haven't read it fully! SO i'm going to read it myself! So are you feeling the same? Here are good sources to do some research: http://www.whitehouse.gov/omb/budget/fy2009/pdf/hist.pdf http://www.bls.gov/cps/prev_yrs.htm http://www.irs.gov/pub/irs-soi/indincdi.pdf www.census.gov http://www.bea.gov/scb/pdf/2008/08%20August/0808_gdp_nipas.pdf HEALTH CARE BILL: http://help.senate.gov/BAI09A84_xml.pdf Go ahead curse me out, i just shows the ignorance on this site... sorry if the huge rant might be confusing. PS: I did not contradict myself. If you were a smart individual, you'd noticed i meant republican congress balanced budget during Clinton years. Yokiastu, no offense, but ur Iraq War opionion is wrong. Congressional Research Service and WAR and Decision (book) are good places to start.

passport denial due to IRS debt? i am set to go to england in less than two weeks, and i have an appointment in 2 days with a passport bureau to expedite the renewal of my passport. however, i owe $1100 still on my taxes from the past year but i have a payment plan set up with them. i will only be gone for one week. does anyone know positively whether or not the IRS can put a hold on my passport?

Debt collectors harassing and rude ? Hello all , here is my question I received a call from a collection agency Wednesday which kind of shocked me plus she was borderline rude etc no real rude best describes her. She said I have a balance with the VA state tax for tax year 1996 the amount is $1740.00 ok This is the first i became aware of this issue on Wednesday past I had cancer back then was married etc.. So I called the Va tax dept she noted my account and is mailing me info re the debt I am not working now also due to this economy . Then today the collection lady calls me askes if i am going to pay i said i am waiting info and paperwork from the VA DEpt of taxation she said she didnt care and was going ahead to get the money in whatever ways she wishes I do not have property etc and have money in the Bank what can they do ie i heard about it Wednesday she said they are proceeding with collection action Please advise oh the tax return was a joint return for the state not the IRS I also have a credit with the IRS for $3200.00 as i filed an amended return they accepted it so wow but they have not sent me a check just shows i have a credit on my account .. ANy advice gladly welcome Question is in the next few days will can they go to my bank account and take that money how long does it take for them to and if to do this action.. A few of you asked me re whos making the claim calls etc Its a collection agency "Diversified Collections" I am not get calls from the VA Dept Of Taxation State . The lady from that agency called me this am and she was wow so rude and said they will be proceeding with their action .I expalined I am awaiting paperwork back from the VA State Tax regarding what specifically the debt is for in more details they have noted that i am not working .I do have money but just not working between contracts .Dont i have to receive notification before they can withdraw funds from my account ??? Sincerely Mary