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Have you considered whether you might qualify for First Time Penalty Abatement? Given your history of compliance, you might be eligible! Important things to consider: โข You must file the return first before requesting abatement โข The IRS looks for a clean compliance record for the 3 prior years โข You need to have paid or arranged payment for any tax due โข Request must be made within a reasonable timeframe Time is critical here - each day increases potential interest charges!
Excellent point about First Time Penalty Abatement (FTA). The IRS doesn't advertise this program widely, but it's specifically designed for taxpayers with strong prior compliance history who had a one-time lapse. Based on what OP described, they're likely a perfect candidate.
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Last year I was in almost the exact same boat - missed filing 2022 taxes while dealing with family health issues. I compared costs between tax prep options and found TurboTax wanted $119 for the prior year return plus $59 for state, while FreeTaxUSA charged $19.95 for federal and $14.95 for state. The interface wasn't quite as polished, but it imported my W-2s and 1099s just fine. I had to manually enter some investment data that TurboTax would have imported automatically, but saved almost $150 total. The actual filing process took 2.3 hours compared to my usual 1.5 hours with TurboTax.
WARNING: I ignored a missing 1099-R in 2022 thinking the amount was too small to matter. The IRS Automated Underreporter (AUR) program flagged the discrepancy in October 2023 and issued a CP2000 notice with the original tax due PLUS interest calculated from the original filing deadline. Had to pay an additional $437 in interest and penalties that could have been avoided by filing an amended return immediately. Don't wait for the deadline - I learned this lesson the hard way.
The community wisdom on this is pretty consistent - file the 1040-X ASAP. According to the IRS website, electronic filing of amended returns is now available for tax year 2023, which speeds up processing considerably compared to paper filing. The IRS 'Where's My Amended Return' tool can track progress once it's in their system. Just remember that amended returns can't be e-filed if your original return was filed by paper - in that case you'd need to mail it in. Most people see better results when they take action before the IRS contacts them.
Just to add some important context: The IRS began sending out IP PINs for the 2024 filing season on December 19, 2023. If you didn't receive yours or misplaced it, you can retrieve it through your online account at IRS.gov. Also, as of January 15, 2024, the IRS opened the official tax season, and they're currently estimating 21 days for most refunds. However, returns with corrections or special circumstances (like yours) might take up to 45 days according to their latest guidance.
I went through this exact situation last year. Here's what happened step by step: 1. Return rejected for missing IP PIN on Feb 10 2. Retrieved my IP PIN through IRS.gov account 3. Resubmitted on Feb 12 4. Received acceptance confirmation on Feb 13 5. WMR showed first bar on Feb 15 6. Transcript became available on Feb 22 with processing codes 7. WMR updated to approved on Mar 1 8. Refund deposited on Mar 3 So in total, it took 19 days from resubmission to refund, which is actually within the normal 21-day window they promise. The system seems to treat a resubmission after rejection almost like a new submission, but not quite as slow.
Ppl are overthinking this tbh. I'm mil w/ Tricare and have filed taxes for 8+ yrs with zero probs. The marketplace form (1095-A) is only for ppl who got insurance thru healthcare.gov. Military gets 1095-B from DoD but you don't even need it to file. TurboTax is just asking to confirm you had coverage. Check the box and move on! Ur not gonna get denied for this.
My husband is military and I handle our taxes every year. Last tax season, I was worried about the exact same thing! I called DEERS to get our 1095-B forms sent to us, but they were backlogged. We went ahead and filed anyway, just indicating we had full-year Tricare coverage. Our refund came through without any issues about three weeks later. The health insurance question is really just a formality now - they're not penalizing people anymore for not having coverage like they did a few years ago.
I've been through this exact situation. Here's what you need to know: โข Filing with a new dependent after divorce ALWAYS triggers additional verification โข The IRS cross-checks with your ex-spouse's return to ensure no duplicate claims โข The normal 21-day timeline doesn't apply to your situation โข You're likely in the "Path Act" verification process โข This can take 45-60 days, sometimes longer What to do: โข Check your transcript for code 570 (hold) or 971 (notice issued) โข If you see code 420, that's an audit indicator โข Have your divorce decree and custody documents ready โข Don't panic - most of these resolve automatically This is frustrating but completely normal for your situation.
What's the diff between "accepted" and "approved"? TT said mine was accepted too but WMR still says processing.
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This is incredibly helpful! I filed on January 23rd with a similar situation and was getting worried. Appreciate the detailed breakdown of what to expect.
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OMG I was in EXACTLY your situation last year! First time filing with my daughter after divorce finalized in December. I was checking WMR like 10 times a day and driving myself CRAZY! But it all worked out fine - took about 7 weeks total to get my refund. The system is just extra careful with new dependent situations. I had all my documentation ready (custody agreement, school records, medical bills) but they never even asked for it. Hang in there!
For anyone dealing with PATH Act holds, here's what you should know: โข The PATH Act was implemented to prevent fraud and verify income claims โข Early releases do happen but aren't guaranteed โข Refund timing depends on multiple factors: - Filing date - Processing cycle code - Bank processing times - Verification requirements โข The official PATH release date remains February 15th regardless of when you filed I'm concerned that many people are budgeting based on potential early releases when they should be planning for the official date at minimum.
I've been tracking PATH release dates since 2019, and I've noticed early releases typically start appearing around February 8th-10th, with the bulk coming through February 22nd-24th. Last year specifically, the first reports of deposits came on February 7th, with most people receiving theirs by February 24th. The IRS never officially acknowledges these early releases.
I was in the same boat last week and was going CRAZY! According to the IRS2Go app and https://www.irs.gov/refunds my return was stuck on 'received' for 23 days. Then suddenly yesterday it jumped straight to 'refund sent' and the money hit my account this morning! Hang in there - the system is definitely backed up this year but the money does come eventually.
I had 'Return Received' for 19 days, then it updated to 'Refund Approved' with a direct deposit date 3 days later. My sister-in-law filed the same day and got her refund in 12 days total. My brother filed a week before me and is still on 'Return Received' after 26 days. There's no consistent pattern I can see - seems like everyone's experience is different even when filing situations are similar.
I would be very cautious about just resubmitting without resolving this first... The system might be detecting that one of you was enrolled in Marketplace coverage without realizing it. Perhaps during a job transition? Sometimes there's automatic enrollment if you previously had Marketplace coverage. I'd suggest checking both your accounts on Healthcare.gov if you ever created them, even years ago. Also, maybe check with parents if either of you were possibly on their Marketplace family plan for part of the year? This happens more often than people realize, especially with adult children under 26.
Did either of you move from another state recently? I had a similar issue when I moved from California to Texas - Covered California had issued a 1095-A that went to my old address, but my new insurance in Texas issued a 1095-B. The systems don't talk to each other across state lines very well. You might need to check with both your current state's exchange AND your previous state's exchange if you've relocated. Unlike some other tax situations, this one actually resolved pretty quickly once I found the missing form.
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.
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.
I 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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But 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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Omar Hassan
Look, your approach won't work. The IRS doesn't reject returns based on DL expiration dates. They want the info to help prevent identity theft, but it's not part of their acceptance criteria. If you need to access that advance, call TurboTax directly at their tax support line, not their general customer service. Tell them you need to access an approved advance that wasn't completed. They have a specific department for this. Alternatively, check your email for the original advance approval - those usually have direct links that remain active for 72 hours regardless of what the TurboTax interface shows you.
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Chloe Robinson
I had almost this exact situation last year! My license had expired during COVID and I didn't even realize it when I filed. I was also counting on a refund advance from H&R Block that I thought I might lose access to. What ended up happening was my return was accepted normally - no questions about the license. When I called about the advance issue, they actually had a separate system for handling the advances that wasn't directly tied to the return submission. I explained my situation, gave them my application number from the original approval email, and they were able to reactivate it for me. Took about 35 minutes on the phone but they sorted it out. The advance hit my account about 2 days later, and then my actual refund came about 3 weeks after that.
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