I went through this exact same situation in January and I totally get your frustration! Here's what saved me a lot of headache: Before you schedule that dreaded appointment, call the number on your letter FIRST and ask specifically: "Do I qualify for online identity verification through ID.me?" Don't let them brush you off - be persistent about this question. I called at exactly 7:00 AM when they opened (took about 45 minutes of redialing but finally got through). Turns out I WAS eligible for online verification even though my letter only mentioned scheduling an appointment! For the online process: - Both you and your husband will need to complete it if you filed jointly - You can do it on separate devices from home - Takes about 15-20 minutes each - Way better than taking time off work for an appointment If online isn't an option, then yes - both spouses absolutely must attend for joint returns. No way around it, trust me I tried! The key is calling early morning right when they open. Have your SSN, the letter, and your tax return ready when you call. The wait to get through is brutal but SO worth it if you can avoid the in-person hassle. Once verification is complete (whether online or in-person), your refund typically processes within 2-3 weeks. You're almost there! 💪

I completely feel your pain on this! Just went through the exact same situation in February and it was such a stressful process. Here's what I wish someone had told me from the start: DEFINITELY call the number on your letter before you schedule any appointment! Even though your letter says to schedule an appointment, you might still qualify for ID.me online verification. I wasted two weeks stressing about coordinating an in-person visit before I found out I could do it online. Call right at 7 AM when they open - that's your best shot at getting through. Have your SSN, the letter, and a copy of your return ready. Ask specifically: "Am I eligible for online identity verification through ID.me?" If you do qualify for online verification: - Both you and your husband will need to complete it separately since you filed jointly - You can do it on your own devices from home - Takes about 15-20 minutes each - SO much better than taking time off work! If you must go in person, unfortunately yes - both spouses are required for joint returns. The IRS is super strict about this and won't make exceptions. The good news is once you complete verification (online or in-person), your refund usually processes within 2-3 weeks. I know it's incredibly frustrating, but you're almost through the worst part! The online option saved my sanity - hopefully it's available for you too! 🤞

Great decision, Sean! This thread has been incredibly educational for everyone involved. As someone who works in financial compliance, I see these types of schemes regularly, and they always follow the same pattern - complex structures that exist primarily for tax avoidance rather than legitimate business purposes. What's particularly valuable about this discussion is how it demonstrates the importance of community knowledge sharing. The collective experiences shared here - from those who nearly fell for similar schemes to those who got audited - create a comprehensive picture that's much more powerful than any single professional opinion. For future reference, the IRS publishes an annual "Dirty Dozen" list of tax scams that often includes these types of abusive tax shelters. They also maintain a list of "reportable transactions" that must be disclosed on tax returns, and many of these software license/LLC arrangements fall into that category. The fact that you trusted your instincts and sought out community input before making a decision shows exactly the kind of due diligence that protects people from financial harm. Your experience will undoubtedly help others who find this thread after being approached by similar companies. Thanks for sharing your story and for the follow-up on your decision. It's a perfect example of how asking the right questions and getting multiple perspectives can save you from very expensive mistakes.

As a tax professional who's been dealing with these schemes for over a decade, I want to applaud everyone who shared their experiences here - this is exactly the kind of community knowledge sharing that protects people from financial predators. Sean, your decision to walk away was absolutely the right call. What strikes me about the My Health CCM pitch is how it hits every single checkbox on the IRS's list of abusive tax shelter characteristics: artificial complexity, disproportionate tax benefits, entity creation solely for tax purposes, and most tellingly, the insistence on using their "approved" professionals. I've represented clients in audits involving virtually identical structures, and the outcomes are consistently bad. The IRS has specific teams dedicated to unwinding these arrangements, and they're very good at it. They'll typically challenge both the inflated valuation of the software licenses AND the business purpose of the entire structure. For anyone else reading this who might be considering similar arrangements, here's my professional advice: if a tax strategy requires you to create new entities, involves transactions primarily with the company selling you the strategy, or promises tax benefits that seem disproportionate to your economic risk, get multiple independent opinions from tax professionals who have ZERO financial relationship with the promoter. The legitimate tax planning world has plenty of genuine opportunities that don't require elaborate schemes or artificial time pressure. Trust your instincts, do your due diligence, and remember that the best tax strategy is one that makes business sense first and tax sense second. Thanks again to everyone who contributed to this invaluable discussion!

Same boat rn. Been checking WMR like a crazy person everyday 👀

call the tax advocate service! They helped speed up my verification process

I'm confused about the child tax credit situation with Form 8332. If I let my ex claim our kids using this form, does that mean they get ALL the tax benefits? Or do I still get some of them?

Just want to add one more tip that saved me a lot of trouble - make sure you keep detailed records of when you give the completed Form 8332 to your ex. I take a photo of the signed form and send it via email so there's a timestamp, then also give them the original. Last year my ex lost the form right before filing and we had to scramble to get another one signed. Having that digital backup with the date stamp helped prove I had provided it on time. Also helped when the IRS had questions later - I could show exactly when the form was completed and delivered. The whole process is stressful enough without having to worry about lost paperwork!

I almost messed up my tax loss harvesting by forgetting about the special rules for mutual funds! If anyone's planning to sell mutual funds (not ETFs) on December 31st, remember that mutual funds only trade once per day after market close. You have to place your order before the fund's cutoff time (usually 4pm Eastern) for it to execute on that day. Miss the cutoff and your trade gets processed on the next business day, which would be next year!

Just want to add another important timing consideration - if you're planning to do tax loss harvesting with international stocks or ADRs (American Depositary Receipts), be extra careful about the settlement timing. While US stocks typically settle T+2, some international securities can have longer settlement periods. Also, if you're holding stocks in a foreign market that trades on a different schedule (like Tokyo or London), make sure you understand when their December 31st equivalent deadline falls in your local time zone. I had a friend who missed harvesting losses on some European stocks because he didn't account for the time difference properly. The key takeaway remains the same - it's the trade date that matters, not settlement - but just wanted to flag these additional complexities for anyone with international holdings in their portfolio.