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I always ask for an itemized receipt for ANY home-related service. You'd be shocked how often there are random fees or taxes applied that shouldn't be there. Just last month I had a plumber try to charge me "disposal fees" for parts that he was taking back to reuse elsewhere!
Smart advice! I got charged a "fuel surcharge" on a warranty call that wasn't mentioned anywhere in my contract. Always get everything in writing.
This is such a helpful thread! I'm dealing with something similar with my home warranty and all these insights about sales tax inconsistencies make perfect sense now. I had three different contractors come out for different issues - one charged tax on the deductible, one didn't, and the third one actually asked ME if I thought he should charge tax (which seemed weird at the time). It sounds like the bottom line is that it's probably legal to charge the tax in most states, but the application is inconsistent because different contractors handle it differently. I'm definitely going to call my warranty company to get their official policy so I know what to expect going forward. Pennsylvania homeowners unite! š
Same here! Filed Jan 27th and just got the PATH message today. From what I've read, it's actually a good thing - means they're processing it and we should see movement mid-February. The waiting is the worst part though! At least we know it's moving through the system š¤
Make sure you have proper documentation of how the disaster affected you financially! I claimed a qualified disaster distribution last year and got audited. The IRS wanted proof I actually experienced economic loss from the disaster. Had to show them bank statements, repair bills, and evidence I lived in the affected area. Just checking the box isn't enough - keep records showing how the disaster impacted your finances and why you needed to take the distribution.
Did you have to provide this documentation when filing or only after they audited you? I'm in the same situation but don't have much paperwork.
You only need to provide documentation if audited - you don't submit it with your original filing. But definitely keep everything! For the audit, I had to show proof of residence in the disaster area (utility bills, lease agreement), evidence of economic loss (layoff notice, reduced income statements, or increased expenses from the disaster), and bank records showing when I took the distribution and why I needed it. Even things like photos of damage or insurance correspondence can help establish your case. The IRS wants to see a clear connection between the disaster and your financial hardship that led to the early withdrawal.
@Tyrone Hill - Based on your description, whether you qualify for a qualified disaster distribution depends on whether your financial hardships in 2023 were directly caused by a federally declared disaster. Simply having financial difficulties unfortunately doesn't qualify you for disaster relief - there needs to be a connection to an actual declared disaster event. Check your 1099-R Box 7 first. If it shows code "1" (early distribution) rather than "2" (exception applies), your plan administrator didn't code it as a disaster distribution. You'd need to have been affected by one of the 2023 federally declared disasters (like the California atmospheric rivers, Florida hurricanes, or Midwest flooding) to potentially claim this. If you were impacted by a declared disaster, you can still file Form 8915-F even with the wrong 1099-R coding. But without a disaster connection, you'll likely face the 10% early withdrawal penalty plus regular income tax on the full $18,500. There may be other hardship exceptions available though - medical expenses, higher education costs, or first-time home purchase can sometimes waive the penalty even if disaster relief doesn't apply.
@Lauren Wood You can find the complete list of 2023 federally declared disasters on FEMA s'website at fema.gov/disasters. They have a disaster declarations search tool where you can filter by year and state to see exactly what disasters were declared in your area and when. For 2023, some of the major ones included the California atmospheric river flooding January-March (,)severe storms and tornadoes across multiple states spring/summer (,)Hurricane Idalia in Florida August (,)the Maui wildfires in Hawaii August (,)and various flooding events in Vermont, New York, and other states. The key thing is that you need to have been physically located in the declared disaster area AND experienced economic loss as a direct result of that specific disaster. If you moved during 2023, make sure to check both your old and new locations since the timing of when you took the distribution matters in relation to when the disaster occurred and affected you.
@Lauren Wood You can find the complete list of 2023 federally declared disasters on FEMA s'website at disasterassistance.gov. They have a searchable database where you can look up disasters by state and date. You can also check the IRS website - they typically publish a list of qualified disaster areas for tax purposes in Publication 547 and various news releases throughout the year. Since you moved during 2023, make sure to check disasters for both locations and pay attention to the specific dates. The key is that you need to have been physically located in the disaster area when the disaster occurred AND have suffered economic loss as a direct result. Even if you moved away after the disaster but before taking your distribution, you could still qualify as long as the economic impact from the disaster led to your need for the early withdrawal.
Just be careful about missing the deadline! I filed late last year and got hit with penalties - $50 per form for filing less than 30 days late, and it goes up if you're even later. Super frustrating expense for a small business.
I was in the exact same boat last year! The IRS does offer penalty relief under their "reasonable cause" provision if you can show that the late filing was due to circumstances beyond your control. In your case, the fact that you ordered the forms in December but they never arrived due to supply chain issues could qualify. If you do end up filing late, make sure to keep documentation of when you ordered the forms and any correspondence about delivery delays. When you file, include a statement explaining the situation with Form 8809 (Request for Extension of Time to File Information Returns) or attach a letter of explanation. That said, with the electronic filing options mentioned above, you might still be able to make the deadline. The March 31st extension for electronic filing could be a lifesaver here - gives you an extra two months compared to paper filing!
Omar Hassan
Had the exact same issue with Error 6000 last month! What finally worked for me was calling the Taxpayer Advocate Service at 1-877-777-4778. They're separate from regular IRS customer service and can actually escalate account restrictions. Takes about 2-3 weeks but they resolved mine without needing an office visit. Definitely worth trying before making that 2 hour drive!
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Diego Castillo
Check if you can use the online Identity Verification tool on IRS.gov first before making that drive! Sometimes Error 6000 can be cleared through their automated system if it's just a soft flag. Go to "Get an Identity Protection PIN" and try the verification process again. If that doesn't work, then yeah unfortunately the in-person visit or Taxpayer Advocate route are your best bets. The TAS number Omar shared is legit - they've helped me with account issues before too.
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