IRS

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Using Claimyr will:

  • Connect you to a human agent at the IRS
  • Skip the long phone menu
  • Call the correct department
  • Redial until on hold
  • Forward a call to your phone with reduced hold time
  • Give you free callbacks if the IRS drops your call

If I could give 10 stars I would

If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!


Really made a difference

Really made a difference, save me time and energy from going to a local office for making the call.


Worth not wasting your time calling for hours.

Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.


An incredibly helpful service

An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls – which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!


Consistent,frustration free, quality Service.

Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.


IT WORKS!! Not a scam!

I tried for weeks to get thru to EDD PFL program with no luck. I gave this a try thinking it may be a scam. OMG! It worked and They got thru within an hour and my claim is going to finally get paid!! I upgraded to the $60 call. Best $60 spent!

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Ask the community...

  • DO post questions about your issues.
  • DO answer questions and support each other.
  • DO post tips & tricks to help folks.
  • DO NOT post call problems here - there is a support tab at the top for that :)

Ava Hernandez

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Question for anybody who's filed Form 8828 before... Does turbtax handle this form correctly? I tried putting in my info and it's calculating a really high recapture amount that doesn't seem right based on what I've read.

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In my experience, TurboTax struggles with Form 8828. When I had to file it last year, it calculated my recapture amount as $4,800 when it should have been closer to $1,200. I ended up using H&R Block's software instead, which handled it correctly. The MCC recapture calculation is pretty complex and TurboTax seems to just use the maximum possible amount rather than correctly calculating the adjusted amount based on your specific circumstances.

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Ava Hernandez

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Thanks for the tip! I thought I was going crazy seeing that number. I'll try H&R Block instead. Did you have to enter anything special to get it to calculate correctly?

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Based on your situation, you're absolutely in the clear! Since you owned your home for 11+ years after getting your MCC in 2013, you're well past the 9-year recapture period. The recapture tax under Form 8828 only applies to homes sold within 9 years of receiving the mortgage credit certificate. You don't need to file Form 8828 at all, and you don't need to worry about any recapture tax liability. The 9-year timeline you mentioned is exactly right - it's designed to protect homeowners who stay in their homes long-term, which is exactly what you did. Just to put your mind at ease: even if you hypothetically needed to file the form (which you don't), married couples filing jointly would only need to submit one Form 8828, not separate forms for each spouse. But again, since you're past the 9-year mark, this is all academic for your situation. Congratulations on being a long-term homeowner - the MCC program worked exactly as intended in your case!

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Marcus Williams

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Has anyone calculated how much time they're losing on this? I've spent exactly 3.5 hours over 2 days trying to access my transcripts. Need them to verify my $4,750 refund status. Called IRS exactly 8 times with average wait time of 47 minutes before disconnecting. This is costing people real money in wasted time.

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Shouldn't the IRS extend filing deadlines when their own systems prevent us from accessing necessary information? How are we supposed to verify our information when we can't even see our transcripts?

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Wesley Hallow

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I finally got in on April 12th at around 2:15 AM! Such a relief. I was worried I wouldn't be able to get the documentation I needed for my mortgage application due on April 15th.

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Ava Harris

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I'm experiencing the same issue! Been trying to access my transcripts since yesterday morning for a loan application and keep getting timed out. This is really concerning since I have a deadline coming up. Has anyone tried using the mobile app instead of the website? Sometimes different platforms have different server loads. Also wondering if there's an official IRS Twitter account or status page where they post about these outages?

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Have you considered a Cash Balance plan? With your income level, it might be worth looking into. It's a type of defined benefit plan that could allow you to contribute significantly more than a Solo 401k, especially if you're a bit older and trying to catch up on retirement savings.

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Yuki Yamamoto

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I've heard of Cash Balance plans but don't know much about them. What kind of contribution amounts are we talking about and what's the setup/maintenance cost compared to a Solo 401k?

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With your income level, you could potentially contribute $100,000-$200,000+ annually to a Cash Balance plan, depending on your age and other factors. The older you are, the higher the allowable contribution. The downside is definitely the cost and complexity. You'll need an actuary to set it up and perform annual certifications, which typically runs $2,000-$3,000 per year, plus initial setup fees. There are also more complex testing requirements and mandatory contributions. It makes the most sense if you: 1) consistently earn high income, 2) want to contribute much more than the Solo 401(k) limits, and 3) plan to maintain the plan for at least 5+ years.

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Speaking from experience as a self-employed photographer with similar income - don't overlook a backdoor Roth IRA in addition to whatever main retirement plan you choose. I max out my Solo 401k first but also do the backdoor Roth for that tax-free growth. The contribution is small compared to what you can put in a Solo 401k but the long-term tax benefits are huge.

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NeonNova

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Can you still do a backdoor Roth if you have an existing SEP IRA? I tried to do this last year and my accountant said something about the pro-rata rule making it inefficient.

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You're absolutely right about the pro-rata rule. If you have any traditional IRA balances (including SEP IRAs, SIMPLE IRAs, etc.), the backdoor Roth conversion gets complicated because the IRS treats all your traditional IRAs as one big pot when calculating the taxable portion of the conversion. One potential workaround is rolling your existing SEP IRA into a Solo 401(k) if your plan allows it (most do). This removes the traditional IRA balance and clears the way for clean backdoor Roth conversions. Just make sure to do this before December 31st of the year you want to do the backdoor Roth to avoid the pro-rata calculation.

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Miguel Diaz

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I'd recommend a slightly different approach that worked for me. Instead of selling the same stock in both accounts, consider selling the taxable account position for the tax loss, then immediately exchanging the IRA position for something different but similar (like a competitor in the same industry). This way you're not holding the "substantially identical" security in your IRA anymore, which should allow you to claim the tax loss. And since there are no tax consequences for selling at a loss in the IRA anyway, you're not giving anything up. Just make sure whatever you exchange into isn't considered "substantially identical" to the original security. This approach let me harvest the tax loss without being completely out of the market for 31 days.

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Zainab Ahmed

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That's a smart workaround! Would this also work if the positions were in a taxable account and a 401k instead of an IRA? My company 401k has limited investment options.

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Madison King

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This is a really common situation that catches a lot of people off guard! You're absolutely right to be concerned about the wash sale implications. Unfortunately, since you purchased the same stock in your IRA on January 15th (just 7 days after your taxable account purchase), selling the taxable position on February 18th would indeed trigger a disallowed wash sale. The IRS looks at all your accounts - including retirement accounts - when applying the wash sale rule. Here's what I'd suggest: If you want to claim the tax loss, you'll need to sell both positions and wait at least 31 days before repurchasing the same stock in either account. Since you mentioned the stock isn't recovering anyway, this might actually work in your favor from an investment perspective. One thing to keep in mind - your broker's 1099-B will likely NOT flag this as a wash sale because most brokers only track wash sales within the same account. It's your responsibility to identify and properly adjust for cross-account wash sales when filing your return. If you're looking to stay invested in the same sector, consider selling both positions and immediately buying a similar but not identical stock (like a competitor or sector ETF) to avoid being completely out of the market during the 31-day waiting period.

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Aisha Hussain

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Has anyone else had issues with the IRS questioning their physical presence test documentation when splitting the 330 days across two calendar years? I did something similar last year and the IRS sent me a letter requesting additional proof beyond my travel records.

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I had this happen to me! What worked was sending them a complete travel log with entry/exit dates, along with copies of passport stamps, flight itineraries, and a signed letter from my commanding officer confirming my deployment dates. I also included credit card statements showing purchases in foreign countries on specific dates. The more documentation layers you can provide, the better. For days spent in countries that don't stamp passports, I included hotel receipts as well. The IRS accepted all this as proof.

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Great question about the FEIE and differential pay! As someone who's navigated similar military tax situations, I can confirm that your differential pay should qualify for the Foreign Earned Income Exclusion as long as you meet the physical presence test. A few key points to consider: 1. **Timing flexibility**: You don't need to complete all 330 days in 2023. You can use any consecutive 12-month period, so starting mid-February 2023 and going through mid-February 2024 could work perfectly for your situation. 2. **Documentation is crucial**: Keep detailed records of every day you're outside the US - deployment orders, passport stamps, travel receipts, etc. The IRS can be thorough when reviewing FEIE claims, especially for military personnel with complex situations. 3. **Coordinate with your employer**: Make sure your civilian employer understands how they should be handling withholding on your differential pay. Some companies automatically adjust for FEIE, others don't. 4. **Consider state taxes**: Don't forget that some states don't recognize the FEIE, so you might owe state taxes even if the income is federally exempt. The proration calculation across tax years can get complex, so you might want to consult with a tax professional who specializes in military situations to make sure you're maximizing your benefits correctly.

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