If the nonprofit isn't issuing 1099s, they're probably breaking the law themselves. Any business that pays a contractor $600+ in a year is required to file a 1099-NEC. Maybe you should let them know they could get in trouble too? This seems super sketchy for a nonprofit especially.

I'm a tax preparer and I see this situation fairly often. You're absolutely right to report the income regardless of whether you receive a 1099 - that's the law and it's the smart thing to do. Here's what many people don't realize: the IRS has increasingly sophisticated data matching systems. Even without a 1099, they can cross-reference your reported income with things like business expense deductions, lifestyle indicators, and yes, banking activity during audits. They also have agreements with state agencies that might have records of your work. The nonprofit telling you they "have no plans" to file a 1099 is concerning - they're legally required to issue one for payments over $600 to contractors. This could indicate poor record-keeping that might actually make them MORE likely to get audited, not less. My advice: Report the income, keep excellent records of all payments received (bank statements, invoices, contracts), and document any business expenses you can legitimately deduct. If you're audited, having organized records will make the process much smoother. The peace of mind from doing things correctly is worth way more than any short-term tax savings from underreporting.

This thread has been incredibly enlightening! I'm a dual US/Greece citizen who just moved to Athens last month and I'm already stressing about next year's tax situation. One thing I haven't seen mentioned is the complexity around Greek social security contributions. Since I'm self-employed with US clients (similar to the original poster), I'm trying to figure out if I need to pay into the Greek social security system (EFKA) on top of everything else we've discussed here. From what I've read, Greece requires self-employed residents to contribute to their social security system regardless of whether they're also paying US self-employment taxes. Has anyone dealt with this? The contribution rates seem pretty high (around 20% from what I've seen) and I'm not sure if there's any treaty relief for double social security taxation. Also, does anyone know if Greek social security contributions are deductible on your US tax return? I'm trying to budget for 2025 and between US taxes, Greek income taxes, and potentially Greek social security, I'm worried I'll be paying close to 50% of my income in various taxes and contributions! Any insights would be hugely appreciated - this community has already saved me from making some costly mistakes before I even start filing!

This is such a comprehensive discussion! As someone who's been dealing with dual US/Greece taxation for about 3 years now, I wanted to add a few practical tips that might help newcomers avoid some common pitfalls: **Documentation is everything** - Keep detailed records of all your US tax payments, including quarterly estimated payments. Greece will want to see proof of taxes actually paid, not just what was owed. I learned this the hard way when they initially rejected my foreign tax credit claim because I only provided my tax return, not proof of payment. **Exchange rates matter more than you think** - Use the IRS published exchange rates for converting your Greek income to USD for US filing, and use the European Central Bank rates for converting US taxes to euros for Greek filing. Consistency is key, and using "official" rates helps if either country questions your calculations. **Consider the timing of estimated payments** - Since you're paying US estimated taxes throughout the year but filing Greek taxes after the year ends, you might want to slightly overpay your US estimates. This gives you more foreign tax credits to claim in Greece and reduces the risk of owing a large lump sum to Greece at filing time. **Professional fees are worth it** - I spent about €800 last year on a dual-taxation specialist, but they saved me over €2,500 in unnecessary taxes and penalties. The complexity isn't worth trying to handle alone, especially in your first few years. Hope this helps others navigate this maze a bit more smoothly!

I've been following this thread closely since I'm in the exact same boat - still waiting on my 1095-A and getting really anxious about tax deadlines. The range of solutions you all have shared is incredibly helpful! I wanted to add one more potential resource that helped me last year when I had a different tax document issue. The IRS has a Taxpayer Advocate Service (TAS) that can sometimes help when you're having problems getting necessary tax documents from other agencies or when there are systemic delays affecting your ability to file. You can reach them at 1-877-777-4778 or through their website. They're not a quick fix - it can take a few weeks to get a response - but if you're really stuck and the regular Marketplace channels aren't working, TAS might be able to intervene on your behalf. I used them for a different issue and they were surprisingly helpful in cutting through bureaucratic delays. Also, after reading Carmen's post about finding alternative tax summaries in the Marketplace account, I'm wondering if anyone has tried reaching out to their insurance company directly? Even though the 1095-A comes from the Marketplace, the insurance companies should have records of your premium payments and coverage dates. They might not be able to provide the SLCSP calculations, but they could at least confirm the premium amounts if you're trying to piece together the information from other sources. Thanks to everyone for sharing your experiences - this thread is turning into a really comprehensive guide for dealing with missing 1095-A forms!

I'm a newcomer to this community but have been lurking and reading through this incredibly helpful thread! I'm dealing with the exact same 1095-A nightmare that AstroAdventurer posted about - no form in sight and tax deadlines looming. What really strikes me about all these responses is how this has become such a widespread issue that people have had to develop workarounds and find third-party services just to access basic government tax documents. It shouldn't be this complicated! That said, I'm grateful for all the practical solutions everyone has shared. I'm going to try the approach several people mentioned: first check the IRS interactive tax assistant to see if I actually need the 1095-A (since I was also on Medicaid for most of the year), then look for that "Plan Management" section Paolo found, and if all else fails, try one of the callback services. One question for the group - has anyone had success getting their state insurance commissioner's office involved when the Marketplace is unresponsive? I'm wondering if there's additional leverage there since health insurance is regulated at the state level. It seems like these systematic delays in providing required tax documents might be something they'd want to know about. Thanks again to everyone who's shared their experiences - this thread is probably going to help hundreds of people who are dealing with this same frustrating situation!

Just check your transcript tbh. If your return was accepted with the PIN youre good to go

From my experience, the IRS only sends letters if there's a problem or security issue with your IP PIN usage. If your return was accepted successfully, that's your confirmation that everything went through properly. You can always check your account transcript online to verify your return status if you want extra peace of mind!

im in kinda same boat with my sneaker reselling but sometimes i make profit sometimes loss. my accountant told me since its not just a hobby but im trying to make profit overall, i need to file schedule C even for the years i lose money. if u report losses too many years in a row irs might say its just a hobby not a business and disallow the losses. thats what happened to my cousin with his baseball card collection

Great thread! I'm dealing with a similar situation with my Pokemon card collection. One thing I learned from my CPA is that you can use the "fair market value" method for establishing your cost basis on items you bought years ago without receipts. For example, if you sold a card in 2024 that you bought at a convention in 2019, you can research what that card was selling for in 2019 using sites like eBay sold listings, price guides, or auction records from that time period. The IRS accepts this as reasonable documentation as long as you're consistent and not inflating values. I've been going back through old forum posts and Facebook groups where people discussed prices they paid for items - sometimes that's the best evidence you can find. It's tedious work but worth it when you're looking at a big 1099-K amount that doesn't reflect your actual profit. Also remember that if you're consistently losing money over multiple years, you might want to treat it as a hobby rather than a business to avoid the Schedule C complications that Noah mentioned. Just depends on your specific situation and intent.