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Pro tip: call your state SNAP office directly. Sometimes they can tell you if your debt has been referred for offset even if it's not showing up yet. The hold times are brutal but better than getting surprised later
I had a similar situation a couple years back! The good news is if you're not defaulted on your payment plan and it's not showing in TOP, you're probably in the clear for federal. State offsets work differently though - they usually happen faster and don't always sync with TOP. Since you're catching up on payments, document everything and keep those payment confirmations handy. Worst case scenario, if something does get offset, you can usually get it released pretty quickly if you're actively paying on the plan π€
This is really helpful! I'm new here and going through something similar. Quick question - when you say "document everything," what specific records should I be keeping? Like just payment confirmations or is there other stuff I should save too? Thanks for sharing your experience!
The fact that your wife was initially on a tourist visa and then switched to a spousal visa is actually a common scenario. Based on the Canada-US tax treaty, what really matters is where your "permanent home" was available to you after you moved to the US. I went through something similar and was advised that having a lease agreement in the US showing intent to permanently reside there, along with evidence of moving personal belongings, was crucial in establishing US residency for treaty purposes. Also, document when you gave up provincial health insurance - that's a big one that CRA looks at for residency determination.
Great point about provincial health coverage! I did officially notify Ontario about my move and surrendered my OHIP coverage when I left. I should have documentation of that somewhere. We do have a 12-month lease in the US that we signed in October, and I brought most of my belongings with me (though some larger items are in storage in Canada). Sounds like these factors could help support my case for US residency despite the visa complications.
Cross-border tax situations like yours are incredibly nuanced, and it sounds like you have several factors working in your favor for establishing US residency status. The key thing to understand is that CRA's residency determination isn't just about your marital status or visa type - it's about where your life is actually centered. From what you've described, you have strong indicators of establishing US residency: you moved with clear intent (got the TN visa for work), obtained US driver's license and health insurance immediately, rented out your Canadian property, signed a 12-month US lease, and surrendered provincial health coverage. The fact that your wife was initially on a tourist visa versus a spousal visa is less relevant than the overall picture of your residential ties. What matters more is that you both moved together with the intention of establishing life in the US, regardless of the specific visa categories at the time. I'd recommend getting a second opinion from a cross-border tax specialist who isn't affiliated with your company. The accountants your employer hired may be taking an overly conservative approach that could cost you thousands unnecessarily. Make sure to document everything - dates of departure, lease agreements, utility setup, bank account openings, etc. This documentation will be crucial if CRA ever questions your residency determination. The Canada-US tax treaty is designed to prevent exactly this kind of double taxation scenario, so don't let anyone tell you that you're automatically stuck paying Canadian taxes on your US income just because of visa timing.
Nothing crushes your soul quite like getting mail from the Treasury that turns out NOT to be money. Been there friend. π₯²
Ugh, the IRS really knows how to get our hopes up! I got the exact same envelope last week and had the same reaction - saw "Treasury" and "EITC" and thought maybe it was related to my refund. Nope, just a fancy brochure explaining how great the EITC is. The "Just imagine what you could do" line should have been the dead giveaway that it's marketing material. Real refund checks don't come with motivational slogans! π At least now you know what to expect when you open it. Still waiting on your actual refund though? That's the real question!
This happened to me last year - WMR said processing but no transcript for almost 3 weeks. Turns out I had checked the wrong box about healthcare coverage, and they were reviewing my return. When my transcript finally appeared, it showed a 570 hold code. I had to call and explain the mistake, and they fixed it right away. Not saying you made a mistake, but sometimes the delay is because they're verifying something specific. Check for any letters in your mailbox from the IRS - they sometimes send notices about verification needs before your transcript updates.
Did you have to provide any additional documentation when you called about the 570 code? According to IRM 21.5.6.4.35.1, the IRS should specify what verification they need in the corresponding notice. I'm wondering if they're following proper procedure since I'm in a similar situation.
Thanks for sharing this! I'm going to double-check my mailbox right away. I've been so focused on the online tools that I didn't even think about physical mail. Really hope I don't have a 570 code when my transcript finally shows up.
I'm in the exact same situation as you! Filed electronically 16 days ago and WMR shows "processing" but my 2023 transcript still shows N/A. After reading through all these responses, I'm feeling much more relieved knowing this is completely normal. It sounds like the transcript system is just the slowest to update in their processing chain. I've been checking obsessively every morning, but now I'll probably just check once a week on Thursday mornings since someone mentioned that's when updates typically happen. Thanks for posting this question - you've helped calm my nerves too!
@Niko Ramsey I m'so glad this thread helped you too! I was literally losing sleep over this same issue. It s'crazy how the IRS systems work independently like that - you d'think in 2025 they d'have better integration between their databases. I m'also going to switch to checking just once a week on Thursday mornings instead of my current obsessive daily checking routine. Hopefully we ll'both see our transcripts appear soon!
Debra Bai
You know what's funny about all this transcript code business? The IRS expects us to decipher their secret language while they can't even answer their own phones! π I've been tracking my refunds for years now (military spouse, so we've filed in 4 different states). The WMR tool is basically useless compared to transcript codes. Last year it showed "still processing" for weeks after I had already received my refund! The big picture is that the IRS is dealing with millions of returns right now. Unless you see specific hold codes (570 without an 846 following it), your return is probably just in the normal queue. Military returns actually tend to process faster in my experience.
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Javier Cruz
Welcome to the world of IRS transcript codes! As a fellow military family member, I totally get the confusion - it's like learning a whole new MOS! π Here's my simplified breakdown for tracking your refund: **Quick Check Method:** - Use IRS2Go app or WMR tool on IRS.gov - Updates usually happen overnight (check early morning) **Detailed Method (what I recommend):** - Set up your IRS online account at irs.gov/account - Download your 2023 Account Transcript - Look for these key codes: * 150 = Your return was received and processed * 846 = Refund issued (this is your golden ticket!) * 570 = Temporary hold (usually resolves in 1-2 weeks) **Pro tip:** The date next to code 846 is your actual deposit date - you can bank on it being accurate. Since you filed 3 weeks ago through MilTax, you're right in the normal processing window. Most military returns I've seen this year are processing within 21-28 days, especially with the recent April deadline rush. For PCS planning, I'd suggest checking your transcript weekly rather than daily - the IRS updates in batches, so daily checking just adds stress without new info. Hope this helps and good luck with your move! ποΈ
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