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Using Claimyr will:

  • Connect you to a human agent at the IRS
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  • Call the correct department
  • Redial until on hold
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  • 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 :)

Sofia Torres

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If your looking at account transcript, the cycle code is usually next to the 150 transaction code. But seriously just use taxr.ai, it explains everything way better than we can here

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Pro tip: once you know your cycle code, you can also check the IRS processing calendar to see which weeks they're processing returns. They usually skip holiday weeks and sometimes have maintenance periods. Also, if you e-filed, your transcripts typically show up faster than paper filers. The cycle code system has been the same for years so once you understand it, you're set for future filings too!

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Max Knight

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Does the type of LLC matter? I thought there was something called an S corp LLC that's treated differently for tax purposes? Would that change anything about staying on a spouse's insurance?

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Emma Swift

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An LLC can elect to be taxed as an S corporation (this is what people mean by "S corp LLC"), which is different from a regular single-member LLC. If you do this, you're technically an employee of your S corp and must pay yourself a reasonable salary. This could potentially affect insurance eligibility since some employer plans have exclusions for spouses who have access to their own employer coverage. In this case, your S corp would be your employer offering you "access" to get your own insurance (even if the S corp doesn't actually provide it).

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Mei Chen

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I was in almost the exact same situation two years ago - health issues forcing me out of work but needing some income, and terrified of losing my husband's excellent insurance coverage. I can confirm what others have said: forming a single-member LLC did NOT affect my eligibility for my husband's health plan. The key is that it's treated as self-employment, not as having your own employer. I specifically asked our HR department about this before filing my LLC paperwork, and they confirmed that spouse coverage isn't affected by self-employment. One thing I wish I'd known earlier - make sure to keep detailed records of all your business expenses from day one. Since you'll be filing Schedule C with your joint return, having good documentation makes tax time much easier. Also, depending on your income level, you might need to make quarterly estimated tax payments. The peace of mind of keeping that insurance coverage while building a small business has been incredible. Good luck with your venture!

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Another option you might consider is reporting the income on Schedule C but then deducting expenses against it to reduce the self-employment tax impact. Even if you don't have direct expenses for earning those referrals, you could potentially allocate a portion of your internet bill, cell phone, etc. if you used those to communicate with friends about the platform. Just make sure you keep good records of any expenses you claim! But honestly, for $780, it might not be worth the extra complexity of Schedule C filing.

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Nathan Dell

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Wouldn't that approach be risky though? If you're not actually running a business of making referrals, couldn't claiming business expenses trigger an audit flag? Seems like you'd be creating a bigger issue just to save a small amount on SE tax.

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You make a good point about the potential risks. While you can legitimately deduct expenses that were ordinary and necessary for earning that income, you're right that claiming business deductions against a small amount of referral income could draw more scrutiny than it's worth. The key issue is really whether the activity rises to the level of a "trade or business" rather than just a one-off or occasional activity. If these were just a few referrals made to friends without any systematic approach or intention to continue generating income this way, the stronger position would be reporting as other income on Schedule 1 rather than creating a Schedule C business that doesn't really exist.

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Maya Jackson

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What box on the 1099-MISC is the referral income reported in? That makes a huge difference. If it's in Box 3 (Other Income), then it's NOT self-employment income and TurboTax is categorizing it wrong. You'd need to override their default handling.

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Malik Thomas

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In TurboTax, you should be able to find the override option when you're in the section where it shows your 1099-MISC. Look for something like "Review" or "Edit" next to the form, then there should be an option to change how the income is categorized. You might see choices like "Business Income" vs "Other Income" - make sure to select "Other Income" so it flows to Schedule 1 instead of Schedule C. Since it's in Box 3, you're absolutely right that this shouldn't be treated as self-employment income. The investment platform clearly categorized it as miscellaneous income rather than compensation for services, which supports your position that these were just occasional referral bonuses and not a business activity.

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Paolo Conti

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Thanks for this clarification! I was dealing with the same confusion about Box 3 vs other boxes. Just to confirm - if the referral income is in Box 3, there's basically no scenario where it should trigger self-employment tax, right? It sounds like TurboTax and other tax software might have a default setting that's causing this misclassification for a lot of people with investment platform referrals.

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Avery Flores

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Be careful about assuming this means your refund is coming soon. According to the National Taxpayer Advocate's 2023 report (available at taxpayeradvocate.irs.gov), approximately 8% of offset cases experience additional delays due to systemic errors. In these cases, the debt disappears but the refund gets stuck in a secondary review process. If you don't see your refund within 21 days of the debt disappearing, you should contact the IRS directly to ensure there isn't an additional hold on your account that needs to be addressed.

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Jean Claude

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This is exactly what happened to me last year! My $2,100 tax debt vanished from my account on a Thursday, and I was panicking thinking there was some kind of error. But then exactly 10 days later, my remaining refund of $890 hit my bank account. The whole process felt like watching a magician - first the debt disappears, then there's this suspenseful waiting period, and finally the refund appears! One thing I learned is that during those waiting days, it's totally normal for the Where's My Refund tool to still show "processing" even though the offset has already been applied behind the scenes. The system updates different parts at different times. I'd recommend checking your account every few days but try not to obsess over it (easier said than done, I know!). Also, keep an eye on your mail for any offset notices - they usually send confirmation that they applied your refund to your previous balance. Good luck, and congratulations on getting that debt cleared!

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Thank you for sharing such a detailed timeline! As someone new to navigating the U.S. tax system, it's incredibly helpful to hear real experiences like yours. The magician analogy really captures how mysterious this whole process feels from the outside. I'm curious - did you receive any email notifications when your debt was cleared, or did you only find out by checking your online account? I'm trying to figure out the best way to stay informed without checking obsessively every day!

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Has anyone actually gone through this process of changing from IT to lending? I'm considering something similar and wondering about the actual paperwork involved. Did you have to refile your EIN or get new business bank accounts? Did it affect existing contracts you had with IT clients?

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Thank you for sharing your experience! That's super helpful. Did you have any issues with your existing clients during the transition? And did you need to do anything special for taxes that year since you had income from two different business types?

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Sean Doyle

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I gave my web design clients about 3 months notice and referred them to other designers I trust. Most were understanding, though a couple were annoyed. The main challenge was having proper documentation for everything. For taxes, I kept very detailed records separating the income streams and expenses for each business type. My accountant recommended setting up different classes in QuickBooks to track everything separately. This made tax filing much easier. I did have to file some additional schedules with my return that year to account for the different business activities. The tax treatment was different for the property management income versus the service income from web design.

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Just went through a similar transition last year - changed my LLC from marketing consulting to real estate investing. Here's what I learned that might help with your IT to lending switch: The good news is you can definitely keep your existing LLC, but you'll need to handle several steps properly. First, check if your state requires you to amend your Articles of Organization to reflect the new business purpose. Some states are strict about this, others are more flexible. For lending specifically, you'll absolutely need to research your state's lending laws and licensing requirements. This is heavily regulated - much more so than IT services. Look into whether you need a money lender's license, what your state's usury laws are, and if there are any bonding requirements. Don't forget about the practical stuff either: new business insurance (your current policy definitely won't cover lending activities), potentially new banking relationships (some banks have stricter requirements for lending businesses), and updated contracts/agreements. The tax implications are also significant - interest income is taxed differently than service income, and you'll have different allowable deductions. I'd strongly recommend consulting with both a business attorney familiar with lending regulations and a CPA before making the switch. Timeline-wise, plan for 2-3 months to get everything properly sorted. The licensing part usually takes the longest, so start there first.

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This is incredibly thorough advice - thank you for sharing your real experience! I'm curious about the bonding requirements you mentioned. How do you find out what bonding is needed for lending in your state? Is that something the state licensing department tells you, or do you have to research that separately? Also, when you say "stricter banking requirements" - did your bank make you switch to a different type of account or just provide additional documentation?

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