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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!
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Really made a difference, save me time and energy from going to a local office for making the call.
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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.
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An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls ā 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!
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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.
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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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- DO post tips & tricks to help folks.
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NeonNova
Has anyone asked their advisor about this issue? When I started my PhD program, my advisor warned me that I'd need to save about 20% of each stipend check for taxes because the university doesn't withhold on graduate fellowships.
Yuki Tanaka
ā¢My advisor literally told me "don't worry about taxes, your stipend is tax-free" which turned out to be COMPLETELY wrong lol. Ended up owing $3200 my first year. Now I just automatically transfer 20% of each payment to a separate savings account for taxes.
NebulaNova
This is a really common issue for grad students! Your university is likely classifying your teaching fellowship as a qualified scholarship or fellowship rather than wages, which is why there's no automatic withholding. However, the taxable portion of your stipend (anything above qualified educational expenses like tuition) is definitely still subject to income tax. Since you earned about $32k and only worked September-December, you probably had around $10-12k in taxable income for last year. You'll definitely want to set aside money for taxes on that amount. A few practical tips: 1. Ask your payroll department about voluntary withholding - most universities will let you request additional withholding even on fellowship payments 2. For this year, start making quarterly estimated payments using Form 1040-ES to avoid underpayment penalties 3. Keep detailed records of any qualified educational expenses (tuition, required fees, books) as these can reduce your taxable income 4. Look into the Lifetime Learning Credit - you might qualify even as a graduate student The good news is that since you have withholding from your previous job, you might not face penalties for last year if that withholding covers a significant portion of your total tax liability. But definitely get ahead of this for the current tax year!
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Check your transcript for code 570 - that means a hold on your account. If you see code 971, that means they sent you a notice explaining whats happening. The combination usually means they're holding your refund for some reason. Pretty common during OIC.
I'm going through something similar right now - filed my OIC about 4 months ago and they've been holding my refund the entire time. What I learned from calling the OIC unit is that they automatically place a "freeze" on any refunds while your offer is being reviewed. The good news is that if your OIC gets accepted, those held refunds do count toward reducing your overall settlement amount, so you're not losing that money completely. If your OIC gets rejected, they should release the refund unless you have other tax debts they can apply it to. The waiting is brutal though - I totally get the desperation! Hang in there and definitely try calling that OIC number someone mentioned earlier to get a status update on your package.
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Mateo Perez
One thing nobody mentioned yet - if you have tax liens already filed against your property, bankruptcy gets more complicated. Even if the underlying tax debt qualifies for discharge, pre-existing tax liens can survive bankruptcy and remain attached to your property. Also, make sure your bankruptcy attorney knows tax law or works with someone who does. I filed bankruptcy in 2023 and my attorney missed some nuances about my tax situation that ended up costing me. Not all bankruptcy attorneys understand the tax implications deeply enough.
Diego Flores
ā¢Do tax liens show up on credit reports? And if the tax debt gets discharged but the lien remains, what does that actually mean in practice?
Mateo Perez
ā¢Tax liens no longer appear on credit reports as of 2018 when the credit bureaus removed them from reports. Good news on that front! If your tax debt gets discharged but the lien remains, it means you don't personally owe the debt anymore, but the lien still attaches to any property you owned when the lien was filed. In practice, this means you'll still need to deal with the lien if you want to sell the property. The lien effectively makes the property itself responsible for the debt, even though you personally aren't. It's confusing but important - you might be "debt free" but your house might not be!
Aisha Rahman
Don't forget about state taxes! Everyone's talking about IRS debt but state tax debt has different rules for bankruptcy discharge. Some states follow the federal rules, others have their own standards that make discharge harder. Also, keep filing your current taxes on time even while dealing with bankruptcy. New tax debt created during or after bankruptcy definitely won't be discharged.
Thanks for bringing up state taxes. Does anyone know if tax penalties can be discharged more easily than the actual tax debt itself? I've heard the rules are different.
Yes, tax penalties and interest often have different discharge rules than the underlying tax debt! Generally, penalties related to dischargeable taxes can also be discharged if they meet the same timing requirements. However, penalties for fraud or willful evasion can never be discharged. Interest that accrued before the bankruptcy filing on dischargeable taxes is usually also dischargeable. But interest that continues to accrue during the bankruptcy process typically isn't. This is why Chapter 13 can be beneficial - it often stops penalty and interest accrual during the repayment period, even on non-dischargeable tax debt. The key is understanding which penalties you're dealing with. Failure-to-file and failure-to-pay penalties on old enough returns might qualify, but trust fund recovery penalties or fraud penalties won't.
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Amina Diop
22 Does anyone know if the forms auto-save on Free Fillable Forms? I'm having the same login issues, but I'm wondering if my information will still be there if I eventually get back in, or if I should just give up and use TurboTax or something?
Amina Diop
ā¢4 They do auto-save, but only if you clicked "Save" before logging out last time. If you just closed the browser without explicitly saving, you might have lost some work. I'd recommend trying the different browsers approach someone mentioned above before switching to paid software.
I went through this exact same issue last month! The login loop is incredibly frustrating. What finally worked for me was completely clearing all browser data (not just cookies - everything including cache and stored passwords), then restarting my browser and trying again. Also, make sure you're not using any browser extensions like password managers or autofill tools when logging in - these can interfere with the site's authentication. If that doesn't work, try using an incognito/private browsing window. Sometimes the site has conflicts with stored session data. The Free Fillable Forms site is notoriously finicky, especially during peak season. I also found that waiting until very early morning (like 5-6 AM) when server traffic is lowest helped me get through. Don't panic about the deadline - if worst comes to worst, you can always file for an extension to give yourself more time to sort this out!
Diego Mendoza
Check your AGI too! I had this exact problem and discovered TurboTax was incorrectly applying a phase-out to my mortgage interest deduction because my income was over a certain threshold. The software was calculating it wrong though. If your Adjusted Gross Income is over $250,000 (married) or $125,000 (single), TurboTax sometimes incorrectly applies limitations. That might explain why it's disappearing when you add the second mortgage - the combined amount might be triggering some faulty logic in their calculations.
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Anastasia Romanov
ā¢This is good advice! I'm a tax preparer and see this issue occasionally. TurboTax sometimes applies the wrong limitations especially when multiple properties are involved. Try checking the "Forms" view rather than the interview format - sometimes you can spot the error more easily that way.
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Nia Thompson
I'm a tax professional and I see this TurboTax issue frequently with clients who own multiple properties in the same year. The software often has trouble handling the transition from one primary residence to another, especially when there's overlap with mortgage interest reporting. Here's what I recommend: Go to the "Forms" view in TurboTax and look at your Schedule A directly. Check if both mortgage interest amounts are showing up there. If they are, but your total deduction is wrong, there might be an issue with how TurboTax is calculating the limitation based on your loan amounts or dates. Also, make sure you're not accidentally double-entering information. Sometimes people enter mortgage interest in both the "Home Mortgage Interest" section AND the "Investment Interest" section, which can cause the software to remove deductions to avoid double-counting. If all else fails, you can manually override the mortgage interest deduction on Schedule A. Just make sure you have proper documentation (your 1098 forms) to support the amounts you're claiming.
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