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Has anyone dealt with getting a refund for over-garnished amounts? The IRS took about $350 more than I actually owed before they processed my payment and sent the release to my employer.
Yes, you'll get it back but it can take time. Call the IRS and specifically request a refund for the excess amount. They should apply it automatically, but in my experience, you need to be proactive about requesting it or it can sit in limbo for months.
I went through this exact same situation about 6 months ago! The IRS continued garnishing my wages for almost a month after I paid off my tax debt. Here's what finally worked for me: 1. **Document everything** - Keep your payment confirmation, bank statements showing the payment cleared, and records of any calls you make to the IRS. 2. **Call early and be persistent** - I found calling right at 7 AM gave me the best chance of getting through. Use the number 800-829-1040 and when you get the menu, press 1 for English, then 2 for personal tax issues, then 3 for payment questions. 3. **Ask for a payment tracer** - When you finally reach someone, ask them to do a "payment tracer" on your account. This helps locate your payment if it wasn't properly applied to stop the garnishment. 4. **Request expedited release** - Explain that the continued garnishment is causing financial hardship (mention the rent situation). They can sometimes expedite the release process. In my case, it turned out my payment had been received but wasn't properly coded to release the garnishment. Once they corrected it, the release was sent to my employer within 48 hours. The whole ordeal took about 5 weeks total, but I did get refunded the excess amount they garnished after my debt was paid. Don't give up - you WILL get this resolved!
Filed my PA state return on 2/12 electronically and just got my refund yesterday (3/10), so about 4 weeks total. It was definitely on the longer side of what Andre mentioned but still within the normal range. For anyone still waiting, I found that the PA Department of Revenue's "Where's My Refund" tool was more accurate than calling - it updated me when my return moved to "approved" status about a week before the money actually hit my account.
Good to know the PA tracker is reliable! I filed 2/18 and have been checking obsessively lol. Mine just moved to "approved" status yesterday so sounds like I should see the money hit my account within the next week based on your timeline. Thanks for sharing the detailed breakdown!
Filed my PA return on 1/31 and received my refund on 2/25 - so about 3.5 weeks with e-file and direct deposit. I was getting anxious around the 3 week mark but it came through right when Andre said it would. The PA Department of Revenue website was super helpful for tracking - way better than trying to call and wait on hold forever. For anyone still waiting, hang in there!
Just wanted to add my recent experience to help others in similar situations! I received my amended return via direct deposit about 3 weeks ago. My 846 code showed up on a Tuesday, and the money actually hit my account on that exact same day - which surprised me based on what I'd been reading about typical wait times. I think the key factor might be which bank you use. I have my account with a credit union that tends to process ACH transfers pretty quickly. My friend who banks with a larger national bank had to wait 4 business days after her 846 date for the same type of deposit. For anyone still waiting, I'd definitely recommend setting up account alerts if your bank offers them rather than constantly checking your balance. The money will show up when it shows up, and the alerts saved my sanity during the waiting period. The direct deposit for amended returns is absolutely legitimate now - just be prepared for the timing to vary more than regular refunds.
That's really interesting about the credit union processing it the same day! I'm with a smaller regional bank and I'm hoping they might be faster than the big national banks too. The account alerts tip is brilliant - I've been driving myself crazy checking my balance every few hours since I saw my 846 code yesterday. It's so helpful to hear all these real experiences from people who've actually gone through this process recently. When I first started researching amended return direct deposits, I was getting so much conflicting information online. This thread has been way more useful than anything I found on the IRS website or other forums. Really appreciate everyone sharing their timelines!
I'm currently in the exact same boat as the original poster! Just saw my 846 code appear this morning with a Friday date, and I've been obsessively checking my bank account every hour. Reading through everyone's experiences here has been incredibly helpful and reassuring. It's amazing how much conflicting information is out there about amended returns and direct deposits. My tax preparer told me it would definitely be a check, but clearly that's outdated information. Based on what everyone's shared here, it sounds like the 3-5 business day window after the 846 date is pretty realistic to expect. I'm particularly grateful for the tips about watching for additional codes after the 846 and setting up bank alerts instead of constantly refreshing my account. This community has been way more informative than anything I could find on the IRS website. Will definitely report back once my deposit comes through to add another data point for future people in this situation!
Welcome to the amended return direct deposit club! It's so frustrating how much outdated info is still floating around out there. I just went through this exact same situation about 6 weeks ago and was pulling my hair out trying to figure out what was actually going to happen. Your tax preparer definitely has outdated information - the IRS only started allowing direct deposits for amended returns relatively recently, so a lot of tax professionals haven't caught up yet. Based on my experience and what I've seen others report here, that 3-5 business day window is pretty accurate for most people. One thing I'd add to the great advice already given - if you have access to the IRS2Go mobile app, you can check your amended return status there too. Sometimes it updates before the transcripts do. And definitely don't panic if Friday comes and goes without seeing the deposit - the 846 date is when they initiate it, not necessarily when your bank will make it available to you. Looking forward to your success story update! This thread has become such a great resource for people going through this process.
Yes, you likely can deduct the full cost of your business equipment purchased in 2023! The IRS provides two main options for this: 1. **Section 179 Deduction** - This allows you to deduct the full purchase price of qualifying equipment in the year you bought it (rather than depreciating it over several years). For 2023, the limit is $1,160,000, which should easily cover your heat presses, label printer, vinyl cutter, and computer. 2. **Bonus Depreciation** - For 2023, 80% bonus depreciation is available for qualified business assets, which would cover your equipment. To qualify for these deductions: - The equipment must be used for business purposes more than 50% of the time - The equipment must be put into service during the 2023 tax year When filing: - You'll need to complete Form 4562 (Depreciation and Amortization) - Keep detailed records of all purchases including receipts, dates, and business use Since you're a new business owner, I'd recommend consulting with a tax professional who can help ensure you're maximizing your deductions correctly based on your specific business situation. They can also help determine which method (Section 179 or bonus depreciation) would be most advantageous for your circumstances.
Great advice from Lena! I'd like to add a few important considerations for your 2023 equipment purchases: **Keep meticulous records** - Make sure you have receipts, invoices, and can document when each piece of equipment was "placed in service" (actually used for business). The IRS is strict about this. **Mixed-use items** - If you use that computer for both business and personal purposes, you can only deduct the business percentage. Keep a log of business vs. personal use. **State tax implications** - While federal tax allows these deductions, check your state's rules as they may differ from federal Section 179 or bonus depreciation rules. **Consider timing** - Since you're asking in 2025 about 2023 purchases, if you haven't filed your 2023 return yet, you still have time to claim these deductions. If you already filed without claiming them, you might need to file an amended return (Form 1040X). **Alternative Minimum Tax (AMT)** - For very large deductions, there could be AMT implications, though this is less common for small businesses. The equipment you mentioned (heat presses, vinyl cutter, label printer) sounds like a custom printing or embroidery business - these are definitely legitimate business assets that should qualify for the full deduction!
This is really helpful information! @StarStrider brings up a great point about the mixed-use computer issue that I hadn't considered. I'm actually in a similar situation - just started my business last year and bought equipment. One question: if I did already file my 2023 return but missed claiming these equipment deductions, how complicated is it to file that amended return (Form 1040X)? Is there a deadline for when I can still amend, and would it trigger any red flags with the IRS? Also, for the business use percentage on something like a computer, is there a minimum threshold the IRS expects, or is any reasonable business use percentage acceptable as long as it's documented? Thanks for sharing your expertise - this community is so valuable for us new business owners trying to navigate all these tax rules!
Mason Lopez
One thing to consider for next year - you might want to adjust your withholding on your W-4s since your tax situation has changed significantly. If you're owing a lot now, updating your withholding could help prevent a big surprise next year. The IRS has a Tax Withholding Estimator tool on their website that can help with this.
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TommyKapitz
I feel your pain! This exact thing happened to us when we got married in 2023. We went from getting a nice EIC refund to owing money, and it was such a shock. One thing that helped us was really diving into ALL the credits and deductions we were now eligible for as a married couple. Yes, we lost the EIC, but we found some other benefits that partially made up for it: - The Child and Dependent Care Credit has higher income limits for married couples - We could contribute more to retirement accounts (like IRAs) which reduced our taxable income - Some education credits we hadn't been aware of - Better health insurance premium tax credits I'd strongly recommend getting a second opinion from another tax preparer or using one of the online tools mentioned here. Your current preparer sounds like they didn't fully explore your options. Sometimes paying for a more thorough consultation upfront can save you hundreds or even thousands in the long run. Also, don't forget you can amend previous returns if you discover you missed anything! We ended up amending our 2023 return after finding some missed deductions and got back an additional $1,100.
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