Something nobody's mentioned - if you're claiming a casualty loss deduction, make sure you adjust your home's tax basis afterward! The amount you deduct should reduce your home's basis, which could affect capital gains when you eventually sell. I learned this the hard way after Hurricane Harvey repairs.

Just a heads up - if you're going to claim this as a casualty loss, make sure you have really solid documentation of the "before" condition of your home. The IRS will want proof that the damage was specifically caused by Hurricane Francine and not pre-existing issues or normal wear and tear. I'd recommend taking detailed photos of all the damage before any repairs start (sounds like you might still have time since the adjuster is coming tomorrow). Also get a written report from the insurance adjuster even though they're not paying - that professional assessment could be crucial if the IRS questions your deduction later. One more thing - consider getting multiple contractor estimates, not just one. Having 2-3 estimates that are reasonably close to each other strengthens your case for the amount you're claiming. The IRS sometimes challenges casualty loss amounts if they think the repair costs seem inflated.

The IRS did something similar to my girlfriend last month! They claimed she hadn't filed for 2020 and 2021, but she definitely had and even had her copies and confirmation numbers. Make sure you keep ALL your tax records, especially confirmation numbers if you e-file! When you get your issues resolved, request an account transcript for all the years in question. It'll show everything that's happened with your account and any remaining balances. You can get these online now through the IRS website if you create an account.

Was in a similar situation in January. Recommendations: 1. Request transcripts for ALL years in question 2. File form 911 for Taxpayer Advocate help 3. Check if you qualify for First Time Penalty Abatement 4. Set up payment plan ASAP (even tiny payments) 5. Document EVERYTHING 6. Make sure ALL your addresses are updated with IRS Good luck!

Having been through audit reconsideration myself, I strongly recommend faxing a hardship letter to the specific department handling your case. Make it ONE page only, explain the immediate financial impact (can't pay rent, etc), and request expedited processing. Include your case/reference number at the top. In my experience, a short fax got more attention than calls or multi-page letters. The IRS is drowning in paperwork, so making your hardship clear and concise can help get your case pulled from the stack.

I'm so sorry you're going through this financial nightmare. The IRS audit reconsideration process is painfully slow, but there are definitely steps you can take to get some relief while you wait. Since you're only left with $980/month after the levy, you absolutely qualify for economic hardship relief. Here's what I'd recommend doing immediately: 1. File Form 911 with the Taxpayer Advocate Service - this is specifically designed for cases like yours where collection actions are preventing you from meeting basic living expenses. 2. Request Currently Not Collectible (CNC) status by submitting Form 433-F. With your income level, you should qualify easily. 3. Contact the IRS collections department directly and request a temporary release of the levy based on economic hardship. Be persistent - document everything. The reconsideration process typically takes 6-18 months right now due to backlogs, but the financial hardship relief can happen much faster - sometimes within 2-4 weeks if you push hard enough. Also, make sure your CPA is actively following up on your case every 2-3 weeks. Don't just wait for those form letters - have them call and get status updates. You have the right to know what's happening with your case. Hang in there - this will get resolved, but you need to be proactive about the hardship relief while you wait.

Thanks everyone for all the helpful info! Just to add one more tip - if you're mailing your Form 8892, make sure you're using the current version of the form. The IRS updates forms periodically and they won't accept outdated versions. You can always download the most current Form 8892 from the IRS website at irs.gov. I made the mistake of using a form I had saved from a previous year and had to redo everything. Also, double-check that you're including all required information like your name, SSN, and the specific reason you need the extension - incomplete forms can get rejected and you'll lose valuable time. The certified mail suggestion from earlier posts is spot on. It's worth the extra few dollars for peace of mind, especially when you're cutting it close to the deadline.

Just wanted to share my experience from last year - I was in almost the exact same situation as you! I needed to extend only my Form 709 gift tax return, not my regular income taxes. One thing that really helped me was creating a simple checklist before mailing my Form 8892: - Current year's form downloaded from IRS.gov (not an old version) - All personal info filled out completely (name, SSN, address) - Specific reason for extension clearly stated - Estimated tax payment included (I rounded up to be safe) - Sent via certified mail with tracking The whole process was actually pretty straightforward once I stopped overthinking it. The hardest part was just accepting that yes, you really do have to mail it in - no e-file option. But the postmark rule gives you some flexibility as long as you don't wait until the last minute. Also, keep copies of everything you send, including the certified mail receipt. You'll want that documentation just in case there are any questions later.

One thing nobody's mentioned yet - your local Low Income Taxpayer Clinic might be able to help for free. I used one when I owed $19k and had a similar spouse situation. They helped me get my OIC accepted without needing my ex's info. Google "LITC" plus your city name. They're funded by the IRS but operate independently to help people navigate tax issues. Mine helped me prepare all the documentation to prove financial separation and even represented me when the IRS had follow-up questions.

I went through almost the exact same situation last year - $29k debt, separated spouse who refused to cooperate, filing separately for years. Here's what actually worked for me: The IRS has a specific procedure for "uncooperative spouse" situations in OIC cases. You'll need to file Form 433-A marking "married" but include a detailed explanation letter stating your spouse refuses to provide information despite good faith efforts. Document EVERYTHING - send your spouse a certified letter requesting the information, keep the returned receipt when they don't respond. Include screenshots of texts where they refuse, witness statements if applicable. The IRS wants to see you made legitimate attempts. For the income question about your spouse, write "Spouse claims $0 income but has not provided verification. Applicant unable to obtain spouse's cooperation despite documented attempts." Don't guess or estimate - just state the facts. I also included 8 months of documentation showing our separate households (different addresses on all bills, leases, bank statements). The key is proving you maintain completely separate financial lives. My OIC was approved after some back-and-forth questions, and I paid about 25% of what I owed. The process took about 8 months total, but it was worth every day of stress. Don't give up - the IRS deals with this situation more often than you'd think.