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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!
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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 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!
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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Carmen Lopez
3 Another important point - your AGI affects A LOT of other things on your tax return! It can determine eligibility for certain credits, deductions, and even things like student loan repayment plans or Medicare premiums. For example, I learned that reducing my AGI by increasing my traditional 401k contributions helped me qualify for the student loan interest deduction, which I was previously phased out of. Calculating it correctly is super important!
Carmen Lopez
ā¢7 How much does AGI affect the amount of taxes taken out of your paycheck each month? I feel like I always owe more at tax time, even when I claim 0 allowances.
Carmen Lopez
ā¢3 Your AGI doesn't directly affect the taxes taken out of your paycheck. Your paycheck withholding is based on the W-4 form you fill out and the withholding tables your employer uses. If you consistently owe at tax time, you might need to update your W-4 to have additional withholding taken out. The 2025 W-4 doesn't use allowances anymore - instead, you can specify an additional dollar amount to withhold from each paycheck. Another option is to make quarterly estimated tax payments if you have significant income not subject to withholding.
Carmen Lopez
16 PSA: Taxable income ā AGI ā Modified AGI (MAGI) I spent hours trying to figure out why I didn't qualify for a Roth IRA contribution even though my "income" seemed under the limit. Turns out: 1. AGI = Gross income - adjustments (401k, HSA, etc) 2. MAGI = AGI + certain deductions added back (like student loan interest) 3. Taxable income = AGI - standard/itemized deduction They're all different and used for different purposes! The one that matters for Roth IRA eligibility is MAGI, not AGI.
Carmen Lopez
ā¢13 This! And don't forget about state AGI calculations which might be different from federal. I got audited by NY state because their AGI calculation didn't match federal, and I had used the federal number for state tax calculations.
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Diego Fisher
Something nobody's mentioned - if you qualify for a credit but choose not to claim it, you can still amend your return later (within 3 years) if you change your mind. So if you skip the Saver's Credit this year to avoid fees, but later find a free way to file an amended return with Form 8880, you could still get that money. Just file Form 1040X with the additional credit. Though honestly, with the suggestions above about using Free File options, you probably won't need to go this route.
How difficult is it to file an amended return? I've always been scared to do it because I heard it increases your audit risk. Is that true?
Diego Fisher
ā¢Filing an amended return isn't particularly difficult - you file Form 1040X showing the changes from your original return. You'll need to include any forms related to the changes (like Form 8880 for the Saver's Credit). That's actually a common misconception about audits. Filing an amendment doesn't automatically increase your audit risk, especially for something straightforward like adding a credit you qualified for but didn't initially claim. The IRS is mainly concerned with significant changes that reduce your tax liability by large amounts without clear justification.
Has anyone tried using Credit Karma Tax (now Cash App Taxes)? I filed with them last year and they included the Saver's Credit form without charging extra. Completely free filing including all forms. They don't have a pay-with-refund option though, so no extra fees there either.
I used Cash App Taxes this year and can confirm they include the Saver's Credit form for free. Their interface isn't as polished as TurboTax, but it gets the job done and I saved about $120 in fees.
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Have you tried contacting the Taxpayer Advocate Service? They're an independent organization within the IRS designed to help taxpayers who are experiencing hardship or having problems that haven't been resolved through normal IRS channels. Their number is 877-777-4778. They might be able to help escalate your issue, especially if you're facing a deadline.
The Taxpayer Advocate Service is practically useless these days. I tried contacting them for help with an identity theft issue and they told me they're so backlogged they're only taking "extreme hardship" cases. Apparently owing the IRS $9,000 I don't actually owe isn't "extreme" enough lol.
That's disappointing but unfortunately not surprising. Their resources have been stretched thin over the past few years. For identity theft cases specifically, the IRS has a specialized unit you can contact directly at 800-908-4490. They handle cases where someone filed a fraudulent return using your information. For the incorrect tax debt situation, you might need to send a formal written dispute with certified mail. It's slower but creates an official record of your dispute that's harder for them to ignore. The key is to explicitly state the economic hardship the incorrect assessment is causing you - using those specific terms can help get your case prioritized.
Dylan Fisher
If you're having trouble with the IRS website, have you considered using a different browser or clearing your cache? Sometimes their site has weird compatibility issues. Also double check that you're on the official irs.gov site and not some spoofed version. There are a ton of scam sites that look like the IRS.
Edwards Hugo
ā¢This isn't a browser issue, it's the IRS being understaffed and overwhelmed. No amount of clearing cache is going to make them respond to a submitted ticket faster š
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I think everyone is missing something important here. If you're receiving multiple wire transfers under $10,000 that collectively add up to more than $10,000, this could potentially be flagged as "structuring" by banks or the IRS - even if that's not your intention. Structuring is deliberately breaking up transactions to avoid reporting requirements and it's actually illegal under anti-money laundering laws. I'm not saying you're doing this intentionally, but the pattern might raise red flags. My advice? Document EVERYTHING. Keep records of all your original purchases, sales agreements with your buyer, shipping receipts to the Portland facility, etc. If you're ever questioned, you want to clearly demonstrate this is simply selling personal items.
Rachel Clark
ā¢That's really helpful and kind of concerning - I definitely don't want to accidentally look like I'm doing something illegal! Is there anything specific I should do besides keeping good records? Should I mention anything to my bank about these transfers?
You don't necessarily need to proactively contact your bank, as they're already monitoring transactions. Just be completely transparent if they ask any questions. What I would strongly recommend is keeping a detailed spreadsheet with dates of all purchases and sales, original purchase prices (receipts if you have them), sale prices, and the purpose of each transaction. Take photos of the clothing items before shipping as additional evidence. Also save all communication with your buyer that shows these are legitimate sales of personal items. If you file taxes with an accountant, discuss this situation with them so they're aware of the full context.
Caleb Stark
Just wanted to add one more thing - if your total sales exceed $600 in a year (which yours clearly do), you might receive a 1099-K from your payment processor or bank. This is just an information reporting form and doesn't automatically mean you owe taxes on the full amount. You'll still need to determine your "basis" (what you originally paid) for the items to figure out if you had a gain or loss. Most people selling personal clothing collections typically sell at a loss, which wouldn't be taxable.
Do wire transfers even generate 1099-Ks though? I thought those were mainly for payment platforms like PayPal, Venmo, etc.
Micah Trail
Just wanted to add some info about penalties for the original poster. Since you had no income in 2021, you probably weren't required to file at all, which means there's no failure-to-file penalty. But if you did have some income from interest or other sources that required filing, here's what you should know: The failure-to-file penalty is typically 5% of unpaid taxes for each month your return is late, up to 25%. If you're more than 60 days late, the minimum penalty is either $435 (for returns due after 1/1/2020) or 100% of the tax owed, whichever is less. But again, this only applies if you were required to file in the first place.
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Nia Watson
ā¢What about the stimulus payments from 2021? Could filing for that year help claim those if someone missed them originally?
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Micah Trail
ā¢Yes, filing a 2021 return could help you claim the third Economic Impact Payment (stimulus) if you were eligible but never received it. The third stimulus payment was $1,400 per person, and it was technically an advance payment of the 2021 Recovery Rebate Credit. If you were eligible for the stimulus but didn't receive it, you can claim it as the Recovery Rebate Credit on your 2021 return. This is a really good point - even if you had zero income and weren't required to file, you might want to file specifically to claim this credit. However, you must file within three years of the original due date to claim this credit, so for 2021 taxes, you'd need to file by April 18, 2025.
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Alberto Souchard
Does anyone know if TurboTax or H&R Block still sell their 2021 software? I found my old W-2 from that year and realized I never filed.
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Katherine Shultz
ā¢I think you can still buy prior year versions on their websites. I just checked and TurboTax definitely still sells 2021 software but it's download only, no CD versions anymore. H&R Block should have it too. Just make sure you're getting the right tax year!
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