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Pro tip: If you're getting stuck in the TurboTax interface, try switching browsers or using incognito mode. I had this exact same issue where direct deposit and payment plan options weren't showing up. Turns out my browser extensions were interfering with some elements on the page. Switched to Edge (which I never use) and suddenly all payment options appeared!
Really? What browser extensions would cause that? I'm using Chrome with adblock and a few others. Could that be why I'm only seeing credit card options too?
I think it was my ad blocker causing the issue. It was blocking some elements on the TurboTax payment page. I'm not 100% sure which extension was the culprit, but when I tried in Edge with no extensions, everything loaded properly. Another possibility is to try clearing your cache and cookies for the TurboTax site. Sometimes data from previous sessions can cause weird display issues.
Has anyone tried calling TurboTax support directly? I had this problem and called them - turns out there's a glitch in their system that sometimes doesn't display all payment options depending on how you answer previous questions in the tax interview. The rep had me go back and change my answer to the question about "how do you plan to pay your taxes" much earlier in the process, then the direct payment option finally showed up.
Just wanted to share that many H&R Block and some Jackson Hewitt offices are Certifying Acceptance Agents who can handle the ITIN application right there when they prepare your taxes. They verify your original documents on the spot so you don't have to mail anything to the IRS. We did this for my mother-in-law last year and it was SO much less stressful than sending her Philippine passport through the mail. It cost a bit extra but the peace of mind was worth it.
Do they speed up the actual processing time though? Or just help with the document verification part?
They don't speed up the IRS processing time once it's submitted, but they eliminate the extra time your documents would spend in transit to and from the IRS. They also help prevent errors that could cause delays or rejection. In our case, the tax preparer caught that we had the wrong type of visa documentation before submission, which definitely would have caused issues. Overall, our total wait time was about 9 weeks from submission to receiving the ITIN, which seemed faster than friends who mailed everything themselves.
WARNING! Be careful with who prepares your W-7. My cousin used some "tax preparer" from Facebook who charged $200 to handle her husband's ITIN application, and it was rejected TWICE because they filled out Section 6 completely wrong. Wasted 5 months and had to pay penalties for late filing! The IRS is super picky about the W-7 form. Make sure whoever helps you is actually qualified. Ask specifically about their experience with ITINs, not just general tax preparation.
This happened to my neighbor too! They used some random preparer and later found out the person wasn't even a legitimate Certifying Acceptance Agent. So many scammers target immigrants specifically :
If you know roughly what you owe, just pay it now!! I made the mistake of waiting for the IRS to "process" my return last year and ended up with almost $300 in interest and penalties because it took them 3 months to process everything. The interest clock starts ticking from the original filing deadline, not from when they process your return or send you a bill. I know it feels weird to pay when they haven't asked for the money yet, but trust me, paying sooner rather than later is the way to go.
This is what worries me! Did you have any issues with them properly applying your payment when you made it before they processed your return? And how did you figure out the exact amount with penalties?
No issues with them applying the payment - I paid through the IRS Direct Pay system and selected the correct tax year and form type. The payment posted correctly once they processed my return. As for calculating the exact amount with penalties, that was the tricky part. I didn't know how to do that accurately, which is why I ended up with a small balance due notice later. If I could do it again, I would either pay a bit more than I thought I owed to be safe or use one of the services others have mentioned to get a more precise calculation.
Anyone else having trouble even logging into the IRS website lately? I keep getting timeout errors.
Try early morning (like 6-7am) or late evening. Their site gets overloaded during peak hours. Also clear your cookies or try a different browser. Their site is notoriously bad with certain browser versions.
Thanks for the tip! I'll try early tomorrow morning. Been trying in the afternoon and it's been completely useless. Their tech is so outdated it's ridiculous.
Sharing my favorite tax meme: "Tax Season is just finding out if you sent the government the right amount of your money that they already took from your paycheck all year." š I feel this in my soul right now as I'm digging through receipts.
That's painfully accurate! My personal favorite is "Why is the 1040-EZ form 36 pages long? NOTHING about taxes is EZ!
Hahaha that one hits too close to home! I've been sending that exact meme to everyone. My other favorite is the one with the dog sitting in the burning room saying "This is fine" but photoshopped with tax forms all around š
Serious question - does anyone else find that tax memes are actually educational sometimes? I learned what a W-9 was from a joke about freelancers, and now I understand Schedule C better from all the self-employment memes floating around.
YES! I literally learned about quarterly estimated payments from a meme that was like "When you realize April, June, September and January are actually quarterly" with a shocked face. My accountant was impressed I even knew about them for my side gig.
GalaxyGazer
Have you double-checked your withholding status? When you had a baby, did you update your W-4 with your employer? A lot of people don't realize that having a child doesn't automatically change your withholding - you need to submit a new W-4 form to your employer. Also, with the bonus repayment situation, there's a specific way this should be handled for tax purposes. If the bonus was paid in the current tax year and repaid in the same year, the W-2 should simply not include that amount. If it was paid in a previous year and repaid this year, there are special rules under Section 1341 of the tax code.
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Chloe Robinson
ā¢You know what, I didn't update my W-4 after having the baby! I just assumed the child tax credit would be applied when filing, didn't realize I needed to adjust my withholding throughout the year. The bonus was both paid and repaid in the same tax year (2024), so it sounds like it should have been completely excluded from my W-2 rather than shown as a deduction?
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GalaxyGazer
ā¢Exactly right! The child tax credit is applied when filing, but updating your W-4 would have reduced your withholding throughout the year, giving you more in each paycheck instead of waiting for a refund. Many people prefer this approach rather than giving the government an interest-free loan. For the bonus that was paid and repaid in the same tax year, yes - it should have been completely excluded from your W-2 as if it never happened. It shouldn't appear as income and then be offset by a deduction. This could definitely be causing part of your tax issue. I'd suggest asking your payroll department specifically about this - whether they excluded the bonus amount completely from your taxable wages or if they included it in income and then added a deduction. The former is correct; the latter could be causing your tax problem.
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Mateo Sanchez
Don't forget to look at state taxes too! I had a similar issue last year where my federal W-2 was correct but my state withholding was way off. It's worth adding up your state withholding from each paystub separately.
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Aisha Mahmood
ā¢This is great advice. Last year I had correct federal withholding but the state withholding column on my W-2 was completely wrong. Turns out my employer had been withholding for the wrong state for three months after I moved! Double-check everything, especially if you've had any life changes.
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