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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!
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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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Max Knight
Just wanted to add one more thing - if you had taxes withheld from your paychecks, you definitely want to make sure you file! Since you only made $3200 for the year, you're likely entitled to get ALL of those withholdings back as a refund. Don't leave your money with the IRS!
That's actually super helpful to know! I definitely had taxes taken out of each check. Do you know if I need to file state taxes too? I'm in Illinois if that matters.
Max Knight
ā¢Yes, you should file state taxes for Illinois as well. Illinois has a flat income tax rate (currently 4.95%), and similar to federal taxes, if you had state taxes withheld from your paychecks, you'll likely get that money back if your income was only $3,200 for the year. The good news is that most tax software will let you file both federal and state returns, and will walk you through the process for both. Many of them offer free filing for simple tax situations like yours.
Emma Swift
If all else fails, you can always request your wage and income transcript directly from the IRS. It won't come in time for this tax season, but it will show all income reported under your SSN including those W2s you're missing. Go to irs.gov and search for "Get Transcript Online" or call the transcript request line at 800-908-9946.
This is actually not correct information. The wage and income transcript for 2024 is generally available by May-June of 2025. So it would be available before the October extension deadline if the OP needs to file an extension.
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Maya Diaz
Don't overthink this. I've done private loans for three different properties. The key is documentation, documentation, documentation. Make sure your loan has: - Clear terms written down and signed by both parties - A reasonable interest rate (even if it's very low) - A defined repayment schedule - Regular payments that you can track If it's a family member, be aware of gift tax rules. If they're charging no interest or below-market rates, there could be some imputed interest issues as others mentioned.
Tami Morgan
ā¢What exactly counts as "reasonable" interest? My parents want to charge me 1% interest on a house loan which is obviously way below market rate. Is that going to be a problem?
Maya Diaz
ā¢The IRS publishes what's called the Applicable Federal Rate (AFR) each month, which is the minimum interest rate they consider legitimate for loans. These rates are typically lower than commercial rates. For example, as of last month, the long-term AFR (for loans over 9 years) was around 3-4%. If your loan charges less than the applicable AFR, the IRS might "impute" interest, meaning they treat the loan as if it charged the minimum rate even if it doesn't.
Rami Samuels
Has anyone actually been audited over a private loan? I borrowed $200k from my grandparents for my house last year and we didn't create any formal paperwork because, well, they're my grandparents. Now I'm worried...
Without proper documentation, the IRS could potentially reclassify that $200k as a gift rather than a loan, which could have significant consequences. The annual gift tax exclusion is only $17,000 per person (as of 2023), so amounts beyond that would count against your grandparents' lifetime gift/estate tax exemption.
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Amara Okafor
Something no one has mentioned yet - if you made improvements to your house during ownership, those costs increase your basis which could lower your gain even more. Things like a new roof, kitchen remodel, additions, etc all count! Make sure you have receipts though.
Ethan Moore
ā¢Thanks for pointing this out! We actually did a bathroom remodel (~$22k) and replaced all the windows (~$15k) a few years ago. I have receipts for everything. Do these improvements get listed somewhere specific on the tax forms?
Amara Okafor
ā¢You'll add those improvement costs to your original purchase price when calculating your adjusted basis on Form 8949. So if you bought the house for $200k and did $37k in improvements, your adjusted basis would be $237k. The difference between your selling price (minus selling expenses) and this adjusted basis is your actual gain for tax purposes. This means your real gain is likely even lower than you initially calculated, putting you even further below the $500k exclusion threshold. Still need to report it though!
Can someone explain EXACTLY where on Schedule D this goes? My tax software is confusing me with all the different sections and I'm selling my house this year too.
You'll list it on Form 8949 first (Part II for long-term holdings) with code "H" in column (f), then the excluded amount as a negative number in column (g). Then the totals flow to Schedule D, Line 8. If you're using software like TurboTax or H&R Block, they should walk you through this if you tell them you sold your primary residence.
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Khalid Howes
Just a heads up that if ur state has a franchise tax for corporations (like California) you might still have to pay it even as an LLC electing corporate tax treatment. Learned this the hard way last year with my LLC lol. Check your state's specific rules!!!
Ben Cooper
ā¢Yep, this is critical. Texas has the same issue - my LLC that's taxed as an S-corp still has to file and pay franchise tax even though federally we're an S-corp. Cost me $3,500 I wasn't expecting my first year.
Naila Gordon
Something else to consider is if you ever want outside investors, many prefer traditional corps over LLCs. My tech startup started as an LLC taxed as a corp, but when we sought angel funding, we had to convert to a C-corp anyway. Investors didn't want pass-through tax consequences and preferred the standard shareholder structure. Just something to keep in mind if future funding is a possibility.
Cynthia Love
ā¢This is huge! We had to do the same thing. Our attorneys said converting from LLC to C-corp cost us an extra $11k in legal fees compared to if we'd just started as a C-corp. Depends on your longterm goals I guess.
Would this apply to a small retail business too or mainly tech startups? We might seek a small business loan but not planning on angel investors or anything fancy.
Kristian Bishop
Something nobody's mentioned yet - if you owe $28k, make sure you're aware of the different payment plan options. For amounts over $25k, you typically need to provide additional financial information and the approval process takes longer. If you can get your balance under $25k (by making a partial payment), you can qualify for a streamlined installment agreement which is much faster to set up. Just something to consider while you're waiting for the official details.
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Aaron Boston
ā¢This is really helpful - I had no idea there was a threshold at $25k! Do you think I should try to pay $3k now to get under that limit? Would that speed things up or just complicate the application I already submitted?
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Kristian Bishop
ā¢Making a payment to get under the $25k threshold would definitely help speed things up. The streamlined process is much simpler and typically processes faster. It won't complicate your existing application - the IRS will just see that you've made a payment and recalculate your plan based on the new balance. Just make sure you use Direct Pay on the IRS website and select the correct tax year and reason for payment (installment agreement request). A $3k payment now would also save you quite a bit in penalties and interest over time.
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Kaitlyn Otto
Has anyone used the IRS2Go app for this kind of situation? I heard you can make payments through it even if your payment plan isn't finalized yet.
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Axel Far
ā¢Yes! The IRS2Go app is actually really good for making payments. It links directly to IRS Direct Pay and the other payment processors. I used it last year when I was in a similar situation and it worked perfectly. The interface is much easier than navigating the main IRS website.
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