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I've been through this exact situation. Here's what you need to know: โข Filing with a new dependent after divorce ALWAYS triggers additional verification โข The IRS cross-checks with your ex-spouse's return to ensure no duplicate claims โข The normal 21-day timeline doesn't apply to your situation โข You're likely in the "Path Act" verification process โข This can take 45-60 days, sometimes longer What to do: โข Check your transcript for code 570 (hold) or 971 (notice issued) โข If you see code 420, that's an audit indicator โข Have your divorce decree and custody documents ready โข Don't panic - most of these resolve automatically This is frustrating but completely normal for your situation.
What's the diff between "accepted" and "approved"? TT said mine was accepted too but WMR still says processing.
This is incredibly helpful! I filed on January 23rd with a similar situation and was getting worried. Appreciate the detailed breakdown of what to expect.
OMG I was in EXACTLY your situation last year! First time filing with my daughter after divorce finalized in December. I was checking WMR like 10 times a day and driving myself CRAZY! But it all worked out fine - took about 7 weeks total to get my refund. The system is just extra careful with new dependent situations. I had all my documentation ready (custody agreement, school records, medical bills) but they never even asked for it. Hang in there!
I want to caution you about one thing that happened to me last year. I was in a similar situation and assumed everything was fine. Here's what I should have done: 1. First, verify your e-file was actually transmitted by checking your tax software status 2. Second, check your email for any rejection notices (sometimes they go to spam) 3. Third, create an IRS online account if you haven't already 4. Fourth, check both account and return transcripts 5. Finally, if nothing shows after 21 days, contact the IRS directly I waited too long assuming it was normal processing, but my return had actually been rejected due to an AGI mismatch from the previous year. By the time I figured it out, I was already 6 weeks delayed.
Have you tried checking your state tax refund status? Sometimes the state system will show acceptance even when the federal systems don't. Isn't it interesting how the two systems that should be communicating with each other often tell different stories? If your state shows acceptance, it usually means your federal return was also received since most software submits them together.
I believe this could be helpful, but I should mention that this isn't always reliable. Some states process independently from federal, especially if you use separate submission systems. It might provide a clue, though it's not definitive evidence of federal processing status.
Have you considered that this might actually be a good sign for your tax situation? Think about it - tax advance loans are essentially lending you a portion of your expected refund. If they're offering less, could it mean your actual refund is projected to be smaller? And isn't a smaller refund actually better financial planning? The ideal tax situation is to break even - not owe anything and not get a big refund. A large refund means you've been giving the government an interest-free loan all year! Maybe your withholding is more accurate now? You need to act quickly though - if there is an issue with your return that's causing a smaller refund, identifying it now could make a big difference!
Tax advance loans have changed significantly for 2024 filing season. Here's what you need to know: โข Advance loan amounts are typically 25-50% of your expected refund โข Many tax providers reduced their maximum advance amounts this year โข Credit requirements have become stricter across most providers โข The elimination of enhanced Child Tax Credit has reduced many refunds โข Some providers now use tiered approval systems โข Advance approval algorithms now factor in more variables I've seen this pattern across multiple tax preparation companies. The days of easily getting $2000+ advances are largely over unless you have an exceptionally large refund coming. Most people are reporting significantly lower advance offers compared to previous years.
Thanks for breaking this down. So it's not just me. My tax guy didn't explain any of this when I asked why my advance was so small this year. Good to know it's a system-wide change.
I'm curious, have you noticed if this varies by which tax preparation service people are using? I've generally found that the national chains have different advance policies than local preparers, and some might be more generous than others. Although it seems like most have tightened their lending criteria this year, from what I've observed.
Had this exact issue. Military family too. Moved three times in two years. Got my refund in April. Saw a 570 in July. Called IRS. They explained everything. Just routine verification. Nothing to worry about. Never heard anything else about it. Filed this year with no problems.
OMG I'm going through this right now and I'm freaking out!! ๐ซ I got my refund back in June and just checked my transcript yesterday and saw a 570 code from last week! I'm so scared they're going to take my money back or something. I already spent some of it on car repairs! Has anyone actually had the IRS come back and demand money after they already gave you your refund?? I'm literally losing sleep over this! ๐ญ
Yara Elias
Been there. Done that. Missed 2020 taxes. Nightmare. Got letters. Penalties added up. Finally fixed it last summer. Don't wait. Get your W-2 copies now. File both years. Sleep better.
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QuantumQuasar
I work with tax resolution cases regularly. As of April 3rd, 2024, you can still file your 2022 return without triggering automatic audits. The IRS typically begins sending CP59 notices (non-filing notices) around September following the tax year. If you file before receiving formal notices, you'll minimize penalties. The Substitute for Return (SFR) process usually begins 18-24 months after the due date, which would be around October 2024 for your 2022 return.
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Keisha Jackson
โขI can confirm this timeline is accurate. When I missed filing in 2021, I received my first CP59 notice on September 17, 2022. According to IRC ยง6020(b), the IRS is authorized to prepare returns for non-filers, but they typically exhaust notification options first. My experience taught me that addressing it proactively is significantly less stressful than waiting for the automated collection process to begin.
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Paolo Moretti
โขBut doesn't the IRS have limited resources for enforcement these days? With all the budget cuts over the years, are they really tracking down everyone who missed a single filing? Or are they more focused on high-value targets with significant unreported income?
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