I'd be somewhat cautious about assuming everything is fine. I thought the same thing last year when I didn't receive a different IRS notice, and it turned out there was actually an issue with my return that needed to be addressed. The letter had been sent to my old address even though I had updated it on my tax return. By the time I figured it out, I had missed a response deadline and had to go through a whole appeals process. Might be worth double-checking your address is correct in all IRS systems.

I waited exactly 36 days after others in my area received their letters before mine finally showed up. The postmark date was 22 days earlier than when it actually arrived. USPS has been having major delays in some regions. If you're planning to opt out, you need to do so by the 28th of this month to stop the next payment. I'd recommend checking your eligibility through your online account rather than waiting for the letter at this point.

I'm somewhat confused about how this all works. Does the IRS usually send any kind of notification about the offset before they take it? Or do you just find out when you get less money than expected?

TOP offsets are processed before refund issuance. Once the BFS (Bureau of Fiscal Service) processes the offset, your remaining refund follows normal direct deposit timeframes. Financial institutions typically post ACH deposits on the effective date (your DDD), though some may post early. This is standard procedure for all TOP cases.

I had a similar situation and needed my refund urgently. After waiting anxiously for days, I decided to call the IRS to confirm everything was on track. Spent hours trying to get through their phone system with no luck. Then I tried https://youtu.be/_kiP6q8DX5c from Claimyr.com and got connected to an IRS agent in about 15 minutes. They confirmed my deposit was scheduled exactly as shown on my transcript and explained that my bank would receive the funds on the DDD. The peace of mind was worth it, and I could plan accordingly instead of constantly checking my account. Here's how I did it: 1. Used Claimyr to reach an agent 2. Verified my identity 3. Asked specifically about my 846 code and DDD 4. Got confirmation about the exact timing

Based on IRS Treasury FMS protocols, the 846 code with cycle 0705 indicates your refund has entered the final disbursement phase. The DDD of 2/16 is the OFFICIAL date your financial institution will receive the ACH transfer, NOT necessarily when it will post to your account. This distinction is critical and often misunderstood. You need to factor in your bank's ACH processing timeframe, which varies significantly between institutions. Some process immediately, others have a 24-48 hour hold period. I would strongly recommend checking your account on 2/16 and 2/17, as weekend processing may further delay visibility of funds.

The Non-Filer Verification Protocol (NFVP) implemented in 2023 has extended processing times significantly. Transcript updates occur in cycles, with verification completions typically batched on Thursdays for Friday transcript updates. The appearance of any codes represents progression through the verification pipeline.

According to IRM 21.5.6.4.35.3, non-filer verification may require additional processing time. Have you received any CP notices in the mail requesting additional information?

I work with tax resolution cases, and bankruptcy's effect on tax refunds is somewhat complex. In most cases, tax debts less than 3 years old will likely still result in an offset, unless there's possibly an active bankruptcy stay in place. The Treasury Offset Program generally treats bankruptcy-included tax debts according to whether they were dischargeable or not. Your refund this year might be reduced by the remaining tax debt amount, but once that final amount is paid, future refunds should be unaffected. You might want to check your transcript to see if there's a TC 520 code with a closing code of 60-67, which would indicate bankruptcy proceedings affecting your account.

I went through almost the exact same thing last tax season! 😅 Filed Chapter 7 in late 2022, had some lingering tax debt from 2020, and was worried sick about my refund. The IRS did end up taking about $1,800 of my refund to pay off the remaining tax debt (which wasn't dischargeable because it was too recent). But here's the good news - once it was paid off, they released the rest of my refund about 3 weeks later. And this year? No problems at all! Got my full refund in 10 days. The light at the end of the tunnel is real, my friend!