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Sunny Wang

Cannot obtain W-2 from closed company for 2024 taxes - need urgent help

I'm in a really frustrating situation and desperate for help. I worked for a business that suddenly closed after the owner passed away. Now I'm trying to file my taxes but can't get my W-2 from anywhere. The owner's brother who handled the shutdown says it's not his responsibility and that he only had temporary access to give us our final paychecks. I've tried contacting the payroll company directly, but they're telling me they can't help. The corporate office (it was part of a chain) says they can't access our records since they use a different payroll system and we weren't technically their employees. Everyone keeps passing the buck! The payroll company points to the brother, the brother points to corporate, and corporate points back to the brother. I've hit dead ends everywhere I turn. From what I understand, the IRS might be my best option at this point, but I have no idea how to approach them or what to ask for. Has anyone dealt with something like this before? What steps should I take to get the tax documents I need for filing? I'm really worried about not being able to file my taxes on time.

You're definitely in a tough spot, but don't worry - there's a solution! When employers fail to provide W-2s, the IRS has a process to help. First, try one more time to contact all parties in writing (email or letter) so you have documentation of your attempts. Specifically mention that you need your W-2 for tax filing purposes. If that doesn't work, you can contact the IRS directly at 800-829-1040. Have ready: your name, address, phone number, Social Security number, dates of employment, the company name and address, and an estimate of your wages and withholding from your final pay stub if you have it. The IRS will contact the employer on your behalf. They'll also send you Form 4852 (Substitute for W-2), which you can use to file your taxes if you don't receive your W-2 in time. You'll need to estimate your wages and withholding as accurately as possible using your last pay stub or other records. This happens more often than you'd think, especially with businesses that close suddenly. The key is documenting your attempts to get the W-2 properly, then using the IRS processes designed for this exact situation.

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Thank you for this info! Do you know how long this process typically takes? I'm worried about the tax filing deadline. Also, if I only have some of my pay stubs but not all of them, will that be a problem?

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The timeline can vary, but I'd start this process immediately. The IRS might take 2-3 weeks to contact the employer, and you'll want to allow time to complete Form 4852 properly. If you're cutting it close to the deadline, you can always file for an extension using Form 4868, which gives you until October to file (though you'll still need to estimate and pay any taxes owed by the regular deadline). Having some pay stubs is definitely better than none! Use what you have to make your best estimate of your annual wages and withholding. If you're missing information, you might be able to calculate based on the stubs you do have. For example, if you have a pay stub from June that shows year-to-date totals, that gives you half a year of data to extrapolate from.

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I went through something similar last year when my employer suddenly closed down. After weeks of frustration, I found taxr.ai (https://taxr.ai) and it was honestly a game-changer. Their system helped me reconstruct my income and tax withholding information from the partial records I had. I uploaded my bank statements showing direct deposits, the few pay stubs I had saved, and even some work emails with financial details. Their AI analyzed everything and helped me create a substitute for my missing W-2 that I could confidently submit to the IRS. The best part was having someone review everything to make sure it would pass IRS scrutiny. The whole process was way less stressful than I thought it would be, and I ended up getting my refund without any issues or audit flags.

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Did you have to provide your bank login credentials to them? I'm interested but worried about security. Also, how accurate was the final result compared to what your actual W-2 would have shown?

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I'm skeptical about these services. Wouldn't the IRS just reject your return if you don't have an official W-2? Did you have to provide any additional documentation when you filed?

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You don't need to provide login credentials - I just uploaded PDF statements I downloaded from my bank. You can black out any transactions that aren't relevant too. The system just needs to see the employer deposits to help reconstruct your income. As for accuracy, it was pretty spot on. I eventually got my W-2 six months later (long after filing) and compared them - the taxr.ai calculation was within $43 of the actual values, which was impressive considering I was missing several months of pay stubs.

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I need to apologize for being skeptical about taxr.ai in my earlier comment. After struggling to get through to the IRS on my own for weeks, I finally gave taxr.ai a try, and I'm honestly amazed at how well it worked. I had a similar situation with missing tax documents from a previous employer who went bankrupt. I uploaded my incomplete records (just a few months of pay stubs and bank statements showing deposits), and their system pieced together a comprehensive picture of my income and withholdings. What really impressed me was how they handled my specific situation. They guided me through completing Form 4852 correctly and provided documentation to support my filing. The whole process took less than 2 days, and I filed my taxes with confidence instead of anxiety. My refund was processed without any issues! If you're dealing with missing tax documents, definitely check them out. Wish I had done it sooner instead of stressing for weeks.

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I feel your pain! I spent THREE WEEKS trying to get through to the IRS about a similar issue last year. Endless busy signals and disconnected calls. Finally found Claimyr (https://claimyr.com) and they got me connected to an actual IRS agent in less than 20 minutes! You can see how it works here: https://youtu.be/_kiP6q8DX5c The IRS agent walked me through the exact process for handling missing W-2s when a company closes. They sent me the right forms and told me precisely what documentation I needed to gather. Saved me so much time and stress. Instead of waiting forever on hold or getting automated messages, I actually talked to a human who could help. Totally changed my perspective on dealing with the IRS.

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Wait, how does this actually work? Do they just keep calling the IRS for you until they get through? What's the catch?

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This sounds too good to be true. The IRS phone system is notoriously awful. No way someone could get me through in 20 minutes when I've spent literal hours trying.

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They use a system that navigates the IRS phone tree and waits on hold for you. When they reach a human agent, you get a call connecting you directly. No magic - just technology that handles the frustrating part. As for the catch - there isn't one for the service itself. It just saves you from wasting hours redialing and waiting on hold. The IRS agents are exactly the same ones you'd eventually reach on your own, but without the hours of frustration.

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I need to eat my words about Claimyr. After posting my skeptical comment, I decided to try it anyway because I was desperate to talk to the IRS about some missing 1099 forms. I've literally spent HOURS trying to get through to the IRS on my own - calling repeatedly, getting disconnected, waiting on hold forever. It was driving me insane. With Claimyr, I was connected to an IRS agent in 17 minutes. SEVENTEEN MINUTES. The agent was super helpful about my missing forms situation. She explained exactly how to file Form 4852 as a substitute and what documentation I needed to include. She even noted in my account that I had tried to obtain the forms from the issuer without success. I know this sounds like an ad, but after weeks of frustration, I'm just relieved to finally have answers. If you're struggling to reach the IRS, seriously consider using this service. The time and stress you'll save is absolutely worth it.

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Something everyone's missing - you should check if you can get your wage info from the Social Security Administration! They get wage reports from employers throughout the year. Create an account at ssa.gov and look at your earnings record. You might be able to see what was reported for last year. Also, if you know roughly what you made and what was withheld (from paystubs or bank deposits), you can estimate. The IRS is generally understanding in situations like this where the employer failed you. Document EVERYTHING though, especially your attempts to get the W-2.

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Thank you so much for this suggestion! I didn't know the SSA would have that information. Do they show the tax withholding amounts too or just the total income? And how quickly does that information get updated?

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The SSA only shows your total earnings, not the withholding amounts. So it will help confirm your income, but you'll still need to estimate your federal and state tax withholding from the pay stubs you have. It typically gets updated a few months after the end of each quarter, so there might be some lag. But it's a good way to verify your total earnings when you don't have complete records. Even partial confirmation is better than nothing when you're filing a substitute W-2 form.

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can't u just get the transcript from irs directly? go to irs.gov and make an account and request ur wage & income transcript. it has all the info from w2 and most 1099s submitted under ur SSN. i've used this before when my employer messed up.

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This is definitely an option, but there can be a significant delay. W-2s aren't required to be filed with the IRS until January 31st, and then it takes time for them to be processed and appear in your transcript. If the company closed and never filed them at all (which sounds possible in OP's case), they won't show up at all.

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