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Ex claims our kids on taxes when they live with me full-time - How do I fix this without custody agreement?

My ex and I separated last year and our 2 kids have been living with me about 5 days a week, only staying with her on weekends. I provide 100% financial support - pay for their school, clothes, medical bills, food, activities, literally everything. We never got any formal custody agreement since things were mostly amicable until now. Just found out she claimed both kids on her 2024 taxes and already got a huge refund with the child tax credits. I'm furious because that money should have gone toward their expenses which I'm covering. When I confronted her, she said since we don't have a court order, she had every right to claim them. What's my recourse here? Can I still file claiming them? Will I need to paper file with proof they live with me? Has anyone dealt with this situation before?

Mohamed Anderson

Tax professional here. This is actually pretty common with separated parents. The IRS follows the "residency test" for qualifying children - whoever the children physically live with for more nights during the year (the "custodial parent") generally has the right to claim them, regardless of who provides financial support. Since your children live with you 5 days a week, you're the custodial parent. Here's what you need to do: 1. Gather documentation proving the children lived with you (school records showing your address, medical records, statements from teachers/daycare providers, etc.) 2. File your own tax return claiming the children (you'll need to paper file since e-filing will reject due to the SSNs already being claimed) 3. Include a letter explaining the situation and attach Form 8332 (even though she didn't sign it, include it to show she didn't release her claim) 4. Provide documentation of physical custody The IRS will then contact both parties and investigate. Since you have the kids the majority of the time, you should prevail. Be prepared for a longer processing time though.

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Selena Bautista

Thank you so much! This helps a ton. Do you know roughly how long the investigation might take? I'm worried about waiting months for the refund since I was counting on it for some upcoming expenses for the kids.

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20d

Mohamed Anderson

Unfortunately IRS investigations can take 6-12 months these days with their backlog. But don't let that stop you from filing correctly! The good news is you'll eventually get interest on your refund for the waiting period.

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18d

Ellie Perry

I went through this exact scenario last year and it took about 9 months to resolve. Make sure you keep REALLY good records - I had to submit calendar proof of where my kid slept each night.

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Selena Bautista

Thats good to know. I'll start documenting everything better now too. I have texts from her asking for pickups/dropoffs that help show the schedule too, hopefully that will help.

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16d

Landon Morgan

Not to be that person, but you really should get a formal custody agreement. Would solve this problem and many others that will inevitably come up ๐Ÿคทโ€โ™€๏ธ

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16d

Selena Bautista

Yeah, this situation has definitely been a wake-up call. Getting a lawyer next week.

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16d

Teresa Boyd

After going through a similar mess with my ex claiming our kids when they barely ever saw them, I finally found a tool that helped me understand my rights and options. I used taxr.ai to analyze my situation and it showed me exactly what documents I needed, what forms to file, and how to build my case with the IRS. It saved me from having to piece together random advice from different sources. Seriously, check out https://taxr.ai - it breaks down all the dependency exemption rules in plain English and showed me how to prove I was the rightful custodial parent.

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Lourdes Fox

Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?

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22d

Teresa Boyd

It does WAYYY more than just read transcripts. I uploaded some documents showing my kids' living situation, and it explained exactly how the IRS would view my case and what specific evidence would strengthen my claim. It even helped me draft the explanation letter to attach to my paper return. Literally saved me thousands in tax benefits I was entitled to but would have lost otherwise!

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19d

Bruno Simmons

ngl sounds like an ad lol

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Teresa Boyd

LOL I get how it sounds, but when something actually works after dealing with the IRS nightmare for months, you wanna tell everyone. Try dealing with this situation yourself and you'll be evangelical about anything that helps too ๐Ÿ˜‚

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16d

Aileen Rodriguez

After banging my head against the wall trying to reach the IRS about my ex claiming our kids, I finally tried the Claimyr calling app (claimyr.com) and got through to a real person in like 20 minutes. The agent walked me through the whole process of contesting the claims and told me exactly what documentation to submit with my return. It was the best money I've ever spent considering I was about to lose thousands in tax credits I deserved. The agent even documented our call so there's a record in my file about the dispute.

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Zane Gray

Does this actually work? I've spent literal DAYS on hold with the IRS and never get through.

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21d

Aileen Rodriguez

Yeah it actually does. I was skeptical too but I was desperate. They basically navigate the phone tree for you and hold your place in line, then call you when an agent is about to pick up. Talking to a live person made all the difference because they could note my account that a dispute was coming.

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Maggie Martinez

how much does something like that cost tho?

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16d

Aileen Rodriguez

Honestly, whatever it cost was worth every penny compared to losing thousands in child tax credits. The peace of mind alone knowing I had proper guidance from an actual IRS agent was priceless after weeks of stressing.

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16d

Alejandro Castro

Get a custody agreement ASAP!!!! I've been in your exact shoes and it's a nightmare without legal documentation. My ex did this for 3 years and I had to fight the IRS each time. Even with all my evidence, one year they still sided with him because he filed first. The system is messed up.

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Monique Byrd

This! I've worked in family law for 15 years and cannot stress enough how important a formal custody agreement is. Without it, you're asking for problems way beyond just taxes.

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Jackie Martinez

Not everyone can afford lawyers tho ๐Ÿ˜’

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Monique Byrd

True, but many counties have self-help legal centers where you can file the basic custody paperwork yourself. It's not ideal but better than nothing. Also many family lawyers do free initial consults.

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Lia Quinn

From personal experience: don't just paper file and hope for the best. Call the IRS first (which is a nightmare in itself lol). I went thru this and the agent told me to include Form 8332 (Release of Claim to Exemption for Child by Custodial Parent) even though your ex won't sign it - mark on there that she's refusing to sign but that you have custody. Also get a notarized statement from your kids' school showing your address is their primary residence. This helped me ALOT.

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Haley Stokes

This is solid advice right here โ˜๏ธ I'm a tax preparer and the school records are gold for proving residency.

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Asher Levin

Why isnt anyone mentioning the tiebreaker rules? If both parents claim the same kid, and both meet the qualifying child tests, the IRS gives the dependent to whoever has the higher AGI when theres no custody agreement. Thats literally in the IRS rules.

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Serene Snow

That's not entirely accurate. The tiebreaker rules only apply when the child lived with BOTH parents for EXACTLY the same amount of time. In OP's case, the kids live with him 5 days a week vs 2 with mom, so he's clearly the custodial parent regardless of income.

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Asher Levin

Oh i thought they meant the kids go back and forth but theres no set schedule. My bad.

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Selena Bautista

Yeah, to clarify - it's a pretty consistent schedule where they're with me weekdays and with her most weekends. There's occasional variations but it's definitely not 50/50.

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Issac Nightingale

Document EVERYTHING going forward. Get a custody agreement, but in the meantime, keep a detailed log of every day the kids are with you. Save texts, emails, etc. about drop-offs/pickups. Ask the school to provide documentation that you're listed as the primary residence. Take photos of the kids at your house regularly (with timestamps). Have neighbors write statements confirming the kids live with you. And yeah, paper file with all this evidence attached.

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Romeo Barrett

Have u tried to talk to her again? Maybe explain that the IRS will investigate and that she could face penalties for filing fraudulently? she might be willing to file an amended return if she knows shes gonna get caught anyway

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Selena Bautista

I tried that approach already. She basically said "prove it" and thinks that without a court order she's entitled to claim them. She already spent the refund money too so I doubt she'll amend anything voluntarily.

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Romeo Barrett

oof thats rough. yea sounds like you gotta go the legal route then. sorry ur dealing with this BS

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16d

Marina Hendrix

This is why I tell people to sort out dependency claims in the divorce/separation agreement!!! The IRS doesn't want to be in the middle of your custody battle. But since you're here now... First - file your return claiming the kids asap, paper file Second - attach a statement explaining custody situation Third - include proof of residency (school records, medical records, etc) Fourth - YOU NEED TO GET A CUSTODY ORDER. like yesterday. Sorry but this is gonna delay your refund by months while they sort it out. And you'll probably get a love letter from the IRS asking for more documentation.

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Justin Trejo

Can confirm, my refund was delayed 11 months during a similar dispute ๐Ÿ˜ญ

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16d

Alana Willis

I had this same issue with my ex wife. Here's what worked for me: 1) I filed my taxes by mail claiming the kids 2) I attached a letter explaining the situation with documentation (school records showing my address, a calendar showing where kids slept each night with text msgs to prove it) 3) I also attached photos of kids' bedrooms at my house 4) It took 6 months but the IRS sided with me and I got the full refund But seriously, get a custody agreement NOW! I learned my lesson the hard way.

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Tyler Murphy

just curious - did u guys talk about taxes at all before filing season? seems like something that shouldve been discussed beforehand

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Selena Bautista

We did actually. Last year we each claimed one kid as a compromise. I thought we were doing the same this year, but then she went ahead and filed for both without telling me. When I asked about it she said she 'needed the money more than I do' which is ridiculous considering I'm paying for everything.

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Tyler Murphy

wow thats super shady of her. definitely time for a legal agreement!

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Sara Unger

The IRS doesn't care about your verbal agreements or even who pays for what - they mainly care about where the kids physically sleep most nights. Since they're with you 5/7 days, you're technically the custodial parent according to IRS rules. The problem is proving it without a court order. When I was in this situation, I submitted: - School registration showing my address - Pediatrician records showing my address - Statements from neighbors confirming kids lived with me - Photos of kids' rooms in my house - Calendar showing custody schedule - Screenshots of texts arranging pickups/dropoffs It was a pain but I eventually won my case.

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Butch Sledgehammer

Another thing to consider - file for legal custody ASAP not just for tax purposes but because without it, either parent can technically make major decisions without consulting the other. My brother went thru this and his ex tried to move states with the kids since there was no legal agreement preventing it. Nightmare situation.

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Selena Bautista

This is actually my biggest fear. Thanks for the wake-up call - calling lawyers tomorrow.

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Freya Ross

went thru this last year with my sons mother. I used taxr.ai to figure out exactly what documentation I needed and how to present my case. The tool asked me a bunch of questions about our living situation and then gave me personalized advice based on IRS rules. It even generated a letter I could include with my tax return explaining why I was the rightful custodial parent. Super helpful when navigating these complicated situations! https://taxr.ai

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Leslie Parker

idk man sounds sketchy. you really trust some random website with your tax info?

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16d

Freya Ross

No personal info required! It just asks questions about your situation and gives advice based on tax law. Like having a tax pro in your pocket, but cheaper and available 24/7. Seriously saved me from making costly mistakes on my return.

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16d

Sergio Neal

I literally spent WEEKS trying to get through to the IRS about this exact issue last year. Finally used Claimyr (claimyr.com) and got a callback with an actual IRS person who walked me through everything. Talking to a real agent made all the difference because they could see both returns and put notes in the system about the dispute. Totally worth it for something this important where thousands of dollars are at stake.

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Savanna Franklin

PSA: if the other parent has already filed and received a refund with your kids claimed, expect a LONG wait for your refund if you paper file claiming them. The IRS has to investigate, and these cases often take 6+ months. Plan accordingly and don't count on that money anytime soon ๐Ÿ˜ฉ

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Selena Bautista

Well that's depressing but good to know. Guess I'll have to adjust my budget plans for the year.

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16d

Juan Moreno

Im a little confused... you say you provide 100% financial support but somehow don't have custody documentation? If youre paying for literally everything why isnt there any official documentation of that arrangement?

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Selena Bautista

We separated last year and initially everything was amicable - we just worked out our own schedule without lawyers. I pay for everything because I make significantly more than she does and I want the kids to have what they need. But there's no court-ordered support since we never went to court. Looking back, huge mistake obviously.

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Juan Moreno

That makes more sense. Definitely get it documented now tho. You're being taken advantage of!

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Amy Fleming

I'm an enrolled agent and deal with this ALL the time. Here's what most people don't realize: the IRS has a special audit group just for dependent/EIC claims. If both parents claim the same kids, it automatically flags for review. What you need to do: 1. Paper file your return claiming the kids 2. Include Form 8332 marked that the custodial parent (you) did not release claim 3. Write a detailed statement explaining the living situation 4. Include evidence: school records, medical records, daycare records, anything official showing your address as the kids' residence The IRS will contact both parents and request proof. Since the kids live with you most nights, you'll win, but it'll take time.

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Alice Pierce

anyone saying it's about who FINANCIALLY supports the kids is wrong! the IRS doesn't care who PAYS for the kids but who they LIVE WITH most of the time. That's why it's called the "residency test" not the "support test" for qualifying child.

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Esteban Tate

๐Ÿ’ฏ This is accurate. The IRS rules specifically state the qualifying child must live with you for more than half the year. Financial support only matters for qualifying relatives, not qualifying children.

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Ivanna St. Pierre

Fun fact: the IRS has special software that flags returns when the same dependents are claimed by multiple taxpayers. They'll investigate BOTH returns. Your ex claiming them first doesn't mean she automatically wins - it just means she got her refund first. You still have every right to claim them if they live with you majority of the time.

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