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Chloe Delgado

How to check if IRS will offset my refund for debts before filing?

I want to file my taxes but I'm worried about any debts that might get taken out of my refund. Is there a way to check beforehand? Don't want any surprises when I file and would rather know what I'm dealing with upfront.

Ava Harris

You can check the Treasury Offset Program's website (fiscal.treasury.gov) or call their hotline at 800-304-3107. They'll tell you if you have any federal or state debts that might get offset. Common offsets include student loans, child support, state tax debts, and unemployment overpayments. Just need your SSN to check.

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Jacob Lee

Just called the number and it actually worked! Had no idea I still owed $432 from an old unemployment claim 😭

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1M

Emily Thompson

Does anyone know if they take medical bills? Got a huge hospital bill from 2020 thats been haunting me

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Ava Harris

They don't take private debts like medical bills - only federal and state debts

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Sophie Hernandez

Hey guys, I've been using taxr.ai and it's actually amazing for this kind of stuff. It costs $1 but it analyzes your transcript and tells you exactly what offsets might hit your refund. Really takes the guesswork out. Check it out at https://taxr.ai

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Daniela Rossi

fr fr? how accurate is it? sounds too good to be true ngl 🤔

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Sophie Hernandez

Dead serious! It caught an offset I didn't even know about. Saved me from counting on money I wasn't gonna get anyway lol

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Daniela Rossi

just tried it and wow... wish I knew about this sooner! The detail it gives you is insane 💯

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Ryan Kim

learned the hard way last year when they took my whole refund for an old student loan 😫

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Zoe Walker

bump cause im in the same boat. these surprises are the worst fr

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Elijah Brown

real talk. nothing worse than counting on that money and *poof* its gone 🤡

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Maria Gonzalez

I work at a tax office and honestly the offset system is so complicated. Even we sometimes cant predict everything theyll take. Best bet is to check that treasury number or use an analysis tool before filing.

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Chloe Delgado

thx for the honest answer. feels like they make it complicated on purpose smh

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Natalie Chen

dont forget to check your state offset program too! each state has their own system

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