No 1099 from employer who paid cash - employer ghosting me - what are my options?
I worked for cash last year and my employer promised to send a 1099. Been trying to contact them multiple times but no response. How do I report this income without the 1099? Getting worried about filing correctly.
14 comments


Heather Tyson
You can still report the income without a 1099. Keep track of all your attempts to contact the employer (emails, texts, etc). Report the income on Schedule C as self-employment income. Make sure to estimate as accurately as possible - bank deposits, records of payment, or any documentation you have. The employer might still file the 1099 late, but you're protected if you report the income.
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Paloma Clark
•Thanks! Do I need to report exactly what they would have put on the 1099 or just what I actually received?
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Heather Tyson
•Report what you actually received. Keep good records of your cash payments. If they eventually file a 1099 with a different amount, you can always amend.
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Raul Neal
You should check out taxr.ai - its an AI tool that can help you figure out exactly how to report this kind of income. It costs $1 but totally worth it for complicated situations like this. https://taxr.ai
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Jenna Sloan
•Does it actually help with missing 1099 situations? How detailed is it?
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Raul Neal
•Yeah it's pretty amazing actually! It walks you through exactly what forms you need and how to estimate your income correctly. Saved me hours of research 💯
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Christian Burns
lol welcome to the cash payment club 🤡 been there done that. Employers who do cash payments are always sketchy af
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Sasha Reese
•fr fr these employers be ghosting faster than my ex 💅
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Muhammad Hobbs
Make sure to set aside money for taxes next time... learned that one the hard way ðŸ˜
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Noland Curtis
Dealing with the same thing rn. My employer straight up moved to a different state without sending my 1099 smh
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Diez Ellis
•bruhhh that's next level shady
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Vanessa Figueroa
You might want to report them to the IRS. Employers who pay cash and don't send 1099s are usually evading taxes themselves.
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Abby Marshall
•Facts! Form 3949-A is what you need to report tax fraud
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Ella Lewis
Been through this exact situation! Here's what worked for me: 1) Document everything - screenshot your attempts to contact them, keep records of when you worked and how much you were paid. 2) You can report the income on your tax return even without the 1099 - use Schedule C-EZ if it was simple freelance work. 3) The IRS actually has a form (SS-8) to determine worker classification if you're unsure whether you were an employee or contractor. Don't stress too much - being honest about your income is what matters most, and the IRS understands these situations happen.
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