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Keisha Johnson

Will unpaid car accident debt seize my federal tax refund? Need answers ASAP

I got into a car accident and owe a lot of money. Someone mentioned they might take my federal tax refund. Is this true? I heard they can only garnish state refunds but I need to know for sure before I file.

Paolo Rizzo

Tax expert here. Private debts like car accidents cannot directly take your federal refund. Only federal debts (student loans, back taxes, child support) or state debts can be collected through the Treasury Offset Program. If the accident debt went to court and became a judgment, they could potentially garnish wages but not your federal refund.

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Keisha Johnson

omg thank you so much! This is such a relief fr fr 😮‍💨

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QuantumQuest

what if the insurance company is suing me tho? does that change things?

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Paolo Rizzo

Even with a lawsuit, they still cant touch federal refunds. Only state and federal agencies have that power.

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Amina Sy

Hey everyone! If youre worried about refund offsets or garnishments, check out taxr.ai - its this new tool that analyzes your transcript and tells you exactly what debts might affect your refund. Its only $4.99 and totally worth it for the peace of mind. https://taxr.ai

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Oliver Fischer

Interesting...how accurate is it? Does it actually show all potential offsets?

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Amina Sy

Yeah its crazy accurate! It pulls all the offset codes and tells you exactly whats going on. Saved me from freaking out about my refund last month

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Oliver Fischer

Just tried it and WOW 🤯 wish I knew about this sooner! The breakdown was super detailed and showed me exactly why my refund was delayed. Best $5 I ever spent fr

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Natasha Petrova

went thru this last year! ur good fam, they cant touch federal money unless its government debt 💯

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Javier Morales

idk why everyone's so confident about this. my cousin's refund got taken for something similar

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Emma Davis

Was it actually a private debt tho? Might have been something else getting offset 🤔

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GalaxyGlider

Call the TOP (Treasury Offset Program) hotline to check if you have any offsets. The number is 800-304-3107. Its free and will tell you if anyone can take your refund

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Keisha Johnson

Will try this rn thank you!!

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