【纾困金】本文将告诉你，你为什么还没有拿到1400美金？

lianmengwa

1. 你不符合资格，如果你的收入超过75000美金，或者家庭收入超过150000美金，那么你不符合资格，如果你2019年超过了，2020年没超过，但是你报税晚了或者没报税，你一样被认为不符合资格。如果你2020年超过了，2019年没超过，那就是因为你太早报税了。
2. 纾困金支票是按照报税高低，分批发放，你报税较高，还没轮到你。
3. 对于以前直接入账，但是这次没入账的家人们，你们这次可能被改成了支票，或者VISA借记卡。支票或者借记卡，最多可能会比直接入账晚 4-5周。 也是分批发出来，根据你报税的高低，越高越晚，每周大概发700万人的支票或者借记卡。
4. 你提交了2020年的报税，退税，但是你的报税退税还在处理中，如果第三轮纾困金发出来的时候，你的2020年退税正在被IRS处理，那么有可能IRS会暂停你的纾困金发放，而等到处理你的退税以后，按照2020年的退税结果，来决定你是否可以得到纾困金，所以就被拖延了，你可能会在退税处理完成之后，获得第三轮1400的纾困金。
5. 你的最近退税出现了问题，这个普遍存在于2019/2020年退税没收到的人身上，2019年很多人没收到600和1200的原因就是，2019年的退税出现了问题导致的，比如让你补材料你没有补。2020年也是一样的，如果你2019年收到，2020年提交了退税以后，反而没收到了，可能是你的退税出了问题，请联系会计师咨询。
6. 最近的2年没有报税记录，并且2020年11月之前没有提交non-filer 到IRS. 这个现在已经不能做了，最好的解决方法就是去报税2020。
7. 你的纾困金，被debt collector 扣押！比如说你拖欠信用卡好几个月，拖欠贷款很久还不上，你已经被送到collection department 处理了，那么很有可能，你的纾困金已经被扣走来偿还贷款和拖欠的费用。
8. 你搬家了，并且没报税，你的入账以支票或者借记卡的形式。那么IRS无法知道你的新地址。遇到这样情况的家人，请赶快报税，并且去usps做地址转发，但是地址转发不能100%保证转发成功。但是还是有机会的，所以要尽量做！
9. 你直接入账的银行账户关闭了，这种情况会导致延迟，但是不会丢失，你的钱会到你原来的银行，15天之后（每个银行不同，请跟你自己的银行核实），会退回给IRS. IRS之后再处理，发给你支票或者借记卡，根据以前的经验，这种会大概拖延几个月不等。
10. 对于一些小型银行，local的地方金融机构银行，可能会拖延fund到你的账户，他们多拿几天钱就会多赚一些钱，这个是很多人发生过的，但是大银行肯定不会，这种事一般只发生在那些，你都叫不上名字，从来没听说过的银行。

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