American Rescue Plan FAQs: Stimulus Payments and Tax Updates

Since the American Rescue Plan was signed into law in March 2021, the IRS has been working to implement provisions of the law and provide guidance to make sure taxpayers can receive Economic Impact Payments (EIP or stimulus checks) and take advantage of new tax credits during this current tax season. 

Below are frequently asked questions about the American Rescue Plan will impact this tax season and when people can expect to receive their stimulus checks: 

Stimulus Payments 

How much is the third Economic Impact Payment (EIP3) and am I eligible? 

In this version, the maximum payment is $1,400 per qualified individual or $2,800 for a couple.  

In addition, $1,400 payments are now available for all dependents, including children in college and elderly relatives.  

As with previous rounds of payments, economic stimulus payments are phased out, based on adjusted gross income. However, the upper threshold is reduced from $100,000 of adjusted gross income to $80,000 for single filers and from $200,000 down to $160,000 for joint filers. Payments for dependents are also phased out under these thresholds. 

Mixed-Status Families: 

Children of mixed-immigration status families with valid social security numbers are also eligible for the stimulus payments. 

For married couples who file jointly and only one individual has a valid social security number (SSN), the spouse with a valid SSN will receive up to a $1,400 payment for themselves and up to $1,400 for each qualifying dependent claimed on their 2020 or 2019 tax return.  

For taxpayers who do not have a valid SSN, but have a qualifying dependent who has an SSN, they will receive up to $1,400 per qualifying dependent claimed on their return if they meet all other eligibility and income requirements.  

Military Families: 

If either spouse was an active member of the U.S. Armed Forces at any time during the taxable year, only one spouse needs to have a valid SSN for the couple to receive up to $2,800 for themselves, plus up to $1,400 for each qualifying dependent. 

When can I expect to receive my Economic Impact Payment (EIP3)? 

Most eligible U.S. residents received EIP3 in mid-March through direct deposit or will soon receive it by paper check or pre-paid debit card in the coming weeks.

Social Security and other federal beneficiary recipients who did not receive EIP3 through direct deposit can expect the payment in early April the same way as their regular benefits, though some may receive it as a paper check or pre-paid debit card.  

The IRS continues to review data received for Veterans Affairs (VA) benefit recipients and expects to determine a payment date and provide more details soon. 

Check your mail

The IRS urges all expecting an economic impact payment through paper check or pre-paid debit card to check their mail frequently and look out for the payment.  

The IRS hopes to have all payments issued by the end of May, but you can check the status of your economic impact payment with the Get My Payment tool

How is my eligibility for the Economic Impact Payment (EIP3) determined? 

The amount of the third payment is based on the taxpayer’s latest processed tax return from either 2020 or 2019, information from Social Security or other federal beneficiary organization, or information entered previously through the IRS’s Non-tax Filer Tool.  

If the taxpayer’s 2020 return has not been processed, the IRS used 2019 tax return information to calculate the third payment. If the third payment is based on the 2019 return, and is less than the full amount a taxpayer is eligible for, the taxpayer may qualify for a supplemental payment.  

After their 2020 return is processed, the IRS will automatically re-evaluate their eligibility using their 2020 information. If they are entitled to a larger payment, the IRS will issue a supplemental payment for the additional amount. 

Do I need to take any actions to receive my Economic Impact Payment (EIP3)? 

No action is required for most who are eligible for EIP3. 

However, some may need to file a simple 2020 tax return to claim the Recover Rebate Credit to receive some or all of any of the three economic impact payments issued from the federal government.  

Who may need claim the Recovery Rebate Credit? 

The following groups may be among those who should claim the Recovery Rebate Credit and file a 2020 tax return to receive EIP3: 

  • Recent college graduates,  
  • Those who were claimed as dependents in 2019,  
  • Incarcerated or recently incarcerated people,  
  • Mixed-immigration-status families, and  
  • Social Security recipients who did not receive a stimulus payment for their dependents.  

Learn about the Recovery Rebate Credit here.  

What does the third Economic Impact Payment look like (EIP3)? 

For those receiving payments in the mail, the IRS urges these taxpayers to continue to watch their mail for these payments, which could include a paper Treasury check, or a special prepaid debit card called an EIP Card. 

Paper checks will arrive by mail in a white envelope from the U.S. Department of the Treasury.  

The EIP Card will also come in a white envelope prominently displaying the seal of the U.S. Department of the Treasury. The card has the Visa name on the front and the issuing bank, MetaBank, N.A. on the back. Information included with the card will explain that this is an Economic Impact Payment. Each mailing will include instructions on how to securely activate and use the card. 

EIP cards issued for any of the three rounds of payments are not reloadable. Recipients will receive a separate card and will not be able to reload funds onto an existing card. 

The form of payment for EIP3, including for some Social Security and other federal beneficiaries, may be different than earlier stimulus payments. More people are receiving direct deposits, while those receiving payments in the mail may receive either a paper check or an EIP Card. 

 
Tax Refunds and Updates 

When is the tax filing deadline? 

The federal deadline for filing taxes has been extended to May 17. 

In North Carolina, the deadline for filing state taxes is May 17. 

What new tax credits and rebates are available through the American Rescue Plan? 

Earned Income Tax Credit:  

The American Rescue Plan expands the Earned Income Tax Credit for 2021, raising the maximum credit for childless adults from roughly $530 to close to $1,500, while also increasing the income limit for the credit from about $16,000 to about $21,000, and expanding the eligible age range by eliminating the age cap for older workers. 

Child Tax Credit:  

The American Rescue Plan includes changes to the Child Tax Credit (CTC) for the 2021 tax year: 

  • An increase to $3,600 per qualified child under age 6 and $3,000 for a child up to age 17. 
  • An additional $500 credit is available for dependent children in college who are under age 24. 
  • The phaseout begins at lower levels of $75,000 of adjusted gross income for single filers and $150,000 for joint filers. But many higher-income families can still claim the $2,000 credit subject to the prior phaseout rules. 

The IRS will make advance payments of the credit, beginning in July. The exact logistics of that process are still being worked out. 

Read more about changes to the Child Tax Credit here.

Dependent Care Credit

The new law increases the Dependent Care Credit for the 2021 tax year to a maximum of $4,000 for one child and $8,000 for two or more children for households with an adjusted gross income of up to $125,000. But the credit will be reduced below 20% for those with an adjusted gross income of more than $400,000.  

Read more about the Dependent Care Credit here

Student Loan Forgiveness Credit

The American Rescue Plan creates a tax exemption beginning in the 2021 tax year for student loans made, insured or guaranteed by the federal or state governments, as well as loans from private lenders and educational institutions. This does not apply, however, to loans that are discharged in exchange for services rendered.

Read more about the Student Loan Forgiveness Credit here

Do I need to pay taxes on unemployment benefits I received in 2020?   

The American Rescue Plan exempts from federal income tax up to $10,200 of unemployment benefits received in 2020 by a family with an adjusted gross income under $150,000.  

Normally, those benefits would be fully taxable. This tax break is intended to help taxpayers who might be blindsided by an unexpected tax bill on their 2020 returns.  

Please note that unemployment benefits are still taxable at the state level and need to be reported as income on North Carolina taxes. 

I am eligible for the expanded Earned Income Tax Credit made available by the American Rescue Plan and/or received unemployment benefits in 2020, but I already filed my tax return. What should I do to receive my full refund? 

If you claimed the expanded credit on your tax return and/or included your unemployment benefits on your tax return, the IRS will automatically review your tax return again and issue the correct refund beginning in May and continue through the summer. You do not need to file an amended return. 

The IRS will do these recalculations in two phases, starting with taxpayers eligible for the up to $10,200 exclusion. The IRS will then adjust returns for those married filing jointly taxpayers who are eligible for the up to $20,400 exclusion and others with more complex returns. 

What if I already filed my tax return and did not claim a credit because I was previously ineligible for it? 

There is no need for taxpayers to file an amended return unless the calculations make the taxpayer newly eligible for additional federal credits and deductions not already included on the original tax return. For example: 

  • The IRS can adjust returns for those taxpayers who claimed the Earned Income Tax Credit (EITC) and, because the exclusion changed the income level, may now be eligible for an increase in the EITC amount which may result in a larger refund.  
  • However, taxpayers would have to file an amended return if they did not originally claim the EITC or other credits but now are eligible because the exclusion changed their income. 
  • These taxpayers may want to review their state tax returns as well. 

The IRS has worked with the tax return preparation software industry to reflect these updates so people who choose to file electronically simply need to respond to the related questions when electronically preparing their tax returns. See New Exclusion of up to $10,200 of Unemployment Compensation for information and examples.   

I am eligible for new or expanded rebates/credits made available by the ARP but have not filed my 2020 tax return. What should I do to receive my full refund? 

Complete your 2020 tax return as you normally would. The IRS has supplied a new worksheet to reflect the changes and online tax preparer software agencies have been instructed to adapt their programs to reflect the changes.  

I have health insurance through the Health Insurance Marketplace (ACA/Obamacare). What should I do about reconciling my financial assistance for coverage premiums this tax season?

The American Rescue Plan Act of 2021 suspends the requirement that taxpayers pay back all or a portion of their excess advance payments of the Premium Tax Credit for tax year 2020.

What is a Premium Tax Credit

From healthcare.gov: A Premium Tax Credit is a tax credit you can take in advance to lower your monthly health insurance payment (or “premium”).

When you apply for coverage in the Health Insurance Marketplace, you estimate your expected income for the year. If you qualify for a premium tax credit based on your estimate, you can use any amount of the credit in advance to lower your premium (APTC).

In a typical tax year, taxpayers use Form 8962, Premium Tax Credit to figure the amount of their PTC (based on actual annual income) and reconcile it with their APTC (estimated annual income).

If at the end of the year you’ve taken more premium tax credit in advance than you’re due based on your final income, you’ll have to pay back the excess when you file your federal tax return.

If you’ve taken less than you qualify for, you’ll get the difference back through claiming a net Premium Tax Credit.

The Internal Revenue Service has announced that taxpayers with excess Advance Premium Tax Credits (financial assistance) for 2020 are not required to file Form 8962, Premium Tax Credit, or report an excess advance Premium Tax Credit repayment on their 2020 Form 1040 or Form 1040-SR, Schedule 2, Line 2, when they file.

Taxpayers can check with their tax professional or use tax software to figure the amount of allowable PTC and reconcile it with APTC received using the information from Form 1095-A, Health Insurance Marketplace Statement.

For taxpayers claiming a net PTC for 2020: 
The process remains unchanged. They must file Form 8962 when they file their 2020 tax return. See the Instructions for Form 8962 for more information. Taxpayers claiming a net PTC should respond to an IRS notice asking for more information to finish processing their tax return.

For taxpayers who have already filed:
Taxpayers who have already filed their 2020 tax return and who have excess APTC for 2020 do not need to file an amended tax return or contact the IRS. The IRS will reduce the excess APTC repayment amount to zero with no further action needed by the taxpayer.

The IRS will reimburse people who have already repaid any excess advance Premium Tax Credit on their 2020 tax return. Taxpayers who received a letter about a missing Form 8962 should disregard the letter if they have excess APTC for 2020. The IRS will process tax returns without Form 8962 for tax year 2020 by reducing the excess advance premium tax credit repayment amount to zero.

Again, IRS is taking steps to reimburse people who filed Form 8962, reported, and paid an excess advance Premium Tax Credit repayment amount with their 2020 tax return before the recent legislative changes were made. Taxpayers in this situation should not file an amended return solely to get a refund of this amount. The IRS will provide more details on IRS.gov. There is no need to file an amended tax return or contact the IRS. 

For taxpayers reconciling benefits received prior to the 2020 tax year:
As a reminder, this change applies only to reconciling tax year 2020 APTC. Taxpayers who received the benefit of APTC prior to 2020 still must file Form 8962 to reconcile their APTC and PTC for the pre-2020 year when they file their federal income tax return even if they otherwise are not required to file a tax return for that year. 

The IRS continues to process prior year tax returns and reach out to taxpayers for missing information. If the IRS sends a letter about a 2019 Form 8962, the IRS need more information from the taxpayer to finish processing their tax return. Taxpayers should respond to the letter so that the IRS can finish processing the tax return and, if applicable, issue any refund the taxpayer may be due.

See the  Form 8962, Premium Tax Credit, and IRS Fact Sheet for more details about the changes related to the PTC for tax year 2020.

Learn more about how the American Rescue Plan impacts the Affordable Care Act and your ability to get health coverage here.

How can I check my status of my tax return? 

Track the status of your tax refund with the Where’s My Refund? tool at IRS.gov or through the IRS2Go App

While most tax refunds are issued within 21 days, some may take longer if the return requires additional review. 

Taxpayers can start checking on the status of their return within 24 hours after the IRS acknowledges receipt of an electronically filed return or four weeks after the taxpayer mails a paper return. The tool’s tracker displays progress in three phases: 

  1. Return received 
  1. Refund approved 
  1. Refund sent 

To use Where’s My Refund, taxpayers must enter their Social Security number or Individual Taxpayer Identification Number (ITIN), their filing status and the exact whole dollar amount of their refund. The IRS updates the tool once a day, usually overnight, so there’s no need to check more often. 

Additional Resources 

Learn more about the American Rescue Plan 
IRS Interactive Tax Assistant (ITA) 
File Your Federal Taxes for Free 
Ready to File Your 2020 Tax Return? 
VITA Offers Free Help Filing 2020 Taxes 
 

Responding to Crisis: Marking One Year of COVID-19

Last March, few imagined that our community would still be grappling with the coronavirus pandemic a year later.

In many ways it seems the pandemic is nearing an end after this year of hardship and loss: vaccines for the virus are increasingly available, and cases have dropped to a point where North Carolina is easing activity restrictions. 

But we are only just beginning to understand the extent to which this virus has driven our neighbors to the margins of safety, economic security and family stability, laying bare the extreme inequities that have long existed in our community. 

Charlotte Center for Legal Advocacy has spent the last year fighting for our community’s most vulnerable residents as COVID-19 upended daily life.

As we pass this milestone, we take stock of just how much we’ve fought to advance our mission of pursuing justice this past year.  

It’s work we do every day and have always done in our 50+ years of service. But COVID-19 has cast a glaring spotlight on the importance of our mission. 

Pursuing justice: It’s fairness under the law. It’s equal access. It’s meeting basic needs. And it’s making sure our neighbors are equipped to endure any crisis life throws their way, including a global pandemic. 

Today and every day, we continue this hard, necessary work until our community is a stronger, more just and equitable place for ALL. 

Over the past year we:

  • Addressed immediate issues related to agency closures in our local Department of Social Services (DSS), allowing for remote application for benefits and limiting terminations and state unemployment insurance systems to tackle issues stalling federal unemployment benefits.
  • Helped clients navigate individual economic stimulus payments and unemployment insurance programs.
  • Prevented illegal evictions and kept vulnerable populations safely housed.
  • Responded to critical needs for protective orders and intervention due to a sharp increase in domestic violence incidents while our courts were operating on a limited capacity.
  • Monitored the changes in Medicaid, food stamps and other assistance programs to ensure coverage is not disrupted for those who need them in our community.
  • Advocated for language and technological access on administrative applications for health, food and income benefits to ensure all who were entitled to assistance could receive it.
  • Assisted people who have lost their jobs and/or health insurance navigate Affordable Care Act health coverage options and Special Enrollment Periods (SEPs).
  • Ensured members of our community are not falling victim to COVID-19 related scams and losing their income.
  • Helped immigrant families understand the unique ways the pandemic impacts employment, housing, public resources, ICE activity and immigration courts.

Read on to learn more about the need for our services and our impact over the past year.

Meeting Exacerbated Needs

Days after the first cases were reported, we shifted to remote operations, equipping staff to continue our work as the need for help grew exponentially.

For our neighbors living on economic and health margins, the pandemic has further exacerbated their instability in extreme ways.

The need for our services before the pandemic:

  • More than two thirds of low-income households were experiencing at least one civil legal problem that significantly impacted daily life. These rates are much higher for survivors of domestic violence, immigrants, veterans, families, and parents of children with disabilities.
  • In Mecklenburg County, poverty, segregation, and income inequality have pushed residents to the sidelines, concentrating distress in family stability and fortifying barriers to economic opportunity.
  • Children born into poor families in Mecklenburg County are among the least likely in the U.S. to escape poverty.
  • About 300,000 Mecklenburg residents were eligible for our services.

Public agencies closed and delayed services just as newly unemployed individuals found themselves trying to piece together a semblance of stability navigating administrative and public benefits systems for the first time.

Those already depending on these systems (people with disabilities, children, seniors, veterans and their families) were desperate to prevent the illness, hunger and homelessness that could result from losing Medicaid, Food Stamps, Social Security, Supplemental Security Income (SSI) or other benefits.

The combined effects of racial, gender, ethnic, and other forms of bias create multiple barriers for people of color and women as they navigate institutions where entrenched disparities remain the status quo.

This clear intersectionality has yielded disproportionately negative impacts for people of color and women during the pandemic. Because of this reality, we have continued to identify and address systemic racism while fighting to ensure equal access to assistance.

When Mecklenburg County’s Department of Social Services (DSS) closed its offices to the public on March 18 with little notice, we fought to make sure our neighbors could still get benefits and services guaranteed to them under the law.

We made DSS agree to:

  • honor the date of phone calls as date of application for applicants to ensure they receive the maximum amounts of benefits allowed;
  • not terminate benefits for missed deadlines; and
  • allow late appeals, and to post clear signage in front of their buildings outlining this information.

The closure sent applicants to the agency’s call center which meant longer wait times for help.

We made sure people understood their eligibility for public benefits, helped them apply and navigate confusing administrative systems, all while ensuring their rights were protected. When programs and services changed, we kept the community informed.

We continue to advocate for extensions and flexibilities that are favorable to beneficiaries, while serving as a watchdog to ensure those policies are appropriately enforced and accessible to applicants of all backgrounds.

‘Things are smoother now.’

Food Insecurity

Before the pandemic, about 12 percent of Mecklenburg residents, including children, were considered food insecure according to Feeding America. The ongoing economic fallout has swollen that number to almost 16 percent who are on the brink of hunger.

In the last year, our staff assisted 371 people and their families with issues accessing food stamps (SNAP benefits), making sure they could successfully get the assistance they needed to remain stable and understood their eligibility for SNAP and other public benefits.

North Carolina was among the earliest adopters of Pandemic EBT (PEBT), which provides food support for families with children eligible for free or reduced-price meals while schools were closed. Though N.C. took many positive steps in creating this program, there have been hurdles and confusion in the implementation. We have been working closely with clients, partner organizations, and the state to monitor issues on the ground and communicate them to N.C. Department of Health and Human Services to ensure the program works efficiently and families receive these critical benefits quickly.

Healthcare Access

Our health insurance navigators and call-back volunteers assisted over 1000 community members apply and select an affordable health insurance plan for their budget during Open Enrollment Nov. 1 – Dec. 15. Health insurance is critical to safety, stability, and health–particularly during the COVID-19 crisis.

Before the pandemic, one in six Americans had a civil legal problem that negatively impacted their health. We knew that unmet legal needs related to COVID-19 would dramatically worsen health outcomes.

Thirteen percent of Mecklenburg residents don’t have health coverage. More than 500,000 low-income people in N.C. have no options to get health care because they earn too much to qualify for Medicaid and too little to receive financial assistance for health insurance.

COVID-19 forced frontline workers to weigh the risks of working to keep their families stable with the chance of falling critically ill and needing to seek medical care they couldn’t afford. Others lost health insurance benefits with their jobs at a time when access to health care mattered most.

Many who lost their jobs due to COVID-19 did not realize they had the option to apply for health care coverage through a Healthcare Insurance Marketplace Special Enrollment Period (SEP) 60 days after losing coverage. Consequently, many went without it due to their inability to afford private insurance.

Johanna Parra, coordinator of the Advocacy Center’s Health Insurance Navigator Project, was among the first in the nation to discover another option for those who were desperate to get coverage and have peace of mind knowing they could get care if they needed it.

Because all 50 states were under the COVID-19 pandemic national emergency declaration, eligible individuals could apply for coverage through the Affordable Care Act’s Health Insurance Marketplace, also referred to as “Obamacare,” for a Special Enrollment Period through the Federal Emergency Management Agency (FEMA SEP).

Fighting for Equal Access

As soon as Congress passed the CARES Act to provide economic support and COVID-19 relief, there was confusion around the benefits included in the package.

Understanding the CARES Act and COVID Relief: Stimulus Payments and Unemployment Benefits

Families desperate for financial support needed help making sure they received stimulus checks (Economic Impact Payments) issued by the federal government.

Who was eligible? How would payments be distributed? What if payments didn’t arrive?

We answered these questions and more for our clients and the community to ensure everyone eligible for a payment could receive it.

Staff are now helping people address missing stimulus checks and other issues related to the CARES Act as people try to prepare their 2020 tax returns at a time when collection activities and massive job losses strain taxpayers. We are working to resolve these issues and push the IRS to offer specific remedies for various issues related to stimulus checks.

We are also working closely with clients and partner organizations to ensure the latest COVID-19 stimulus opportunities from the American Rescue Plan are understood and correctly received.

Resource guide: Managing unemployment and benefits
We partnered with WCNC Charlotte to produce a resource page to answer questions about stimulus payments and unemployment insurance.

By May of last year, more than one million North Carolinians had applied for unemployment insurance benefits. The volume of applications paired with implementing new assistance programs under the federal CARES Act has caused significant delays, making the process more challenging for applicants.

Working together, Charlotte Center for Legal Advocacy and Legal Aid of North Carolina-Charlotte answered the calls of thousands of frustrated workers to guide them through the application process and appeals. Through direct action and systemic advocacy, these organizations ensured that those who had fallen through the cracks had access to the full payments they deserved.

Prior to the pandemic and historically, North Carolina’s unemployment system made it difficult for eligible residents to receive unemployment benefits, leaving workers with little to no support.

Charlotte Center for Legal Advocacy is focused on removing some of these barriers by focusing on unemployment insurance system reform, essential worker benefits, living wages, and promoting workers’ rights in a right to work state—all of which disproportionately impact People of Color (POC).

We are also monitoring how scams and multi-level marketing schemes (MLMs) target unemployed and low-income individuals, especially during the COVID-19 crisis.

NC Extra Credit Grant


The NC Extra Credit Grant program provides financial support for families struggling to meet the demands of educating and caring for their children during the COVID-19 pandemic. For a parent living on minimum wage, $335 is more than he or she will earn in a week. We worked to spread the word to make sure that families who missed the first deadline didn’t miss this final application period and the chance at financial assistance.

Quick action and a strong partnership generated 24,946 applications submitted; $8 million distributed, in just 18 days.

On September 4, Gov. Roy Cooper announced the Extra Credit Grant: an additional $335 dollars in COVID-19 relief for N.C parents. While middle and high-income families automatically received the payment, low-income families had to apply through the North Carolina Department of Revenue (NCDOR).

These families had just 29 days to learn about the program and apply. Only 10,000 families did so during the initial application period.

Through a pro bono partnership, Legal Aid of North Carolina, Charlotte Center for Legal Advocacy, and Robinson Bradshaw filed a complaint resulting in a court order on Nov.5, 2020 that reopened and extended the application period.

Charlotte Center for Legal Advocacy created a website and extensive communication campaign entitled 335 for NC, which encouraged these parents to apply for the grant through December 7, 2020. More than 32,000 individuals visited the website.

In just 18 days, Charlotte Center for Legal Advocacy, Legal Aid of North Carolina, and Robinson Bradshaw reached hundreds of thousands of families and delivered 24,946 applications to NCDOR resulting in more than $8 million in aid made available to families who needed it most.

Keeping Families Safe and Protected from Exploitation

Housing Rights

State and federal moratoriums on evictions and foreclosures have been implemented and continued over the past year to keep people who couldn’t pay their bills safely housed during the pandemic, but they haven’t been enough to protect everyone.

As we watched infection rates rise, courts in North Carolina started working through backlogged foreclosures. Evictions began ramping up, exacerbating the shortage of affordable housing that existed well before the threat of coronavirus. Homeowners who had to take advantage of forbearance because they could not pay their mortgages will eventually have to repay extraordinary balances on their home loans, many of which cannot be modified. 

The Advocacy Center continues to work with families desperate to keep their homes and stay current on their bills to avoid homelessness and financial ruin. We are making sure people understand their rights and obligations with lenders to help them make informed decisions about their situations. We are also educating the community to make sure our neighbors do not fall victim to scams related to COVID-19.

‘The weight that was lifted off’

Entrepreneur, grandmother, personal shopper, caregiver, and church activist. These are a few of the hats that Mrs. C wears on any given week. She keeps copious amounts of to-do lists to keep herself, her family, and her business in order, a skill she says she learned from the staff at Charlotte Center for Legal Advocacy.

Immigrant families were already targets for exploitation before the pandemic. Fear of deportation, language barriers, and lack of traditional financial resources make it harder for immigrants to get assistance and leave them vulnerable.

Owners of substandard housing often rent to immigrants because the owners believe those tenants will be afraid to exercise their rights to habitable housing and to continued tenancy.

Traditional financing options are also often unavailable to immigrant families, which makes them easy targets for predatory financing options such as contracts for deed, options to purchase, installment sales contracts or lease with option contracts. These are enforced through eviction procedures and are complicated to defend without legal assistance.

Immigrants are also targeted for predatory sales of mobile homes, which can be substandard. These situations often involve predatory financing methods on land that is rented and are subject to eviction from the land, also requiring complicated defense.

The pandemic hit immigrants especially hard. Primary earners lost jobs as businesses shut down and those without legal status didn’t qualify for COVID-19 assistance.

“Because of the virus we lost our jobs and that put us behind on rent. And now it’s worse because my husband had an accident and our court date is tomorrow so we don’t know what we’re going to do … We don’t get help from anyone, those of us who are undocumented. A lot of us are going through this.”

– Advocacy Center client Ismar spoke to WFAE as her family faced eviction in July. Attorney Juan Hernandez was able to negotiate an agreement with the family’s landlord to prevent them from losing their home. Listen to the full story.

Thinking they could take advantage of families in desperate situations, landlords continued to threaten and illegally remove families from their homes.

At a time when our court system was operating on a limited capacity and resources for assistance were scarce, we helped our clients avoid homelessness, remain stable and exercise their rights.

During the COVID-19 pandemic, Charlotte Center for Legal Advocacy continues to find innovative ways to serve our community. In October, our Immigrant Justice Program partnered with Latin American Coalition to host a “curbside” clinic on the CDC Eviction Moratorium. Over thirty clients attended throughout the day to learn how to claim its protections.

We upheld their rights through our work, which included remedies such as cancellation of the contract, recovery of down payment or money paid above and beyond the fair market rental value, damages for unfair and deceptive trade practices, among others. We also conducted community education programs regarding the rights of immigrant renters related to their housing.

Domestic Violence Protection

While officials urged people to stay home to prevent spreading the virus, home wasn’t the safest option for many in our community.

Immigrant women also face additional barriers to escaping domestic violence or abuse, leaving them feeling trapped in abusive situations.

Charlotte Center for Legal Advocacy helps low-income immigrants living in Mecklenburg County who are victims of domestic violence. A recent Allstate Foundation national survey found that 64 percent of Hispanic women say they know a victim of some type of abuse and 30 percent have personally been victimized.

Reports of domestic violence incidents increased significantly along with the need for legal assistance to get necessary protection early in the pandemic as people. Advocacy Center staff helped survivors and their families navigate administrative changes to get the protections they needed while our courts were closed.

Our Response Continues

We are all weathering the same storm, but we are not all in the same boat.   

The past year has made it clear just how critical access to safety, security and stability is for everyone in our community.

But barriers that prevent equal access to these needs persist. And our current safety net is simply not wide or strong enough to support everyone who needs it.

Much like the Great Recession of 2008, the recovery for those hit hardest by COVID-19, those we serve, will take years. Some will never recover.

The need is everywhere. That’s why we’re here, fighting to help families not only stay afloat but also thrive. And we’re not going anywhere.

Today and every day, we continue this hard, necessary work until our community is a stronger, more just and equitable place for ALL. 

Find the latest COVID-19 Updates

Learn about our 2021 Advocacy Agenda

Support Our Work

American Rescue Plan Offers Relief

Third COVID-19 Relief Package Passes as Pandemic Marks One Year  

Updated April 8, 2021

On March 11, 2021, President Biden signed the American Rescue Plan into law as the largest and most recent COVID-19 relief package extending $1.9 trillion dollars in aid to families, businesses, nonprofits, and states. This third round of aid comes as Charlotte Center for Legal Advocacy marks a full year fighting to support families under the pandemic.  

And our work is far from done. 

As we learn more about how the plan’s programs and funding will be implemented, we will update our website and social media accordingly. Please contact us at the appropriate numbers below if you or your family are struggling and need assistance.   

This list is not exhaustive, and the bill contains programs and funding not listed here.   

Here is what we know so far:  

ECONOMIC IMPACT PAYMENTS (STIMULUS CHECKS) AND TAX CREDITS 

The American Rescue Plan includes a third round of tax-free economic stimulus payments. 

In this version, the maximum payment is $1,400 per qualified individual or $2,800 for a couple. In addition, payments are now available for all dependents, including children in college and elderly relatives. Children of mixed-immigration status families with valid social security numbers are also eligible for the stimulus payments

The additional amount for dependents is significantly higher – $1,400 per eligible dependent. 

As before, economic stimulus payments are phased out, based on adjusted gross income. However, the upper threshold is reduced from $100,000 of adjusted gross income to $80,000 for single filers and from $200,000 down to $160,000 for joint filers. Payments for dependents are also phased out under these thresholds. 

The IRS expects to begin sending out payments in March. 

Third Economic Stimulus Payments Will Be Based on 2019 or 2020 Tax Returns: 

The American Rescue Plan provides that if your 2020 tax return is not filed and processed by the time the IRS starts processing your third stimulus payment, the tax agency will use information from your 2019 tax return. If your 2020 return is already filed and processed when the IRS is ready to send your payment, then your stimulus check eligibility and amount will be based on information from your 2020 return.  

If your 2020 return is filed and/or processed after the IRS sends you a stimulus check, but before July 15, 2021 (or September 1 if the April 15 filing deadline is pushed back), the IRS will send you a second payment for the difference between what your payment should have been if based on your 2020 return and the payment sent based on your 2019 return. 

If you have questions about the economic impact payments, contact a tax advocate at 980-202-7329   

Child Support Won’t Be Taken Out of Stimulus Checks

As with second-round checks, third stimulus checks will not be reduced to pay child support arrears. 

Wage Garnishment:

The COVID-Related Tax Relief Act prevented garnishment of second-round stimulus checks by creditors or debt collectors. They could not be lost in bankruptcy proceedings, either. The IRS also had to encode direct deposit second-round payments so that banks knew they could not be garnished. This is in contrast with the CARES Act, which did not provide similar protections for first-round payments. These protections are included for the third stimulus payment as well.

Under the American Rescue Plan, payments will be protected from reduction or offset to pay federal taxes, state income taxes, debts owed to federal agencies, and unemployment compensation debts. (As well as child support, as was discussed above.) However, as with first-round checks under the CARES Act, there will be no additional protections against garnishment by private creditors or debt collectors for third-round payments.

Earned Income Credit 

The American Rescue Plan expands the Earned Income Tax Credit for 2021, raising the maximum credit for childless adults from roughly $530 to close to $1,500, while also increasing the income limit for the credit from about $16,000 to about $21,000, and expanding the age range that is eligible by eliminating the age cap for older workers. 

Child Tax Credit

The American Rescue Plan includes changes to the Child Tax Credit (CTC). Under current law, the CTC is equal to $2,000 for each qualified child under age 17 who resides with you for at least six months of the year. Up to $1,400 of this amount is refundable, but the credit begins to phase out at $200,000 of adjusted gross income for single filers and $400,000 for joint filers. 

This credit will not go into effect until the 2021 tax year, which will be filed in Spring 2022.

The new law provides the following revisions for the 2021 tax year: 

  • An increase in the CTC to $3,600 per qualified child under age six and $3,000 for a child up to age 17. 
  • An additional $500 credit is available for dependent children in college who are under age 24. 
  • The credit is fully refundable. 
  • The phaseout begins at lower levels of $75,000 of adjusted gross income for single filers and $150,000 for joint filers. But many higher-income families can still claim the $2,000 credit subject to the prior phaseout rules. 

Finally, the IRS will make advance payments of the credit, beginning in July. The exact logistics of that process are still being worked out. 

Dependent Care Credits 

The American Rescue Plan substantially increases the Dependent Care Credit for many moderate-to-high income taxpayers. 

Presently, the Dependent Care Credit is available for qualified expenses of caring for children under age 13 to allow you (and your spouse, if married) to be gainfully employed. The credit is generally equal to 20 percent of the first $3,000 of qualified expenses for one child and $6,000 for two or more children. Thus, the maximum credits are $600 and $1,200, respectively. 

The new law enhances the Dependent Care Credit for the 2021 tax year.

It increases the maximum credit to $4,000 for one child and $8,000 for two or more children for households with an adjusted gross income of up to $125,000. But the credit will be reduced below 20% for those with an adjusted gross income of more than $400,000. Finally, the credit for 2021 is refundable. 

This credit will not go into effect until the 2021 tax year, which will be filed in Spring 2022.

Student Loan Forgiveness Credit 

If a debt is forgiven or cancelled, it generally results in taxable income to the debtor. However, in limited cases, debts of student loans that are forgiven may be exempt from tax. 

The American Rescue Plan effectively creates a tax exemption for student loans made, insured or guaranteed by the federal or state governments, as well as loans from private lenders and educational institutions. This does not apply, however, to loans that are discharged in exchange for services rendered.

This provision is effective beginning with the 2021 tax year and lasts through the 2025 tax year but could be extended or made permanent. 

Taxes on Unemployment Benefits  

The American Rescue Plan exempts from federal income tax up to $10,200 of unemployment benefits received in 2020 by a family with an adjusted gross income under $150,000. Normally, those benefits would be fully taxable. This tax break is intended to help taxpayers who might be blindsided by an unexpected tax bill on their 2020 returns. 

Please note that states can still tax unemployment benefits as income.

UNEMPLOYMENT INSURANCE 

The American Rescue Plan extends the CARES Act’s unemployment insurance expansion through Sept. 6, 2021. Specifically, this act:   

Provides an additional $300 per week to on top of what beneficiaries are getting through their state unemployment insurance program. 

The first $10,200 of jobless benefits accrued in 2020 would be non-taxable for households with incomes under $150,000. Please note that states can still tax unemployment benefits as income.

Extends the Pandemic Unemployment Assistance (PUA) program, which provides continued unemployment assistance to the self-employed, freelancers, gig workers, part-time workers and other individuals in non-traditional employment. It also increases the number of weeks of PUA benefits an individual may claim, from 50 to 79;  

Extends the Pandemic Emergency Unemployment Compensation (PEUC) program, providing additional weeks of federally-funded benefits to workers who have exhausted their regular state unemployment benefits. It also increases the weeks of PEUC benefits an individual may claim, from 24 to 53.  

Apply for unemployment at the Department of Employment Security website or call 1-888-737-0259. If you have questions regarding your application or how the new relief bill affects your unemployment benefits, call our hotline 980-256-3979 and leave a message to receive assistance in English or Spanish. 

EMERGENCY MORTGAGE, RENTAL AND UTILITY SERVICES 

The plan provides $25 billion for emergency rental assistance, including $5 billion for emergency housing vouchers for people experiencing homelessness, survivors of domestic violence and victims of human trafficking.  

The plan also sends roughly $20 billion to state and local governments to help low-income households cover back rent, rent assistance and utility bills. There is $4.5 billion for the Low-Income Home Energy Assistance Program (LIHEAP) to help families with home heating and cooling costs. 

You can apply for utility assistance through the Low-Income Home Energy Assistance Program or RAMP Charlotte

The plan does not extend the CDC Eviction, which is set to expire at the end of March or the federally-backed Foreclosure Moratoriums, which are set to expire at the end of June. Read more here

**Update as of March, 29, 2021** The CDC recently extended these moratoriums through June 30, and Gov. Roy Cooper has also extended the statewide residential eviction moratorium for N.C. through June 30.

Read more on how you can use the moratorium to prevent eviction here.  

FOOD AND NUTRITIONAL ASSISTANCE 

Millions of families across the country are struggling to put food on the table. This act addresses food insecurity by:  

  • Extending the current 15 percent increase in food stamp benefits through September 2021, instead of letting it expire at the end of June. 
  • Providing $880 million for the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) to help increase participation and temporarily improve benefits 
  • Allowing states to continue the Pandemic-EBT (PEBT) program through summer for families with children who qualify for free and reduced meals in school. The program gives families financial assistance to replace the meals the kids would have received if schools had not been closed due to COVID-19. 

If you need assistance with applying for SNAP, PEBT, or other public benefits, contact our Family Support and Healthcare team at 704-376-1600.  

CHILD CARE 

The plan includes a number of provisions to increase access to child care, including an additional $15 billion through Sept. 30, 2021 for the Child Care and Development Block Grant. 

It does not reinstate mandatory paid family and sick leave approved in the CARES Act. But it will continue to provide tax credits to employers who voluntarily choose to offer the benefit through October 1, 2021. 

STUDENT LOANS 

Many federal student loans are continuing in forbearance, which is scheduled to end October 1. If student loan debt is forgiven after December 31, 2020, and before January 1, 2026, the cancelled debt won’t be taxed. 

FINANCIAL ASSISTANCE FOR HEALTH INSURANCE 

More Help to Pay for Health Coverage under the Affordable Care Act (ACA)

The American Rescue Plan provides financial assistance to help consumers get health insurance through the Federal Health Insurance Marketplace under the Affordable Care Act (ACA or Obamacare).  

Under the plan, consumers can receive increased premium tax credits to pay for coverage in 2021 and 2022, eliminating or reducing premiums for millions of current Marketplace enrollees to ensure that no one on the exchange spends more than 8.5 percent of their income on coverage premiums, regardless of their income level.  

This reduces the current 9.83 percent limit for people with income of 300 to 400 percent of the poverty line and establishes a new premium cap for Marketplace enrollees with higher incomes.  

Under the bill, people with income below 150 percent of the poverty line (about $19,000 for a single person and $39,000 for a family of four) would pay no premiums for a benchmark plan, after accounting for premium tax credits. Families who make more will pay a fixed percentage of income toward Marketplace health coverage.  

This will significantly reduce premiums for people who are currently eligible for financial help by increasing their premium tax credits. For example: 

  • A single individual making $18,000 would pay zero net premium rather than $54 per month (3.6 percent of income) and would qualify for the most generous subsidies for deductibles and other cost-sharing amounts.
     
  • A single individual making $30,000 would pay $85 rather than $195 per month in premiums (3.4 instead of 7.8 percent of income) and would qualify for a plan with reduced deductibles and other cost-sharing amounts. Or, with the bigger subsidy, the same person could opt to buy a gold plan with lower cost-sharing charges for $115 per month.
     
  • A family of four making $50,000 would pay $67 rather than $252 per month in premiums for benchmark coverage (1.6 instead of 6.0 percent of their income) and would qualify for generous cost-sharing reductions.
  • A family of four making $75,000 would pay $340 rather than $588 per month in premiums for benchmark coverage (5.4 instead of 9.4 percent of their income). A typical family could purchase a gold plan with lower deductibles and other cost sharing for about $440 per month (roughly 7 percent of income). 

An open enrollment period is open now through August 15 for anyone who wants to sign up for health insurance or change their current Marketplace plan. 

This open enrollment period gives people a new opportunity to get covered and take advantage of the financial assistance enacted as part of the relief package. 

Streamlines process to qualify for ACA subsidies 

The package also enhances premium tax credits (financial assistance) for people who receive unemployment benefits in 2021 by setting their Marketplace eligibility at a projected income levels that guarantee they will get the most generous premium tax credits under an ACA Marketplace plan, regardless of what their actual year-end income ultimately is. This includes people who have previously found themselves in the Medicaid gap. 

The package also eliminates the need to repay ACA subsidies from 2020. Some people lost their jobs early last year but later got new ones and saw higher earnings than they had expected. Others worked additional hours or received bonus pay as essential workers. Under this plan, low- and moderate-income families are exempt from having to repay the premium tax credit (financial assistance) they received in 2020. 

COBRA premiums covered 

Under the relief plan, the government would pay the entire COBRA premium from April 1 through Sept. 30, 2021 for those who lost employer-based coverage due to lay-offs or working reduced hours.  

A person who qualifies for new, employer-based health insurance someplace else before Sept. 30 would lose eligibility for the no-cost COBRA coverage. Someone who leaves a job voluntarily would not be eligible either. 

Incentivizes States to Expand Medicaid Eligibility  

The plan incentivizes states that still have not expanded their Medicaid programs (like North Carolina) to expand eligibility for adults by increasing matching federal funds (raising the state’s Federal Medical Assistance Percentage by 5 percentage points) over two years. 

In North Carolina, this means more than 500,000 residents in the Medicaid gap (those who currently make too little to receive financial help for Marketplace coverage and make too much to qualify for Medicaid) would finally have access to coverage and the health care at a time when they need it most. 

This incentive would pump $2.4 billion new federal dollars into the state in just two years if N.C. is willing to take advantage of it. 

States choosing to expand would be required to maintain Medicaid coverage levels to receive the increase, including the newly established requirement to cover COVID-19 vaccine and treatment (see below). 

Covers COVID Testing and Treatment 

The plan also requires Medicaid and Childrens Health Insurance Program (CHIP) coverage of COVID-19 vaccines and treatment without beneficiary cost sharing. Vaccines and vaccine administration costs would be matched at 100 percent until one year after the end of the Pandemic Health Emergency. States also would have the option to provide coverage to the uninsured for COVID-19 vaccines and treatment without cost sharing at 100 percent. Everyone should have access to COVID testing, treatment, and vaccinations regardless of income, insurance, or immigration status.  

Expands Access to Postpartum and Child Health Care 

The plan also gives states five years to extend their Medicaid and Children’s Health Insurance Program (CHIP) eligibility to include pregnant individuals for 12 months postpartum. States choosing this option must provide the full Medicaid benefit for pregnant and postpartum individuals during the 12-month postpartum period. 

Increased Funds for Home and Community-Based Services 

The plan provides temporary one-year FMAP increase to improve home-and-community-based-services as well as FMAP increases for services provided through the Urban Indian Organizations and Native Hawaiian Health Care Systems. The bill also would provide funding to states for the creation of nursing home strike teams to assist in managing COVID-19 outbreaks when they occur. 

Option to create new Medicaid Program for Crisis Intervention Services 

The plan gives states five years to creates a new optional Medicaid covered service for adults by offering mobile crisis intervention services for adults experiencing a mental health or substance use disorder crisis. 

Have questions about how this plan impacts your coverage options or access to health care? Contact our Family Support and Health Care team by calling 704-376-1600 

¿Ha Perdido Su Trabajo O Esta Trabajando Menos Horas Por COVID-19?

¡El Centro de Apoyo Legal de Charlotte y Asistencia Legal de Carolina del Norte estan aquí para ayudarle!

Hay 5 formas en que le podemos ayudar a usted y a su familia a mantenerse estable:

1. Beneficios de Desempleo:

  • Debe aplicar para recibir beneficios de desempleo lo más pronto posible. Puede aplicar por internet en la página web, des.nc.gov o puede llamar a 1-888-737-0259. Si no puede hablar con alguien enseguida, siga intentándolo y documente todos sus intentos.
  • Recuerde completar las certificaciones semanales en la página web des.nc.gov o llamando todas las semanas al 1-888-737-0259, incluso si su aplicación no ha sido aprobada todavía o si ha sido descalificado para beneficios y ha sometido una apelación.
  • Si trabaja por su cuenta propia, no ha trabajado recientemente o está aplicando para recibir o ya recibe beneficios por incapacidad, usted puede ser elegible para recibir beneficios de desempleo si no tiene trabajo o esta impedido para trabajar debido al COVID-19. Esto incluye a padres que tienen que quedarse en casa porque los niños no están en la escuela.
  • Durante esta emergencia, la cantidad de beneficios de desempleo ha aumentado a $600 semanales hasta el 31 de julio del 2020. También puede recibir los beneficios por más semanas.
  • Inmigrantes con autorización de empleo pueden ser elegibles para recibir beneficios de desempleo. Desafortunadamente, inmigrantes indocumentados no son elegibles.
  • Llame al Proyecto de Seguro de Desempleo en Respuesta a COVID-19 del Centro de Apoyo Legal de Charlotte al 980-256-3979 si tiene preguntas sobre beneficios de desempleo, ha tenido dificultades aplicando o le ha sido negado los beneficios.

2. Pagos de Estímulo

  • La mayoría de la gente debe recibir un pago de estímulo del IRS (Servicios de Ingreso Interno) de $1,200 por cada adulto y $500 por cada niño menor de 17 años. Puede recibir este pago incluso si no tiene la obligación de presentar una declaración de sus impuestos.
  • Tiene que ser autorizado para trabajar en los Estados Unidos para ser elegible para recibir estos pagos. Típicamente, esto significa que usted tiene un número de seguro social que es válido para empleo. Desafortunadamente, esto significa que muchos inmigrantes pueden no ser elegibles para recibir un pago de estímulo.
  • Si no ha recibido su pago, llame a la línea de impuestos del Centro de Apoyo Legal de Charlotte al 980-202-7329

3. Desalojo, Juicios Hipotecarios, Servicios Cortados y Pagos de
Préstamos Estudiantiles

  • Usted no puede ser desalojado por su propietario o tener su casa embargada hasta que tenga una audiencia en la corte. Estas audiencias están aplazadas por lo menos hasta junio del 2020.
  • Si usted tiene un préstamo de hipoteca con una entidad del gobierno como Fannie Mae, Freddie Mac, VA, USDA, FHA o Home Equity Conversion mortgage (“Hipoteca Inversa”), puede tener derecho a dos periodos de 180 días de gracia para sus pagos hipotecarios sin tarifas por pagos atrasados.
  • Se prohíbe la desconexión de servicios, incluyendo electricidad, gas y agua para las personas que no pueden pagar durante la pandemia de COVID-19. También está prohibido cobrar tarifas, multas o interés por pagos atrasados hasta junio. Clientes residenciales tienen por lo menos seis meses para pagar facturas pendientes.
  • Algunos préstamos estudiantiles pueden ser suspendidos hasta septiembre del 2020.
  • Es posible que el Centro de Apoyo Legal de Charlotte y Asistencia Legal de NC puede ayudarle a prevenir su desalojo, juicios hipotecarios o desconexión de servicios. Llámenos al 704-376-1600.

4. Seguro Médico

  • Usted y sus hijos pueden ser elegibles para Medicaid.
  • Si no puede conseguir Medicaid, es posible que pueda inscribirse para cobertura en el Mercado de seguros/Obamacare con ayuda financiera si ha perdido su seguro médico o si ha tenido cambios en circunstancias recientemente. Tiene 60 días después de la pérdida del seguro o cambio en circunstancias para inscribirse.
  • Si ya está inscrito en el Mercado de seguros/Obamacare y no puede hacer sus pagos mensuales es posible que pueda calificar para primas más bajas.
  • El proyecto de navegadores de seguro médico del Centrol de Apoyo Legal de Charlotte puede ayudarle encontrar las mejores y más asequibles opciones de cobertura/seguro médico para usted y su familia. Podemos ayudarle a llenar una aplicación, actualizar su cobertura del Mercado de seguros/Obamacare o contestar preguntas que tenga usted o su familia. También podemos ayudarle si le han negado seguro o servicios. ¡Llame al 980-256-3782 para programar una cita gratis por teléfono hoy!

5. Asistencia con Comida

  • Puede ser elegible para estampillas de comida. La cantidad de beneficios de estampillas de comida ha aumentado y los límites de tiempo/requisitos de empleo han sido eliminados para algunas personas durante la pandemia del coronavirus.
  • Centrol de Apoyo Legal de Charlotte le puede ayudar a aplicar para estampillas de comida por teléfono. También podemos ayudar si le niegan la aplicación. Nuestra ayuda es gratis. Llámenos al 980-256-3782.
  • Hasta familias que no son elegibles para estampillas de comida recibirán una tarjeta de EBT por correo que puede ser usada para comprar comida si sus hijos califican para comida gratis o a bajo precio en la escuela. Su estatus inmigratorio no afecta su elegibilidad para recibir este beneficio. Si no recibe esta tarjeta, llámenos a 704-376-1600.
  • Familias sin ingreso también pueden recibir asistencia en efectivo para sus hijos de Servicios Sociales bajo el programa de Work First. La cantidad de beneficios de Work First han sido aumentados y los requisitos de empleo han sido eliminados durante la pandemia. Puede aplicar por teléfono si llama a Servicios Sociales al 704-336-3000. Si le niegan la aplicación o no puede aplicar, llámenos al 704-376-1600.

Unemployed or working fewer hours during COVID-19? 5 things to consider

Many people are trying to figure out what their options are after losing their jobs or having work hours reduced during COVID-19. Charlotte Center for Legal Advocacy is here to help. Contact us if you need assistance figuring out your options. Here are 5 ways we can help you and your family remain stable: 

1.  Unemployment Benefits:

  • You should apply for unemployment benefits right away. You can apply online at des.nc.gov or by calling 1-888-737-0259. If you cannot get through, keep trying and document your attempts.
  • Remember to fill out the weekly certifications online at des.nc.gov or by calling 1-888-372-3453 every week, even if your application has not been approved yet or you have been disqualified for benefits and have filed an appeal.
  • If you are self-employed, haven’t worked recently, or you are applying for or receiving disability benefits you may be eligible for unemployment benefits if you are out of work or unable to work due to COVID-19. This includes parents who must stay home because their children are out of school.
  • During this emergency, the amount of unemployment benefits has been increased by $600 per week through July 31, 2020. You can also receive the benefits for more weeks.
  • Immigrants with work authorization may be eligible for unemployment benefits. Unfortunately, undocumented immigrants are not eligible.
  • Call Charlotte Center for Legal Advocacy’s Unemployment Insurance COVID-19 Response Project at 980-256-3979 if you have questions about unemployment benefits, are having trouble applying, or have been denied benefits.

2.  Stimulus Payments:

  • Most people should get a stimulus payment from the IRS of $1,200 for each adult and $500 for each child under age 17. You can get this payment even if you are not required to file a tax return.
     
  • You must be authorized to work in the U.S. to be eligible for these payments, typically this means you have a SSN that’s valid for employment. Unfortunately, this means many immigrants may not be eligible for a stimulus payment.
     
  • If you have not received your payment, call Charlotte Center for Legal Advocacy’s Taxpayer Clinic hotline at 980-202-7329

3. Evictions, Foreclosures, Utility Cut-Offs and Student Loan payments

  • You cannot be evicted by your landlord or have your house foreclosed until after a court hearing. Those court hearings are on hold at least until June 2020.
  • If you have a federally backed mortgage loan such as Fannie Mae, Freddie Mac, VA, USDA, FHA or Home Equity Conversion mortgage (“Reverse mortgage”), you may be entitled to two 180-day forbearances on your mortgage payments without late fees being added.
  • Utilities, including electric, gas, and water services are prohibited from disconnection for customers unable to pay during the COVID-19 pandemic and from collecting fees, penalties, or interest for late payments until June. Residential customers have at least six months to pay outstanding bills.
  • Certain student loans may be entitled to have their payments suspended through September 2020.
  • Charlotte Center for Legal Advocacy or Legal Aid may be able to help you prevent eviction, foreclosure, or utility cut-off. Call us at 704-376-1600.

4. Health Care Coverage:

  • You and your children may now be eligible for Medicaid. 
  • If you cannot get Medicaid, you may be able to enroll in Obamacare/Marketplace coverage with financial assistance if you recently lost your health coverage or had a change in circumstances. You have 60 days after losing your coverage or the change to enroll.
  • If you are already enrolled in Obamacare/Marketplace and cannot pay your premiums, you may qualify for lower premiums.
  • Charlotte Center for Legal Advocacy’s Health Insurance Navigator Project can help you find the best and most affordable coverage options for you and your family. We can help you complete an application, update your Obamacare/Marketplace coverage, or answer general health insurance questions. We can also help if you get denied for coverage or services. Call 980-256-3782 to schedule a free, over the phone appointment today!

5. Food Assistance:

  • You may be eligible for food stamps. The amount of food stamp benefits has been increased and time limits/work requirements for some people have been waived during the coronavirus pandemic.
  • Charlotte Center for Legal Advocacy can help you apply for food stamps over the phone. We can also help if you get denied. Our help is free. Call us at 980-256-3782.
  • Even families not eligible for food stamps will receive an EBT card in the mail to use to buy food if their children qualify for free and reduced lunch at school. Your immigration status does not matter. If you do not get this card, call us at 704-376-1600.
  • Families with no income can also get cash assistance for their children from Social Services under the Work First program. The amount of Work First benefits have been increased and work requirements waived during the pandemic. 

    Apply by phone by calling Social Services at 704-336-3000. If you get denied or cannot apply, call us at 704 376-1600.

Information about the CARES Act Economic Impact Payments (Stimulus Checks)

Updated March 11, 2021. Originally posted April 6, 2020

IMPORTANT Notice: 

On March 11th, 2021 President Biden signed a the American Rescue Plan that included additional $1400 stimulus checks per eligible individual.

Learn more about the third payments and the American Rescue Plan here.

If you have questions about your stimulus payments, contact Charlotte Center for Legal Advocacy by calling 980-202-7329.

Many people anticipate receiving the CARES Act’s Economic Impact Payments (Stimulus Checks). Charlotte Center for Legal Advocacy wants to make sure you have the information you need to know what to expect and how to get your payment.

Need help?
Book An Initial Consultation
Request a Callback
Call Us at 980-202-7329

Anyone in need of other assistance from Charlotte Center for Legal Advocacy can contact us by calling 704-376-1600 (Mecklenburg County), 800-438-1254 (Outside Mecklenburg County) or 800-247-1931 (Linea de Español).

Who is eligible for the payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment.

For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $80,000 and $160,000 for joint filers with no children are not eligible. 

Eligible taxpayers who filed tax returns for either 2020 or 2019 will automatically receive an economic impact payment of up to $1,400 for individuals or $2,800 for married couples. Households also receive $1400 for each qualifying dependent. 

Will the IRS take my payment if I have outstanding IRS debts, federal student loans or other government debts?

No. As with second-round checks, third stimulus checks will not be reduced to pay child support arrears either. 

How will the IRS calculate my payment?

The American Rescue Plan provides that if your 2020 tax return is not filed and processed by the time the IRS starts processing your third stimulus payment, the tax agency will use information from your 2019 tax return. If your 2020 return is already filed and processed when the IRS is ready to send your payment, then your stimulus check eligibility and amount will be based on information from your 2020 return.  

If your 2020 return is filed and/or processed after the IRS sends you a stimulus check, but before July 15, 2021 (or September 1 if the April 15 filing deadline is pushed back), the IRS will send you a second payment for the difference between what your payment should have been if based on your 2020 return and the payment sent based on your 2019 return. 

Most people do not need to take any action. The IRS will calculate and automatically send the payment to those eligible. 

How will the IRS know where to send my payment?

The economic impact payment will be deposited directly into the same banking account reflected on your tax return filed. 

The IRS does not have my direct deposit information. What can I do?

The IRS has an online portal, Get My Payment, for individuals to:

  • Check their payment status
  • Confirm their payment type: direct deposit or check
  • Enter their bank account information for direct deposit if the IRS doesn’t have their direct deposit information and the IRS hasn’t sent their payment yet

How to use Get My Payment

Taxpayers only need a few pieces of information to quickly obtain the status of their payment and, where needed, provide their bank account information. Having a copy of their most recent tax return can help speed the process.

For taxpayers to track the status of their payment, this feature will show taxpayers the payment amount, scheduled delivery date by direct deposit or paper check and if a payment hasn’t been scheduled. They will need to enter basic information including:

  • Social Security number
  • Date of birth, and
  • Mailing address used on their tax return.

Taxpayers needing to add their bank account information to speed receipt of their payment will also need to provide the following additional information:

  • Their Adjusted Gross Income from their most recent tax return submitted, either 2020 or 2019
  • The refund or amount owed from their latest filed tax return
  • Bank account type, account and routing numbers

Get My Payment cannot update bank account information after an Economic Impact Payment has been scheduled for delivery. To help protect against potential fraud, the tool also does not allow people to change bank account information already on file with the IRS. 

Is providing bank account information to the IRS when paying your tax filing liability good enough?

No, people who paid electronically are going to have to input deposit account information. Go to Get My Payment.

When will payments begin?

Taxpayers with direct deposit information on file with the IRS should see their payment in their bank accounts beginning the week of March 15, 2021, while others might have to wait up to five months to receive paper checks or pre-payed debit cards. 

What about taxpayers who don’t have bank accounts?

The U.S. Treasury Department and the IRS are working with digital companies and prepaid debit card providers to ensure there are other avenues for those taxpayers get their money quickly. 

I receive SS/VA benefits and/or I am not typically required to file a tax return. Can I still receive my payment?

Yes. Individuals who receive Social Security benefits (Social Security retirement, disability income (SSDI), supplemental income (SSI) or Survivors Benefits) or Veterans Affairs benefits (disability compensation, pension or survivors benefits) who didn’t file tax returns in 2020 or 2019 won’t need to file tax returns to receive their payments. 

They should receive the additional money just as they would their Social Security or VA benefits. The IRS will use the information provided by the Social Security Administration/VA OR the information you provided with the IRS’ Non-Filers: Enter Your Payment Info to generate the $1,400 Economic Impact Payments. Recipients will get their payment as a direct deposit or by paper check, just as they normally would.

I am not typically required to file a tax return because I am low-income. Can I still receive my payment?

Yes. The IRS will use information you provided in the IRS’ Non-Filers: Enter Your Payment Info to send you your stimulus payment.

I have not filed my tax return for 2019 or 2020. Can I still receive a payment?

Yes. The IRS urges anyone with a tax filing obligation who has not yet filed a tax return for 2019 or 2020 to file as soon as they can to receive a payment. Taxpayers should include direct deposit banking information on the return. Visit IRS Free File

If I receive SSI or a VA pension will my payment be considered income?

Please note that the Social Security Administration and Department of Veterans Affairs will not consider the payments as income, and the payments are excluded from resources for 12 months.

What about taxpayers with Individual Tax Identification Numbers (ITINs)?

Immigrants with ITINs are not eligible for the $1,200 payments. 

What about mixed-status families (SSN valid for employment and ITIN on the same tax return)?

You are eligible for a second stimulus payment for yourself and any dependents you claimed who also have Social Security numbers valid for employment, but not for your spouse. (Mixed-status families who did not receive the first stimulus payment due to the previous restrictions on spouses of people filing with ITINs will now be eligible to get that payment retroactively when they file their 2020 tax return. Read more here.)

I need to file a tax return. How long are payments available?

For those concerned about visiting a tax professional or local community organization in person to get help with a tax return, these economic impact payments will be available throughout the rest of 2021.

Does someone who has died qualify for the payment?

No. A payment made to someone who died before receipt of the payment should be returned to the IRS by following the instructions for repayments. Return the entire payment unless the payment was made to joint filers and one spouse had not died before receipt of the payment, in which case, you only need to return the portion of the payment made on account of the decedent. This amount will be $1,400 unless adjusted gross income exceeded $150,000.

Does someone who is incarcerated qualify for the payment?

Yes. They can claim the payment by filing a simple 2020 tax return. Read more here.

What should I do to return a payment?

You should return the payment as described below.

If the payment was a paper check:

  • Write “Void” in the endorsement section on the back of the check.
  • Mail the voided Treasury check immediately to the appropriate IRS location listed below.
  • Don’t staple, bend, or paper clip the check.
  • Include a note stating the reason for returning the check.

If the payment was a paper check and you have cashed it, or if the payment was a direct deposit:

  • Submit a personal check, money order, etc., immediately to the appropriate IRS location listed below.
  • Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number,  or individual taxpayer identification number) of the recipient of the check.
  • Include a brief explanation of the reason for returning the payment

What if my spouse or ex-spouse took my payment in 2020?

If so, you may be able to claim your economic impact payment (EIP) as a credit or refund on your 2020 federal tax return.

In many abusive relationships the abuser controls the household’s money and finances. Although the survivor may have agreed to the filing of the tax return that the COVID relief payment was based upon, the abuser may have later refused to pay over the survivor’s share of the payment or the survivor cannot get the payment from the abuser without risking harm or abuse. In other situations, survivors may not have seen or signed the tax return that the COVID relief payment was based upon, or they were forced to sign the return under threats or duress.

IRS procedures outline a path for relief for survivors who believe their COVID relief payments were issued based on a tax return that was fraudulent, forged, or signed by the survivor under duress.

Unfortunately, the IRS has not created procedures for allowing a survivor to receive the Recovery Rebate Credit when both spouses agreed to file a married-filing-joint return, but the abusive spouse refused to pay over the survivor’s share of the COVID relief payment. Advocates for survivors of domestic violence have been working on this issue and continue to do so in an effort to find relief for survivors in this situation.

Follow these steps to receive your payment and get help

Where can I get more information?

The IRS will post all key information on IRS.gov/coronavirus as soon as it becomes available.

The IRS has a reduced staff in many of its offices but remains committed to helping eligible individuals receive their payments expeditiously. Check for updated information on IRS.gov/coronavirus rather than calling IRS assisters who are helping process 2020 returns.

Charlotte Center for Legal Advocacy launches new projects to support COVID-19 relief

The need is everywhere. That’s why we’re here.

Now more than ever, our community needs a champion to ensure equal access to justice for ALL during these challenging times. Charlotte Center for Legal Advocacy is here to help anyone facing issues of safety, financial security and family stability during the COVID-19 pandemic and beyond.

The Advocacy Center is still providing services in the areas of consumer protection, domestic violence, ex-offender re-entry, healthcare access, home preservation, immigration, income security and tax disputes, while working to ensure vulnerable populations, such as children, immigrants, people living with disabilities, seniors and veterans have the assistance they need during this critical time.

As needs continue to evolve, the Advocacy Center has been adapting its services to effectively serve the community, launching three new COVID-19 specific initiatives to help those in need:

Unemployment Insurance Assistance

Thousands of North Carolinians have lost their jobs due to COVID-19 and are seeking financial assistance through the state’s Unemployment Insurance Program.

The overwhelming volume of applications paired with implementing new assistance programs under the federal CARES Act has caused significant delays, making the process more confusing for applicants trying to apply.

The Unemployment Insurance Project helps people who have lost work due to COVID-19 understand their eligibility and navigate the application process to receive unemployment benefits.

While Advocacy Center staff cannot help applicants fill out the necessary paperwork, they can answer questions about the process.

How to apply for unemployment benefits:

Anyone needing assistance can call the Unemployment Insurance COVID-19 Response Project hotline, 980-256-3979 and leave a message to receive assistance in English or Spanish.

Learn more about the project.

Help Understanding the Economic Impact Payments (Stimulus Checks) from the CARES Act

Many people anticipate receiving the CARES Act’s Economic Impact Payments (Stimulus Checks) as additional financial support. Charlotte Center for Legal Advocacy wants to make sure they have the necessary information to know what to expect and how to get a payment.

Anyone with questions about how to get their payment or any other tax issues can contact our N.C. Low-Income Taxpayer Clinic by calling 980-202-7329 or filling out an online assistance request.

Check out our list of FAQs regarding the payments.

Watch our latest Facebook Live discussion on what people can expect as the government issues payments.

CARES Act Paycheck Protection Program Support for Local Non-Profits

Charlotte Center for Legal Advocacy recognizes the important role that our community nonprofits are playing in Coronavirus response while at the same time being heavily impacted by the pandemic. That’s why the Advocacy Center, along with its pro bono partners, is providing free assistance to help Charlotte-area 501(c)(3) organizations understand the process and apply to get federal aid.

The Paycheck Protection Program of the CARES Act made $350 billion available in small business loans. While most of this money has already been distributed, Congress will likely pass additional funding for small business loans as soon as this week.

Many 501(c)(3) organizations are eligible for these loans, and a significant portion of the loans to nonprofits can be forgiven if certain criteria are met. If you think your nonprofit organization may qualify for a loan and want help understanding the rules governing eligibility, repayment and forgiveness for the loan, we may be able to provide free legal advice for you.

Call Charlotte Center for Legal Advocacy at 980-256-3791 for assistance.

Información sobre Pagos de Impacto Económico de la Ley CARES

Read in English
Muchas personas anticipan recibir los Pagos de Impacto Económico de la Ley CARES (por sus siglas en ingles). El Centro de Apoyo Legal de Charlotte quiere asegurarse de que las personas tenga la información que necesita para saber qué esperar y cómo obtener su pago.

Cualquier persona con preguntas adicionales sobre cómo obtener su pago puede comunicarse con nuestra Clínica de Impuestos para contribuyentes de bajos ingresos de Carolina del Norte llamando al 980-202-7329 o completando una solicitud de asistencia en línea.

Cualquier persona que necesite otra ayuda del El Centro de Apoyo Legal de Charlotte puede contactarnos llamando al 704-376-1600 (Condado de Mecklenburg), 800-438-1254 (Fuera del Condado de Mecklenburg) o al 800-247-1931 (Línea de Español).

¿Quién es elegible para el pago?

Los contribuyentes con ingresos brutos ajustados de hasta $ 75,000 para individuos y hasta $ 150,000 para parejas casadas que presenten declaraciones conjuntas recibirán el pago completo.

Para los declarantes con ingresos superiores a esos montos, el monto del pago se reduce en $ 5 por cada $ 100 por encima de los umbrales de $ 75,000 / $ 150,000. Los declarantes solteros con ingresos superiores a $ 99,000 y $ 198,000 para declarantes conjuntos sin hijos no son elegibles.

Los contribuyentes elegibles que presentaron declaraciones de impuestos para 2019 o 2018 recibirán automáticamente un pago de impacto económico de hasta $ 1,200 para individuos o $ 2,400 para parejas casadas. Los padres también reciben $ 500 por cada niño calificado.

¿El IRS tomará mi pago si tengo deudas pendientes del IRS, préstamos estudiantiles federales u otras deudas del gobierno?

No, pero el IRS tomará su pago en la medida necesaria para pagar las obligaciones de manutención infantil pendientes.

¿Cómo calculará el IRS mi pago?

Para las personas que ya presentaron sus declaraciones de impuestos de 2019, el IRS utilizará esta información para calcular el monto del pago. Para aquellos que aún no han presentado su declaración de impuestos para 2019, el IRS utilizará la información de su declaración de impuestos de 2018 para calcular el pago.

La mayoría de las personas no necesitan tomar ninguna medida. El IRS calculará y enviará automáticamente el pago a los elegibles.

¿Cómo sabrá el IRS dónde enviar mi pago?

El pago de impacto económico se depositará directamente en la misma cuenta bancaria reflejada en su declaración de impuestos presentada.

El IRS no tiene mi información de depósito directo. ¿Que puedo hacer?

En las próximas semanas, el Departamento del Tesoro de los EE. UU. Planea desarrollar un portal en línea para que las personas proporcionen su información bancaria al IRS en línea para que las personas puedan recibir pagos de inmediato en lugar de cheques por correo.

Esos contribuyentes podrían obtener sus pagos más rápidamente al proporcionar su información de depósito directo al IRS en una nueva aplicación que está en proceso. Esta aplicación será como la popular aplicación de la temporada de presentación “¿Dónde está mi reembolso?” Le permitirá a los contribuyentes ver dónde están sus fondos bajo esta nueva ley. El nuevo portal estará disponible pronto.

¿Cuándo comenzarán los pagos?

Los contribuyentes con información de depósito directo en el archivo del IRS deben ver su pago en sus cuentas bancarias a partir de la semana del 13 de abril, mientras que otros tendrán que esperar hasta cinco meses para recibir cheques en papel.

Los primeros cheques deben ir a los 60 millones de contribuyentes con información de depósito directo de sus declaraciones de impuestos de 2018 o 2019 en el archivo del IRS. Después de eso, a partir de la primera semana de mayo, el IRS emitirá aproximadamente 5 millones de cheques en papel por semana a hasta 100 millones de personas que no tienen información de depósito directo en el archivo, en un proceso que podría tomar hasta 20 semanas para completar.

¿Qué pasa con los contribuyentes que no tienen cuentas bancarias?

El Departamento del Tesoro de los EE. UU. Y el IRS están trabajando con compañías digitales y proveedores de tarjetas de débito prepagas para garantizar que haya otras vías para que los contribuyentes obtengan su dinero rápidamente.

Normalmente no estoy obligado a presentar una declaración de impuestos. ¿Todavía puedo recibir mi pago?

Si. Las personas que reciben beneficios de jubilación, discapacidad o sobrevivientes del Seguro Social que no presentan declaraciones de impuestos no necesitarán presentar declaraciones para recibir sus cheques.

Deberían recibir el dinero adicional tal como lo harían con sus beneficios del Seguro Social. El IRS utilizará la información en el Formulario SSA-1099 y el Formulario RRB-1099 para generar $ 1,200 Pagos de Impacto Económico a los destinatarios del Seguro Social que no presentaron declaraciones de impuestos en 2018 o 2019. Los destinatarios recibirán estos pagos como depósito directo o en papel verificar, tal como normalmente recibirían sus beneficios.

SIN EMBARGO: Algunos contribuyentes de bajos ingresos, personas mayores y personas con discapacidades que reciben Ingresos de Seguridad Suplementarios (SSI) y veteranos que reciben compensación y / o pensiones por discapacidad del VA que de otra manera no están obligados a presentar una declaración de impuestos deberán presentar una declaración simple para obteer su pago. IRS.gov/coronavirus pronto proporcionará información para instruir a las personas de estos grupos sobre cómo presentar una declaración de impuestos de 2019 con información simple, pero necesaria, que incluye su estado civil, el número de dependientes y la información de la cuenta bancaria de depósito directo.

El 4 de abril, TurboTax presentó un portal en línea donde los estadounidenses de bajos ingresos que no presentan una declaración de impuestos pueden enviar su información al IRS para recibir su pago de estímulo lo antes posible. Los no declarantes pueden proporcionar sus datos de depósito directo o dirección de correo y elegir cómo desean recibir su cheque de estímulo.

No he presentado mi declaración de impuestos para 2018 o 2019. ¿Todavía puedo recibir un pago?

Si. El IRS insta a cualquier persona con una obligación de presentar una declaración de impuestos que aún no haya presentado una declaración de impuestos para 2018 o 2019 a presentarla tan pronto como les sea posible para recibir un pago. Los contribuyentes deben incluir información bancaria de depósito directo en la declaración.

Si recibo SSI, ¿mi pago se considerará ingreso?

Tenga en cuenta que la Administración del Seguro Social no considerará los pagos como ingresos para los beneficiarios de SSI, y los pagos están excluidos de los recursos durante 12 meses.

¿Qué pasa con los contribuyentes con números de identificación fiscal individual (ITIN)?

Los inmigrantes con ITIN no son elegibles para los pagos de $ 1,200.

¿Qué pasa con las familias de estatus mixto (SSN válido para empleo e ITIN en la misma declaración de impuestos)?

Si un esposo, esposa o cualquier dependiente reclamado tiene un ITIN en lugar de un Número de Seguro Social, ningún miembro de la familia recibirá el pago (Excepción para aquellos que prestan servicios en los Servicios Armados).

Por supuesto, la pareja podría dejar a sus dependientes con ITIN fuera de su declaración de impuestos. Y presentar una declaración por separado puede ser una opción, sin embargo, la pareja puede perder otros créditos reembolsables, como el Crédito Tributario Adicional por Hijo y los créditos educativos, si lo hacen.

Necesito presentar una declaración de impuestos. ¿Durante cuánto tiempo están disponibles los pagos?

Para aquellos preocupados por visitar en persona a un profesional de impuestos u organización comunitaria local para obtener ayuda con una declaración de impuestos, estos pagos de impacto económico estarán disponibles durante el resto de 2020.

¿Dónde puedo obtener más información?

El IRS publicará toda la información clave en IRS.gov/coronavirus tan pronto como esté disponible.

El IRS tiene un personal reducido en muchas de sus oficinas, pero sigue comprometido a ayudar a las personas elegibles a recibir sus pagos rápidamente. Busque información actualizada en IRS.gov/coronavirus en lugar de llamar a los asistentes del IRS que están ayudando a procesar las devoluciones de 2019.

COVID-19 Stimulus Payments: Protect Yourself from Scams

From Arthur Bartlett, director of the N.C. Low-Income Taxpayer Clinic:

WARNING: The Internal Revenue Service (IRS) is warning the public not to fall victim to a COVID-19 scam in which scammers are trying to intercept COVID-19 stimulus payments meant to provide financial support for Americans during the pandemic.

For most people, payments will be made as a direct deposit into their bank accounts, but some will receive a paper check.

Criminals and scammers may try and take advantage of you by having you:

  • Sign over part of or your entire Stimulus Check over to them.
  • “Verify” your filing information in order to receive your stimulus payment.
  • They may also try to obtain and use your personal information, including your Social Security Number, to file a false tax return to claim your stimulus payment.

Please know, the IRS will not call, text, or email you to “verify” your payment details. Do not give out your personal information, like a bank account, debit account or PayPal account information to anyone claiming to be from the IRS.

If you do receive a call, do not engage with the scammers or thieves, just hang up.

If you receive texts or emails claiming that you can get your money faster by sending personal information or clicking on links, delete them.

There are companies that are targeting unhoused individuals specifically. We have heard that houseless people have been approached by companies that say they will help someone register for their economic impact payment but take $399 or other amount from the payment. They have the person sign a contract (which you can read on this example company’s website – https://www.docuprepllc.com/) and tell them to come back on a certain date to get the remainder of their payment. You do not have to pay for their EIP and do not need to pay for help accessing it. The only site you should use to claim your stimulus payment is IRS.gov

In addition, if you receive a “check” for an odd amount or a check that requires you to verify the check online or by calling a number, it’s a fraud.

Retirees have been highlighted as a group particularly vulnerable to scams. From the IRS:

“The IRS also reminds retirees who don’t normally have a requirement to file a tax return that no action on their part is needed to receive their $1,200 economic impact payment. Seniors should be especially careful during this period. The IRS reminds retirees – including recipients of Forms SSA-1099 and RRB-1099 − that no one from the agency will be reaching out to them by phone, email, mail or in person asking for any kind of information to complete their economic impact payment, also sometimes referred to as rebates or stimulus payments. The IRS is sending these $1,200 payments automatically to retirees – no additional action or information is needed on their part to receive this.”

Read more about the warning issued by the IRS

Additionally, economic impact payments belong to the recipient, not nursing home or care facilities: “The payments are intended for the recipients, even if a nursing home or other facility or provider receives the person’s payment, either directly or indirectly by direct deposit or check. these payments do not count as a resource for purposes of determining eligibility for Medicaid and other federal programs for a period of 12 months from receipt. They also do not count as income in determining eligibility for these programs.”

We’re here to help: If you have any questions, please reach out to Charlotte Center for Legal Advocacy’s N.C. Low-Income Taxpayer Clinic by calling 704-376-1600 (Mecklenburg County), 800-438-1254 (Outside Mecklenburg County), 800-247-1931 (Linea de Español), or by submitting a contact form.