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Here’s who can and can’t take your stimulus check from you



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Who can decorate your stimulus check? We will tell you.

Sarah Tew / CNET

If you qualify for a incentive payment, you can spend it or keep it, but the CARES Act that authorized it resolves some situations where a direct incentive payment can even be garnished – more on that below.

Keep in mind that if you use qualified in front of the first incentive payment and still have none direct deposit, to check or prepaid EIP debit card from the IRS, you may or may not have accidentally been overlooked have a problem that you need to solve. Certain groups eligible for that first payment, such as some older adults, retirees, SSDI receivers, non-residents and those who are locked up, must go the extra mile file a payment claim.

Read on to learn more about how stimulus controls can be engaged. We recently updated this story.


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Landlords, nursing homes cannot confiscate your check

The March CARES Act prevents a landlord or health care facility from asking you for benefits to hand over your check. If someone pressures you or threatens to expel you, make sure you know your rights regarding incentive checks and the eviction moratorium that applies to all properties until the end of 2020.

The IRS does not claim it for back taxes

Stimulus controls are protected from stress. YOU will not be taxed on your incentive money, and the IRS won’t get it from you to pay the taxes you owe. If you want to use the money that way, of course it’s up to you.

If you owe a car payment, your incentive money will not be withdrawn

Likewise, people who are concerned about taking a car back if they cannot make a payment are in most cases not required to give up incentive money unless an exception is made below. This is what we know missed car payments during the coronavirus pandemic.

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Is the incentive money really yours? It depends on.

Sarah Tew / CNET

These people can accept your incentive money

Private banks and creditors may be able to seize a payment to cover an outstanding debt. Some states, such as California, have issued orders prohibiting banks and creditors from decorating your stimulus check. If you have any concerns about this or want to challenge an action, first check to see if your state has any protection that would make a seizure of your check illegal.

although negotiations on another rescue package are currently standing still, the most recent proposals on the table (including a second stimulus check) would in most cases prohibit creditors and banks from seizing the payment to settle a debt.

read more: People in prison can now qualify for incentive checks. This is what is happening

Child benefit arrears is another exception

The CARES law blocked state and federal agencies from conducting an incentive check to cover government debts, such as income tax debt, but it doesn’t rule out a payment being seized to cover child support arrears.

If parents are divorced or divorced, only the spouse who owes child support will be seized on the benefit. According to the IRS, if a spouse doesn’t owe child support, they will receive their share of the payment and don’t need to take any action to receive it.

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If you owe child support, all or part of your stimulus check can be used to cover the costs.

Sarah Tew / CNET

In some cases, a mistake has caused the government to dispose of all or part of the incentive check intended for the current spouse of the parent paying the child support (who is not the other parent of the child). Here is how to claim that money on November 21.

read more: You don’t have to be a U.S. citizen living in America to get an incentive check

Can the IRS get you back your incentive money?

The IRS said a payment you receive this year will not decrease your 2021 tax refund, nor will it increase the amount you owe when you file your 2020 tax return. You also do not have to repay an incentive fee if you qualify for a lower amount in 2021. (Here’s how your income tax affects your payment.)

For more information, here’s what we know about it state of negotiations about a second rescue mission and what a stimulus package from President-elect Joe Biden would look like.


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