Avoiding problems when paying taxes

The time and energy spent filling out paperwork can make tax time stressful. Depending on how you file, tax time can also be expensive. If you have questions about filing your taxes, consider our time and money-saving tips. 

Q: How do I file my taxes?

The easiest and fastest way to file your taxes is through the IRS website. The site links to many companies that will efile your federal tax return for free. Some of these services require payment for filing state taxes. 

You can also file by mail. Download the forms from the IRS website or get them from your local library branch. You'll need the Form 1040, 1040EZ, or 1040A depending on the complexity of your return.

Q. Can I get free help to file my taxes?

Yes! If you made $57,000 or less, you may use one of the free efile services available through the IRS website. Many states support free efiling through the state's department of revenue website.

The IRS also sponsors free tax preparation services through the Volunteer Income Tax Assistance (VITA) program. Call 1-800-906-9887 to find a VITA site near you, and make sure your tax preparer is accredited by the IRS or your state department of revenue.

The IRS has free tools and a Frequently Asked Questions guide online. You can also call the IRS at 1-800-829-1040 for individual returns, and 1-800-829-4933 for business returns.

Q. If I make more than $57,000, can I file for free?

Yes. Search online for "free tax preparation" to find Internet-based and volunteer services.

Q. If I pay someone to do my taxes, what should I watch out for?

You could be dealing with an unscrupulous return preparer if they:

  • Do not sign or do not include their Preparer Tax Identification Number on your return.
  • Do not give you a copy of your tax return.
  • Promise a larger than normal tax refund.
  • Charge a percentage of the refund amount as a preparation fee (there should be a flat fee).
  • Add forms to the return you have never filed before.
  • Encourage you to place false information on your return, such as false income, expenses and/or credits.

Q. What are the “instant” tax rebates I see offered?

In reality, there is no way to immediately receive your refund from the IRS. "Instant" refunds offered by some tax services are often Refund Anticipation Loans (RALs). Although they may seem appealing, RALs have large fees and interest rates of up to 37%. Advertisements for RALs must accurately list all associated costs and services charges, as well as the charges for tax preparation and electronic filing.

Q. What is the fastest way to get my tax refund?

Select direct deposit when you efile online. You can track the status of your tax return on the IRS website

Q. I received an email from the IRS, asking for personal information. Is it real?

No; the IRS does not initiate email correspondence with taxpayers. Identity thieves often send official-looking, fake emails informing recipients that they must click on a link that takes them to a website asking for their personal information. All such requests are phishing scams. Report suspected phishing to the IRS

Q. How can I avoid an identity theft tax scam?

There are several warning signs:

  1. Beware email attachments, because legitimate tax companies will rarely ask you to open one.
  2. Emails that mention a tax refund or threaten an audit are often fraudulent attempts to obtain your personal information.
  3. Misspellings, incorrect use of official names, poor grammar, and odd phrasing are indications that a communication is fraudulent.
  4. Taxpayers should ignore unsolicited communications asking for personal and/or financial information, e.g. your name, Social Security Number, bank account number, or credit card number.

Q. How do I know if I am a victim of identity theft?

If multiple tax returns have been filed in your name or the IRS believes you were paid by an employer whom you aren’t familiar with, someone may have used your personal information to submit false tax returns. 

Q. What should I do if I think my identity has been stolen?

Immediately contact the IRS Identity Protection Specialized Unit. For more information, visit www.IRS.gov/identitytheft or call 1-800-908-4490.

Issue updates

Agency votes to begin rulemaking process to protect American children, firefighters from hazardous flame retardant chemicals

Today, the U.S. Consumer Product Safety Commission (CPSC) took three critical steps toward protecting consumers and firefighters from the hazards posed by a class of flame retardant chemicals (known as “organohalogens”). The CPSC directed the Commission’s staff to begin the rulemaking process to ban the sale of four categories of consumer products if they contain these chemicals. Once again, the CPSC has made an important action for consumers.

> Keep Reading

Statement on Unilever Starting to Disclose Fragrances via SmartLabel

Statement from Arizona PIRG Education Fund Toxics Advocate Dev Gowda on Unilever Starting to Disclose Fragrances via SmartLabel

> Keep Reading
Blog Post | Consumer Protection

Consumer Tips and FAQ about the Equifax Breach | Mike Litt

Hackers gained access to the personal data of as many as 143 million Americans in the Equifax breach. Here are some recommended actions consumers can take to protect themselves and answers to frequently asked questions.

> Keep Reading

Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

> Keep Reading

Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

Arizona PIRG Education Fund applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

> Keep Reading

Pages

Agency votes to begin rulemaking process to protect American children, firefighters from hazardous flame retardant chemicals

Today, the U.S. Consumer Product Safety Commission (CPSC) took three critical steps toward protecting consumers and firefighters from the hazards posed by a class of flame retardant chemicals (known as “organohalogens”). The CPSC directed the Commission’s staff to begin the rulemaking process to ban the sale of four categories of consumer products if they contain these chemicals. Once again, the CPSC has made an important action for consumers.

> Keep Reading

Statement on Unilever Starting to Disclose Fragrances via SmartLabel

Statement from Arizona PIRG Education Fund Toxics Advocate Dev Gowda on Unilever Starting to Disclose Fragrances via SmartLabel

> Keep Reading

Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

> Keep Reading

Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

Arizona PIRG Education Fund applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

> Keep Reading
News Release | Arizona PIRG Education Fund | Consumer Protection

Tucson electricity ratepayers raise alarm about service rollbacks

Tucson Electric Power (TEP) ratepayers are raising the alarm about plans to suspend energy efficiency programs that save ratepayers money. Over three dozen community groups, businesses, trade associations and more than 300 residents signed onto letters to the chair of the Arizona Corporation Commission, which regulates TEP. In the letters, ratepayers urged regulators to help moderate electricity costs by ramping up energy efficiency investments.

> Keep Reading

Pages

Report | Arizona PIRG Education Fund | Consumer Protection

Guidance for Utilities Commissions on Time of Use Rates

As rapidly evolving renewable and energy efficiency technologies and economics drive ongoing transformation of America’s power sector, advocates from consumer, clean energy and environmental organizations are working together to provide guidance for utilities commissions and other stakeholders grappling with issues of electricity rate design.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Protecting those who Serve

The CFPB provides an invaluable service to America’s men and women in uniform. Attempts to weaken or eliminate the CFPB could put those who protect our country in harm’s way, both while serving abroad and here at home, and even threaten national security. The Pentagon has found that financial abuses and credit reporting mistakes can cause service members to lose security clearances, resulting in lower unit preparedness.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Medical Debt Malpractice

Medical debt accounts for more than half of all collection items that appear on consumer credit reports. A review of 17,701 medical debt collection complaints submitted to the Consumer Financial Protection Bureau (CFPB) shows that problems with medical debt collection are widespread and harm Americans across the country.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland

For 30 years, the State PIRG’s have conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children. Among the toys surveyed this year, we found potential choking and noise hazards, one toy that exceeded federal toxic standards, and three toys that preliminary testing showed may exceed federal standards.

> Keep Reading

Pages

Blog Post | Consumer Protection

Consumer Tips and FAQ about the Equifax Breach | Mike Litt

Hackers gained access to the personal data of as many as 143 million Americans in the Equifax breach. Here are some recommended actions consumers can take to protect themselves and answers to frequently asked questions.

> Keep Reading
Blog Post | Consumer Protection

APS Rate Case: Not over until ACC Votes | Diane E. Brown

The Commissioners, not APS, will ultimately determine whether the monthly basic service charge and the rates of APS customers’ increase; if new customers, not APS, get to choose their initial rate plan; and if residential and small business ratepayers will have more or less ability to control their energy use and therefore save money.

> Keep Reading
Blog Post | Public Health, Consumer Protection

#KickTheCan: BPA still found in many grocery stores’ canned foods | Dev Gowda

We’re all told to watch out for BPA in drinking bottles and baby products. But how about BPA in the cans that contain our food? A recent study by Center for Environmental Health (CEH) reveals that the toxic chemical BPA is readily found in canned foods. BPAs are often used in the liners of canned food to keep the aluminum from interacting with the food.

> Keep Reading
Blog Post | Consumer Protection

Commissioners: Say No to Proposed APS Bill Increases | Diane E. Brown

As the Arizona Corporation Commission hosts public comment sessions across the state and prepares to vote on the APS rate case, we encourage APS ratepayers to urge the Commission to reject the unjustified rate increase and say no to unfair utility charges.

> Keep Reading
Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

> Keep Reading

Pages

View AllRSS Feed

Support Us

Your tax-deductible donation supports Arizona PIRG Education Fund's work to educate consumers on the issues that matter, and to stand up to the powerful interests that are blocking progress.

Learn More

You can also support Arizona PIRG Education Fund’s work through bequests, contributions from life insurance or retirement plans, securities contributions and vehicle donations.