Amaris Solutions

Not everyone will succeed in my credit repair program, and that is the honest truth.

The clients who usually struggle the most are the ones who do not keep credit monitoring active, pay invoices late, ignore emails, or make us send the same follow up several times before they respond. Without active monitoring, consistent payments, and communication, I cannot continue the work properly.

Then months go by, the account gets paused several times, work gets delayed several times, and those same folks eventually cancel saying they were in the program for months with no progress. What they leave out is that the program was never able to move the way it should have because they were not doing their part.

Please only sign up for credit repair if you are serious. This is a team effort. I can do my part, but I cannot do yours too.

🗣🗣🗣Credit Repair will ❌NOT❌ outwork high utilization, late payments, or just bad financial habits in general and a great score will ❌NOT❌ outwork too much debt🤷🏾‍♀️

💌If you decide to have your credit repaired, please understand that there are things that only you can control such as high utilization on your credit cards which makes up 30% of your score and no matter how many negative items are removed if you are constantly maxing out your cards, your score will suffer and if you make payments late your score will also suffer.

🚨🚨🚨Make sure that if you do decide to have credit repair done that you go to someone who educates you on how credit works and that you change your habits so you don’t end up doing the same things over, but you cannot expect that if you are currently late on accounts that a bank is going to lend you money for ANYTHING. You are already demonstrating that you aren’t making payments on time, so make sure all your accounts are caught up and your utilization is low on all cards.

🚨 The April tax deadline is almost here!

If you haven’t filed yet, don’t panic—you still have options.

✔️ We can file an extension, which gives you until October to submit your tax return.

But let me be clear:
An extension gives you more time to FILE, not more time to PAY. If you owe, the IRS still expects an estimated payment by the April deadline to avoid penalties.

If you’re unsure what you owe or need help estimating, that’s exactly what I’m here for.

Also, I truly appreciate everyone’s patience with me during this time as my family and I navigate the passing of a loved one. Your support means everything, and I’m still working hard to make sure my clients are taken care of. 🤍

Spots are limited—message me ASAP so we can get you filed or extended the right way. 💼✨

If you’ve been putting off your taxes, have prior years to file, or know you owe the IRS or the state, this is your sign to stop waiting.

Penalties and interest do not wait.
Neither do notices, liens, and levies.

Chi Tax Pros helps people get filed, get clear, and get tax problems handled properly.

We help with:
• tax prep
• prior-year returns
• IRS and state tax debt
• notices, liens, and levies
• self-employed and business tax situations

If your situation is more than basic, it needs to be handled like it.

DM NOW if you’re ready to get started.

Let’s talk about that hold everybody asks about every year.

If you get Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) and you’re wondering why the IRS “holds” refunds until after February 15 — here’s the real reason, in regular language.

Years ago, a lot of fraud was happening around these credits. People were claiming kids that didn’t live with them, inflating income, or just making up information to get bigger refunds. So the IRS stepped in and said, “Hold on — we’re slowing this down.”

Now, every return with EITC or ACTC goes through extra checks before money is released. Not because you did something wrong — but because the credit itself has been abused in the past.

Think of it like this:
If a store had a lot of theft in one area, they’d put more security there. Same idea.

So when people say, “My neighbor already got their refund and I haven’t,” the difference is usually those credits. Returns without them can move faster. Returns with them legally can’t be released before mid-February.

And just to be clear — this hold is IRS policy, not your tax preparer holding your money, not the bank, not the tax office.

It’s frustrating, I know. But understanding why helps keep expectations realistic and stress lower during tax season.

🚨 PATH Act Refund Update – 2026 🚨

IRS is officially OPEN 🗓️
If you’re claiming EIC or Child Tax Credit, here’s the REAL timeline ⏰

✨ IRS started accepting returns January 26
✨ Refunds with EIC/ACTC cannot be released before Feb 15
✨ First PATH refunds are expected around Feb 25 for early filers 💸

📑 Got your documents ready?
Comment PATH and I’ll drop the link 👇🏽

Accuracy over hype. Always. 💅🏽

2026 Tax Season officially opens January 26:

- the Internal Revenue Service will begin accepting and processing 2025 tax year returns -
Per the IRS news release :
"This year, several new tax law provisions of the One, Big, Beautiful Bill become effective, which could impact federal taxes, credits and deductions.

Taxpayers have until Wednesday, April 15, 2026, to file their 2025 tax returns and pay any tax due. The IRS expects to receive about 164 million individual income tax returns this year, with most taxpayers filing electronically."

💸 BECOME A REFERRAL AGENT – NO TAX EXPERIENCE NEEDED! 💼

Want to earn extra income just by sending people our way?

Join our Referral Agent Program!

💰 Earn $50-$100+ per client you refer

📲 No training required — just share your custom link or send us leads

🗂️ Get paid weekly via CashApp, Zelle, or direct deposit

Perfect side hustle for:

✨ Stay-at-home parents

✨ College students

✨ Hustlers with a big network

✨ Anyone who wants passive income

No stress. No tests. Just cash in your hand.

📩 DM “REFERRAL” to get started now!

I know those transcripts are hard to red so here are some codes and what they mean

💸 826 — PART OF YOUR REFUND GOT SNATCHED FOR A DEBT
The IRS used your overpayment to pay a balance you owe, like child support, state tax, or other government debt.

💰 846 — THE MONEY CODE (REFUND ISSUED)
This is the green light. Refund approved and released — the date next to it is when they sent the money out.

⏸️ 570 — REFUND ON HOLD FOR REVIEW
The system threw a pause on your refund while the IRS double‑checks something on your account. No release until this clears.

🧊 810 — REFUND FROZEN
Hard freeze on the refund, often tied to identity or exam issues. Nothing moves until that freeze gets lifted.

🔥 811 — FREEZE LIFTED
That 810 freeze got reversed. Your return can move forward again and you’ll usually be looking for 846 next.

📝 971 — NOTICE / ACCOUNT ACTIVITY LOGGED
The IRS recorded that they sent a letter or took some kind of action on your account or return (could be an ID letter, info request, etc.).

📬 977 — AMENDED RETURN POSTED
Your 1040X officially hit the system. The IRS has your amended return and it’s now part of your account history.

😰 424 — RETURN SENT TO EXAM / AUDIT REVIEW
Your return got pulled for a closer look. It doesn’t always mean a full-blown audit, but they’re definitely reviewing.

😮‍💨 425 — EXAM / REVIEW ACTIVITY MOVED
This code shows movement in that exam/review process, often after they’ve taken some action. Context on the transcript really matters with this one.

📚 768 — EARNED INCOME CREDIT
This line shows Earned Income Credit posted to your account and how much you actually qualified for. Parents, this is where your EIC lives.

🏆 177 — ESTIMATED TAX PENALTY CUT DOWN
The estimated tax penalty got reduced or removed. Any time a penalty goes down, that’s a W.

⚠️ 091 — BUSINESS CLASSIFICATION CHANGE
The IRS changed how your account or business is classified in their system. If you see this and you’re running a hustle or business, it’s time to get help ASAP.

Looking for 15 remote Tax Preparers!

You’ll get training, support, software, and everything you need to start earning.

Experience is NOT required just the willingness to learn!

Furlough RESOURCES:

Bank of America: announced assistance available to furloughed Federal employees. Call the priority assistance line 844.219.0690.

Chase Bank: Chase today announced efforts to help its customers who are U.S. government employees affected by the U.S. government shutdown. Here’s the special line they set up 1-888-356-0023.

Congressional Federal Credit Union: For more information on our Relief Line of Credit or any of our assistance programs, contact our Member Service Representatives at 800-491-2328 or stop by one of our branch locations.

Fed Choice: They’re offering quite a few different options to assist – for existing and new members.

Interior Federal Credit Union: They’re offering a special loan for both member and non-member furloughed Federal workers. Net paycheck up to $15,000, interest free up to 30 days. Members may apply for a limit up to the equivalent of 2 net paychecks. More offers are available on the site or call 800-914-8619

Navy Federal Credit Union: These guys are offering a special loan program. Read the FAQs PDF from this link to see if you qualify or call 1-888-842-6328

PayPal: PayPal has made a very generous offer. They’ve allocated $25 million to fund interest-free cash advances to our furloughed Federal workers that need assistance right now. This is for both new and existing PayPal Credit customers. Minimum loan is $250 with a maximum cash advance of $500. Your account does need to be in good standing if you’re an existing PayPal Credit customer. Existing customers call 1-877-689-1975. For new accounts, apply here first, then after approval call 1-877-689-1975.

U.S. Bank: Will waive all late fees if you miss a mortgage payment due to the shutdown. Also mentioned they will defer first payment dates for new mortgages.

U.S. Employees Credit Union: USECU is also offering shutdown loans, but only until Tuesday, January 15th. Call (312) 922.5310 to get help.

SunTrust: SunTrust didn’t make a specific offer, but they did make a public announcement that they have programs in place to help clients affected by the shutdown.

Synchrony Bank: These guys handle store cards for Amazon, Lowes, Walmart, JCPenney, Chevron/Texaco, and many other large nationwide companies that you might do business with on a day-to-day basis. They are allowing affected customers to defer payments until after the shutdown. Contact them for more information.

Union Plus: For union members, there are a great number of options available if you’re with Union Plus. Call them at 800-472-2005 to ask about these offers: $300 Furlough Grant for eligible Union Plus credit card holders, Mortgage Assistance Loan & $300 Grant: payment grace period for your Union Plus Life and Accident Insurance, payment grace period for Union Plus Auto Insurance, and payment grace period for Union Plus Life and Accident Insurance.

Wells Fargo: Here’s a full list of all shutdown assistance lines at Wells Fargo. They’ve got a few different options to help depending on the services you have with their bank.
Furlough Grants

FEEA-NARFE: This is an awesome offer that every furloughed Federal worker needs to take advantage of. FEEA-NARFE fund is offering $100 grants to active federal employee members who are not receiving a paycheck during the current shutdown due to being furloughed or working in excepted status. To apply, visit the FEEA website.
Thrift Savings Plan

TSP Plan News and Announcements: TSP allows for the suspension of loan payments when you go into non-pay status. They do not require documentation about your furlough currently. Missing one or two payments will not cause your loan to go into default. Log in to your account to check your status or simply call the Thrift Line at 1-877-968-3778.

Toyota Financial Services & Lexus Financial Services: Affected lease and finance customers in good standing with their accounts may be eligible to take advantage of up to two months of finance contract payment extensions or lease deferred payments. Toyota Financial Services call 800-874-8822 and Lexus Financial Services call 800-874-7050.

Hyundai Capital: Hyundai will extend all Hyundai Capital auto loans and lease payments for 30 days for current Hyundai owners who are federal government employees furloughed during the shutdown. Impacted consumers should contact Hyundai Motor Finance at 1-800-523-4030 to take advantage of this offer.

Kia Motors Finance: Kia has announced they’re offering deferred payments of 30 days. If you’ve been affected by the current Government Shutdown and need assistance from Kia Finance, please contact us at 1-866-331-5632.

Ford Credit, GM Financial, & Mercedes-Benz Financial Services: It has been reported that these companies are among those providing qualified customers options such as payment deferrals, late fee waivers and special care lines to address their individual problems, though official announcements from these companies have not been released online.
Mobile Telephone Service Providers

AT&T: Will assist with adjusting late fees, providing extensions, and revising payment schedules.

Sprint: Will provide short-term payment solutions. Call 1-888-211-4747

T-Mobile: Offering short-term assistance and can spread out service payments over time. Call 1-877-746-0909 or 611 from a T-Mobile device.

Verizon: Offering flexible payment options and has a Promise to Pay program to set payments for a future date. Call 1-866-266-1445.

Rental Home Assistance
National Rental Home Council: Represents many of the nation’s largest operators of single-family rental homes. They’re offering deferred rent payment options with no late fees to any renter who has been furloughed.
OPM Sample Letters for Creditors and Mortgage Companies: OPM created these sample letters for Federal workers to contact their landlords, mortgage lenders, and utilities, to request help during the shutdown.

National Food Resources & Advice
Feeding America: These guys have a nationwide network of 200 food banks. From those food banks, they have 60,000 partner pantries from which they can serve every community across the United States. This is an awesome resource, and they have already begun serving Federal employees affected by the government shutdown.

Your School District: To save on food and ensure your kid eats breakfast and/or lunch free (less stress and worry for you), notify the district of your furlough. No income is an emergency and normally qualifies you for the free meal program.

Home, Auto & Life Insurance Relief
MetLife: For those not receiving a paycheck from the federal government because of the current shutdown, MetLife Auto & Home may grant a one-time, 30-day grace period on your payment of premium on a MetLife Auto & Home policy. Members must request this one-time allowance by calling 1-800-GET-MET8. Certain restrictions apply, and premium remains due after delay expires.

Fidelity & Guaranty Life Insurance Company: To help the nearly 27,000 AFGE members who currently have a policy with the company during this government shutdown, the company “will keep the policy-in-force by waving the cost of insurance charges for the next 30 days.”. Policies beginning with the letter "Y" call: 844-800-9146, all other policies call: 888-513-8797

Other Notable Mentions for Relief & Assistance.

Rent-A-Center (Benefits Plus Membership): If your account was up to date at the time of furlough and you are a part of benefits plus you may be eligible for a payment waiver based on your state: “Involuntary Unemployment Payment Waiver: Losing a job is hard and making payments while unemployed is even harder. Fortunately, your Membership waives your payments when you are involuntarily unemployed. Whether you were fired, laid off, suspended, or are out of work due to a labor dispute or strike, your payments are covered for up to four (4) months, up to $1,000, or when you’re able to return to work.”

National Freebie Offers
U.S. Office of Personnel Management: Their fact sheet states that federal employees may be eligible for unemployment compensation administered by state unemployment insurance agencies. So, eligibility is determined by state law, not on the Federal level, which may work in your favor.
USAA Are offering deferments for all loans and credit card payments.

Calling All Tax Pros! 🚨

I’m looking to help 10 more tax professionals go DIRECT this upcoming season! 💼

No, you do NOT need 2,500 funded returns to go direct.

What you do need is the right connection someone with strong relationships with the bank and software provider (that’s where I come in 😉).

When you go direct:
✔️ You keep 100% of your tax prep fees
✔️ You keep 100% of your backend (bank product) fees
✔️ You build your own brand and increase your profit margins

Let’s make this your most profitable and independent tax season yet.

📩 DM me or comment “DIRECT” if you’re ready to take control of your tax business.