How to file for your child tax credit

This article is intended for the parents of 55,000 children in New Jersey and nearly 14,000 children in Philadelphia who won’t get their Child Tax Credit (CTC) payment automatically. They are the children of immigrant parents, in households who earn so little they are not required to file a federal tax form, and perhaps even uninsured.

Families who did not have to file a 2019 or 2020 federal tax return, and missed out on Economic Impact/Stimulus payments, still have time to receive a monthly Child Tax Credit payment of $250 to $300 during 2021. Families can supply the IRS with needed information by using the Non-filer Sign-up Tool. The IRS will automatically determine eligibility and issue advance payments based on the information you give them.

A recent survey of free tax filing assistance sites reveals two organizations still helping individuals and families to file a tax return and/or assist in applying for the enhanced Child Tax Credit. They are:

New Jersey Citizen Action, 165 Halsey Street, Newark, NJ. Open Monday – Thursday, 9am-1pm. 888-829-3711. The are operating as a drop off and remote service only site – no face-to-face interviews. Visit their free tax preparation page. They encourage the clientele to visit an IRS child tax credit page in order to manage and receive the Child Tax Credit. This government website enables a family to: check if they qualify for advance CTC payments and submit needed information to qualify.

Campaign for Working Families, 1415 N. Broad Street, Philadelphia, PA, 215-454-6483, provides a number of options including: drop off appointments in Philadelphia, Montgomery County and various South Jersey locations, virtual appointments, and access to free tax software services. They are open for tax filing assistance through September. To schedule an appointment, visit their website at https://cwfphilly.org.

Additional information is available on the GetCTC website, a service of Code for America. Community advocates should also visit the Center on Budget and Policy Priorities’ 2021 CTC Outreach Resources page.

NJ SHARES Op-Ed

New Jersey residents shouldn’t have to pick between paying for medicine or their energy bill

By Cheryl Stowell

As New Jersey begins the process of re-opening due to the COVID-19 pandemic, we are starting to recognize the unavoidable economic challenges many of our residents will undoubtedly face. In addition to being a major public health threat, the coronavirus has brought an unprecedented economic crisis and recession, wreaking havoc on all parts of the state. Data released by the New Jersey Department of Labor shows that since the COVID-19 pandemic began, 1.4 million jobless claims have been filed and the state’s unemployment rate has reached historic levels of 16.2%.

In these uncertain, unstable times, it is critically important that individuals and families experiencing financial difficulties have the appropriate resources they can turn to in their times of need.

It has long been recognized that low- and moderate-income communities struggle disproportionately in dealing with energy costs. According to the Energy Information Administration’s (EIA) Residential Consumption Survey, one in three U.S. households face challenges when paying energy bills or adequately heating or cooling their homes. One in five forgo necessities like food and medicine to pay energy bills, forcing difficult tradeoffs that impact the household’s well-being.

The decisions made by New Jersey’s regulated utilities placing moratoriums on the suspension of utility services and collections of utility bill payments have been critically helpful for our residents. However, utility bill debt continues to mount for some, leaving them with difficult decisions about cooling their homes, purchasing medication, or even putting food on their tables.

With a mission of helping low- to moderate-income households address their energy insecurity issues during times of emergency or crisis, New Jersey SHARES (NJ SHARES) was established 22 years ago to provide statewide help and referral for essential services to those in temporary need of assistance. Our organization has helped keep the power on for more than 187,000 New Jersey households, granting more than $75 million in energy assistance.

Now, the cries for help are louder than ever.

With New Jersey’s tremendous budget deficit, our state’s leaders face enormous economic challenges. These challenges will only be amplified once moratoriums are lifted and utility customers are faced with staggering arrearages. Financial insecurities will also be exacerbated by mounting utility bill debt and the threat of disconnection.

We all must work together to ease the burden on New Jersey residents who have been hardest hit by the pandemic and find creative paths toward the resources required to aid in our collective recovery. NJ SHARES is committed to doing its part in these efforts.

As a nonprofit operating during difficult times, NJ SHARES is also facing our own challenges due to COVID-19 but remains firmly dedicated to assisting residents in need. We continue to identify critical funding sources and aggressively pursue them while utilizing existing funds to help those facing temporary hardships. Additionally, we look toward the on-going support of corporations and the generosity of individuals who help us Offer Hope and Deliver Help.

To quote Winston Churchill, “We make a living by what we get, we make a life by what we give.” The staff at NJ SHARES will continue to do what we can to help our fellow New Jerseyans struggling with temporary hardships in paying their utility bills. Every little bit helps.

Cheryl Stowell is the president and CEO of NJ SHARES. The above opinion article appeared in the July 27, 2020 edition of nj.com.

Disclaimer: I am a founding member of NJ SHARES. Please donate what you can.

Today Is EITC Awareness Day

Today is EITC Awareness Day, a day to promote a program of benefit to working families and individuals.

EITC is a tax program although it acts very much like a safety-net program. It puts over $1 billion in the hands (or checking account) of New Jersey residents each year. However, it needs publicity every year, too. About 25% of state residents do not taken advantage of the program at tax time, even though the average EITC tax credit is more than $2,000.

This year the Earned Income Tax Credit page of the New Jersey Community Resources website has had a major revamping. Easy to find links are listed below. Please do what you can to spread the word about EITC to working families, constituents, and co-workers.

Find a Location for Free Tax Help
NJ Free Tax Assistance Locations
Free Tax Site Locations in South Jersey and Philadelphia Area
EITCoutreach.org’s Get It Back Campaign
IRS’ EITC Assistant
MyFreeTaxes
Free File
AARP Foundation Tax-Aide
IRS Publication 596
Notice 1015 – “Have You Told Your Employees About the Earned Income Credit (EIC)?”
IRS Notice 797 – “Possible Federal Tax Refund Due to the Earned Income Credit (EIC)”
IRS2Go
NJ EITC Page
NJ Statement to Employees
NJ EITC Informational Flyer