⏳ Protective-claim deadline: — left File Form 843 by July 10, 2026 — tap to check if you qualify
COVID Penalty Reclaim Kwong · Form 843 Toolkit
The IRS may owe you — but only if you claim it

Did the IRS charge you a penalty it wasn't allowed to?

A 2025 federal court ruling (Kwong v. United States) found the COVID disaster postponed federal tax deadlines all the way to July 10, 2023. If you paid a late-filing, late-payment, interest, or estimated-tax charge on a deadline inside that window, you may be able to claim it back — using a free IRS form. The catch: you have to file by July 10, 2026.

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Deadline: Friday, July 10, 2026. After that, the window closes for most claims — permanently.

60-second check · No account · No card to find out

⚖️
Real rulingKwong v. United States, U.S. Court of Federal Claims (Nov 2025)
🏛️
Flagged by the NTANational Taxpayer Advocate urged taxpayers to act
📄
Free IRS formForm 843 — you never pay the IRS to file it

This is a protective claim: the IRS is appealing Kwong, so a claim preserves your right to a refund if taxpayers ultimately win. Honest version — no fake guarantees.

1 Eligibility check

Find out if a penalty you paid is reclaimable

Answer honestly — the wizard flags likely qualify, maybe, and probably not, and only the real disqualifiers stop you. Whatever you enter also pre-fills your Form 843 later.

Step 1 of 6 — The basics

Did you pay any IRS penalty or interest for tax years 2019–2022?

Late-filing, late-payment, underpayment/estimated-tax penalty, or interest on those — anything beyond the actual tax itself.

Which years were penalties tied to?

Toggle the years where a filing/payment deadline fell between Jan 20, 2020 and July 10, 2023. (2019 returns were due in 2020; 2022 returns were due in 2023 — both inside the window.)

2019Due Apr/May 2020
2020Due May 2021
2021Due Apr 2022
2022Due Apr 2023

What kind of charges were they? (pick all that apply)

This maps to the IRC section on your Form 843. Not sure? Pick what's on your IRS notice or transcript.

Roughly how much did you pay in penalties + interest?

A ballpark is fine for the estimate — you'll pull exact figures from your transcript before filing. Leave blank if unknown.

Were these federal IRS penalties — not state?

Kwong is a federal ruling. State penalties (e.g. Minnesota DOR) follow separate rules and aren't covered.

Who paid these — and are records reachable?

Both individuals and businesses can claim. You'll need your IRS account transcripts to confirm amounts (free to pull — the guide below shows how).

Please choose an answer to continue.

2 Your filing toolkit

Everything you need to mail one clean claim

The wizard already captured your details. Unlock the toolkit to auto-build your Form 843 draft, a cover letter that cites the case, your mailing kit, a filled-in sample to copy, and a tracker for after you mail it.

🔒 $17

🧾 Form 843 auto-fill generator

Produces a line-by-line, copy-ready draft of IRS Form 843 — including the exact protective-claim language the National Taxpayer Advocate recommended.

🔒 $17

✉️ Protective-claim cover letter

A one-page letter that states this is a protective claim under Kwong and the 2025 disaster-relief law — so your filing date is locked in even while the appeal plays out.

🔒 $17

📮 Mailing kit + checklist

Mail it right or it doesn't count. Form 843 must be filed on paper. Send it certified mail, return receipt requested so you have proof of the filing date if the claim is ever misplaced.

  • A separate Form 843 for each tax year you're claiming.
  • "Protective Refund Claim Pursuant to Kwong v. United States" across the top of each form.
  • Your cover letter on top.
  • Mail to the IRS service center in the Form 843 instructions for your form/state (varies — check current 843 instructions).
  • Keep a full copy + your certified-mail receipt.

From overseas? Allow extra postal time and use international tracking so you have a verifiable filing date.

🔒 $17

📍 "What happens next" tracker

Tap each step as you go. Saved on your device.

1
Pull IRS transcripts (2019–2022)Confirm exact penalty + interest amounts paid
2
Generate Form 843 + cover letterOne per tax year
3
Mail certified, return receiptBefore July 10, 2026
4
File your receipt + copiesYour proof of timely filing
5
Wait for IRS / appeal outcomeClaims may be held in suspense until the law is settled — that's normal
Unlock the full toolkit
$97$17
One-time. Lifetime access on this device.
✓ Form 843 auto-fill generator (every year you claim)
✓ Protective-claim cover letter with the exact case citation
✓ Mailing kit + certified-mail checklist
✓ A filled-in sample to copy line-by-line
✓ "What happens next" post-mail tracker
Pay $17 with PayPal Pay $17 with Venmo (@Cuong-Pham-96)

After paying, your access code is delivered with your receipt (or at whop.com/CuongFBI). Already paid on Whop? Enter your code above.

Filing Form 843 is always free at the IRS. You're paying only for the done-for-you toolkit that builds it correctly and on time.

3 Free guide

How to find what you actually paid

You can't claim a number you can't prove. Your IRS account transcript for each year lists every penalty and interest charge — and what you paid. It's free.

Pull your transcripts in ~10 minutes

  1. Go to IRS.gov → "Get Transcript Online" and verify your identity (ID.me).
  2. Choose Account Transcript for each year: 2019, 2020, 2021, 2022.
  3. Look for transaction codes for penalties (e.g. 166/160/170 for late-filing/late-payment/estimated) and 196/190 for interest, plus any payment lines.
  4. Add up what you paid in penalties + interest for deadlines inside the Jan 20, 2020 – July 10, 2023 window.
  5. Bring those totals back to the generator above.

No online access? Call the IRS or file Form 4506-T to request transcripts by mail (allow time before the deadline).

🥊 Why is this 1000× better than the rest? ▼
What you getThe viral "$360B" reelsThis toolkit
Tells you the truth"Everyone's owed billions!"Honest: protective claim, contingent on appeal
Real eligibility logic"You don't qualify if you got a refund" (false)Correct test: did you pay a penalty in the window
Builds the actual formLinks you to a $500 "service"Auto-fills Form 843 + cover letter for $17
Exact case citationVagueKwong v. United States + 2025 relief law
Mailing done rightRarely mentionedCertified-mail kit so your date is provable
Your dataHarvested by lead-gen sitesStays on your device. Period.
Turn this into income

Help others reclaim — build $500–$2,000/mo

$500–$2,000/month, realistic side path
  • You learned the system once. Friends, family, salon clients, and small-business owners all have the same un-checked penalties sitting on their transcripts.
  • Walk them through their eligibility check, then their Form 843 — a clean, honest service people gladly pay for before a hard deadline.
  • Each conversation also opens the door to legal protection, wellness, and credit — the three engines below.
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⚠️ Charging to prepare other people's federal refund claims for a fee generally requires a free IRS PTIN (~$19). Easy to get — just do it before you charge.

4 Straight answers

The questions everyone's asking

Is this actually real, or another scam? +
The ruling is real: Kwong v. United States (U.S. Court of Federal Claims, Nov 2025). The National Taxpayer Advocate publicly urged taxpayers to act. What's not real are the viral "$360 billion, everyone qualifies" reels and lead-gen sites. This toolkit just helps you file the free IRS form correctly — and tells you the honest odds.
If I got a tax refund those years, am I disqualified? +
No — that's a myth floating around in the comments. Eligibility isn't about whether you got a refund. It's about whether you paid a penalty or interest on a deadline inside the Jan 20, 2020 – July 10, 2023 window. If you were never penalized, there's simply nothing to reclaim.
Will the IRS just send the money automatically? +
No. Relief is not automatic. The IRS is appealing Kwong. Filing Form 843 is a protective claim — it preserves your right to a refund if taxpayers ultimately win, and stops the clock from running out before the case is settled. Miss July 10, 2026 and most claims are gone for good.
What does the $17 actually get me? +
The done-for-you build: your Form 843 auto-filled for each year, the cover letter with the exact case citation, the certified-mail kit, a sample to copy, and the post-mail tracker. Filing with the IRS is always free — you're paying to get it built right, fast, before the deadline.
What if I'm not sure how much I paid? +
Pull your free IRS account transcripts for 2019–2022 (Section 3 above shows exactly how). They list every penalty and interest charge and what you paid.
Does this cover state tax penalties too? +
No. Kwong is a federal ruling. State penalties (like Minnesota's) follow separate rules. This toolkit is federal-only.
What happens after July 10, 2026? +
For most taxpayers the primary window closes. A narrower secondary deadline (two years from the date you paid) can run later — into 2027 for some — so the app stays useful for those cases. But don't gamble on it: the safe move is to file before July 10, 2026.
Educational use only — not legal, tax, or financial advice. COVID Penalty Reclaim is an educational tool. It is not a law firm, accounting firm, or tax-preparation service, and using it does not create an attorney–client or preparer relationship. The Kwong decision is being appealed and the outcome is uncertain; filing a protective claim does not guarantee a refund. Eligibility, deadlines, and amounts depend on your specific facts. Before filing, confirm your figures against your IRS transcripts and consider consulting a licensed CPA or tax attorney. Form 843 is filed with the IRS for free. Results are not typical and are not promised. By using this tool you agree to the Terms and Privacy Policy.