Tax Assistance Program (TAP)

The Virtual Tax Assistance Program (TAP) is no longer accepting new clients.  Virtual TAP will open late-January 2021. 

Through its Tax Assistance Program (TAP), Ladder Up offers free electronic preparation and e-filing of individual income tax returns for Chicago-area taxpayers. By leveraging the donated time of 1,000+ volunteers, many recruited from the area’s top companies and universities, Ladder Up provides free tax assistance from February – April.

Tax Assistance Program Services

By using the free services offered through the Tax Assistance Program (TAP), Ladder Up clients can keep more of their hard-earned money.  Since 1994, Ladder Up has prepared over 593,000 returns and secured more than $1.2 billion in tax refunds to clients.

Free services available through the Tax Assistance Program (January 30 – April 15) include:

  • Preparation of Federal and Illinois income tax returns for full-year Illinois residents*
  • E-file services for tax returns
  • ITIN application/renewal assistance (Individual Taxpayer Identification Numbers are needed for taxpayers that do not have and are not eligible to receive Social Security numbers) – This service is provided seasonally.
  • Preparation of 2020 and 2017 tax returns only.

*For clients who are in-scope for our services, we can prepare a federal tax return and a state tax return where one of the following requirements is met:

  • Clients were full-year Illinois residents with income only in Illinois for the tax year – in this situation, the state return can be prepared at all TAP locations (Ladder Up does NOT prepare state tax returns for residents of other states, or for partial-year Illinois residents)

Income Limits:

Ladder Up’s Tax Assistance Program (TAP) sites serve individuals earning up to $30,000 per year and families earning up to $57,000 per year.

Eligibility Requirements:

*If you do not meet our eligibility requirements for in-person services, you can prepare and file your own 2020 taxes for free online using IRS Free File starting January 30, 2021 until October 15, 2021: goladderup.org/freefile

  • TAP can e-file the 2020 tax return of any client that is eligible to e-file and that wants to submit their tax return electronically instead of through the mail.
  • TAP can paper file the 2017 tax return.
  • Married taxpayers filing a joint tax return must BOTH be present at the site so that Ladder Up can validate proof of identity and Taxpayer Identification Numbers and so that both spouses can sign their tax return following the quality review process.
  • The tax return cannot be e-filed, nor a copy provided to the taxpayer(s) until:
    • Both signatures are secured on the tax return or on Form 8879, IRS e-file Signature Authorization, OR
    • The spouse has an original copy of a signed and notarized Power of Attorney

Out-of-Scope: Ineligible Income/Expenses:

TAP can NOT prepare or amend returns for clients in the following situations:

  • Clients with income from rental property
  • Clients who receive Form 1099-A (Acquisition or Abandonment of Secured Property)
  • Clients who receive Form 1099-C (Cancellation of Debt) for discharged debt other than credit card (Box 4), and/or that shows interest (Box 3), and/or that has Code A (Box 6) showing that the client was insolvent at the time the debt was cancelled
  • Clients who are in bankruptcy, even if Box 6 on the Form 1099-A/1099-C is not marked with Code A
  • Clients who have a Kiddie Tax scenario (When a student receives more scholarship money than is billed from the institution
  • Clients who lived or earned income outside of the state of Illinois

If you own your own business, TAP cannot prepare your return if you:

  • Had business expenses of more than $35,000
  • Did not use the cash method of accounting
  • Had an inventory at any time during the tax year
  • Had a net loss from the business
  • Had employees during the year
  • Were required to file Form 4562, Depreciation and Amortization, for your business
  • Deduct expenses for business use of your home

A more complete list of additional forms and tax situations that are also Out-of-Scope for VITA and Ladder Up is available here.

If you are out-of-scope for Tax Assistance Program services, click here for IRS tips and resources on how to search for a tax preparer.

A directory of federal tax return preparers is available here

What to Bring:

Please note: All of Ladder Up sites are by appointment only. (Link coming soon)

Personal Identification

  • Original Social Security card (or ITIN card/letter) for yourself and ALL individuals that appear on your tax return
  • If Married Filing Jointly, BOTH spouses must be present to have the return prepared 
  • Photo identification for yourself and your spouse (if you are filing a joint return)
  • Birthdates for all individuals that appear on your tax return

Ladder Up’s policy is that the taxpayer(s) themselves should be present during the tax preparation process and when the return is reviewed and signed (especially if the client would like to e-file). If the taxpayer is not present, a third-party individual can only file on behalf of the absent taxpayer only if the third-party individual presents an original, signed, and notarized Power of Attorney that demonstrates that the individual has the power to act on behalf of the taxpayer on financial matters relating to filing and signing a tax return.

Bank Account Information (if you use a bank account)

  • Account number for your checking and/or savings account
  • Routing number for your bank or credit union
    Note: If you have a checkbook or a voided check, we will have enough information to allow for direct deposit of your tax refund (if you are eligible for a refund)

Income & Expense Documents:

All income statements received for 2020/2017

Examples:

  • Form W-2 (Ladder Up will not accept payment stubs in place of the W-2)
  • Social Security benefits statement SSA-1099
  • Form 1099-MISC
  • Form 1099-NEC
  • Form 1099-G
  • Form 1099-R
  • Form 1099-INT or DIV showing dividends paid or interest earned

NOTE: If you are still waiting on missing income documents, please do not come to a tax site site until you have received ALL of your documents. You may need to contact your employer if you have not received your W-2 form by the end of January. Recent IRS processing changes have resulted in refund freezes lasting an average of 11 weeks for taxpayers for file without all of their income documents.

Expense information for 2020:

Some of the things that you paid for during the tax year are deductible. If you had any of the following, make sure to bring the appropriate tax document with you to the tax site. This includes:

  • Mortgage interest statement (Form 1098)
  • Second (or final) bill for property taxes paid
  • College Tuition and expenses for yourself or a dependent (Form 1098-T), student account transcripts, and other records related to amounts paid for college
  • Student loan interest paid (Form 1098-E)
  • Job-related expenses (if you are a sole proprietor or self-employed)
  • Child care expenses (Social Security Number or Tax Identification Number of the caretaker is required)
  • Your tax return from the previous tax year (if available)

If you drive for Uber or Lyft:

Uber and Lyft keep records for some, but not all, of the business expenses you may have had.

Both Uber and Lyft have tax summaries available through online driver profiles.

To find it:

  1. Log into your Uber app
  2. Go to Help – “How to Update Account”
  3. Click on the link to Partners.uber.com
  4. Go to the “Tax Information” tab
  5. You will want to download the 2020 Tax Summary as well as any Form 1099-K or Form 1099-MISC listed
  6. Keep copies of all of these pages for your tax records

The Tax Summary does not include ALL expenses. Additional expenses may include:

If you need in-person help with obtaining these documents, you can visit one of the locations below.

Uber Greenlight Hubs:
Hours vary by location; go to uber.com/drive/chicago/contact/ for complete information

  • 4609 W. Belmont Ave., Chicago
  • 1401 W. North Ave., Chicago
  • 839 W. 115th St., Chicago
  • 7250 S. Cicero Ave., Bedford Park

Lyft Hub:
3976 N. Avondale Ave., 2nd fl., Chicago
Mon & Wed, 10 am-8 pm
Tue, Thur, Fri, 10 am-4 pm

Health Insurance Information:

Examples:

  • Proof of health insurance coverage (i.e. Form 1095-A, Form 1095-B, Form 1095-C, Medicare card) OR
  • Certificate of Exemption

What to Expect:

Ladder Up’s Drop Off Tax Services are only available by appointment. Clients who show up without an appointment will be turned away. However, we will assist you with scheduling an appointment.

Drop-Off Tax Services: 

  1. Make an appointment to bring your tax documents to a new Drop-Off Tax Assistance site.  To make an appointment click here or call (312) 588-6900.
  2. Pick up your Intake Packet at your local site and fill it out before your appointment, if possible.
  3. At your appointment, work with a volunteer to complete any questions you are unsure of during intake process.
  4. The volunteer will scan your tax documents to allow Ladder Up tax volunteers to prepare and review your return completely virtual – you will not need to wait at the site for your return to be prepared.
  5. If you do not have access to email, make a follow-up appointment to visit the Drop-Off site to pick up and review your completed tax return or you can ask that we email your return to you and go over it with you over the phone.

Please check our eligibility and what-to-bring page before arriving to make sure you have all your documents and are eligible for free tax services.

ITIN Information

(Servicios de ITIN)

Ladder Up can help taxpayers apply for and renew an Individual Taxpayer Identification Number (ITIN) by providing free assistance with completion of Form W-7 (Application for IRS Individual Taxpayer Identification Number).

If you would like to make an appointment to complete your ITIN application, please use our contact form below and select “ITIN Assistance” from the dropdown menu.

For a detailed flyer about Ladder Up’s ITIN services, please click here.

For your appointment, please bring a passport OR any two of the following documents:

  • United States Citizenship and Immigration Services (USCIS) Photo Identification
  • Visa issued by United States Department of State
  • United States Driver’s License
  • United States Military Identification Card
  • Foreign Driver’s License
  • Foreign Military Identification Card
  • National Identification Card (must be current and contain name, photograph, address, date of birth, and expiration date)
  • United States State Identification Card
  • Foreign Voters Registration Card
  • Civil Birth Certificate (required for applicants under 18 if passport is not provided)
  • Medical Records (valid only for dependents under age 6)
  • School Records (valid only for dependents under age 14 (under age 18 if a student))

Where’s My Refund?

To check on the status of your federal refund, please visit: https://www.irs.gov/refunds

You will need the following information:

  • Social Security number or ITIN
  • Filing status
  • Refund amount (Line 35a of your Form 1040)

If your search does not return a result, please reach out to TAP to check on the status of your return by calling 312-409-1555.

To check the status of your Illinois state refund, please visit: https://mytax.illinois.gov/

Resources

Internal Revenue Service (IRS)
www.irs.gov
(800) 829-1040
(800) 829-4059 (TDD)

Social Security Administration
www.ssa.gov/chicago
(800) 772-1213

Illinois Department of Revenue
tax.illinois.gov
(800) 732-8866
(800) 544-5304 (TDD)

Local Illinois Department of Revenue Offices:

James R. Thompson Center – Concourse Level
100 W. Randolph St.
Chicago, IL 60601-3274
(800) 732-8866

Maine North Regional Building
9511 Harrison Ave.
Des Plaines, IL 60016-1563
(847) 294-4200

Testimonials

Juan is a 58-year-old married father of three who works in a warehouse. “I used to prepare my own taxes, but when I got married and bought a house I didn’t know how to do it, so I had to pay someone $100 to file my taxes.” For Juan, his tax refund, which was over $3,000, represents the largest paycheck he will receive all year and, like many other Ladder Up clients, this year he used his refund to pay off bills. “I’m glad they do so many checks to make sure that everything is ok.”

When Latoya, a 38 year-old home aid worker and mother of three found out that the paid preparer she was using was fraudulent, she turned to Ladder Up to have her tax return prepared honestly and accurately. “I like [Ladder Up’s] sites because they are professional, and I know they can help with questions, which is why I’ve been coming for a couple of years now. This year, she will use her refund of over $2,800 to pay off some bills.

“I enjoy working with the clients and the other volunteers. It is very satisfying to see the immediate impact our work has on the lives of our clients. Being able to tell a client the amount of their refund, or helping them to resolve tax situations is a great feeling. We have many repeat clients that we develop relationships with and I have been part of a wonderful volunteer team for quite a few years. I also enjoy using my accounting skills, and I’m detail oriented so I enjoy being a checker.”
– Martha, Ladder Up volunteer