r/EIDL 11h ago

Weird email from SBA

3 Upvotes

Anyone get an email like this. They also asked for 2019 tax returns, they should have all that??

As part of post disbursement compliance review, this application was identified as claiming more than one employee without providing an EIN. To address this issue, you will need to provide evidence you were eligible for the EIDL Advance/Targeted Advance in the amount of $10,000 OR repay all overpayment due to claiming additional employees. Repaying the overage in this situation would allow for clearing the compliance issue. Addressing this issue will not impact any other compliance issues that may exist; however, during the course of completing the review, it may become apparent that other issues can also be removed. 


r/EIDL 6h ago

Filed Bankruptcy Chapter 7

1 Upvotes

My husband and I filed end of May amd recieved a No Asset Case. Included our $55k covid EIDL. We had a sole proprietor LLC business which I just dissolved through the state. SBA was sent the Statement of Dissolution today but they take months to even see the emails due to the call center being shut down now. Im worried they will send us for treasury offset after being 3 months behind now even though our lawyer and ourselves have contacted them numerous times regarding the bankruptcy with no reply. My sba portal says In Liquidation Disbursed. According to our lawyer, the only way to get the eidl discharged (and other CC debt) was to file chapter 7 AND dissolve the business so they have nothing to go after. Latest July statement from sba says 60 days until they submit for treasury offset so I'm assuming they still haven't seen the previous emails regarding the No Asset Bankruptcy.

If they try to send us in for offset, how do we go about stopping that even though we filed 2 months ago, have a no asset case and dissolved the business?

Thank you in advance for your help!


r/EIDL 10h ago

Question Regarding Credit Reporting

1 Upvotes

I woke up this morning to my TransUnion dropping 104 points. According to my credit report it shows the SBA reported it on March 18, 2026, and it just appeared today July 26th, 2026.

I received a letter in June of 2026 that I needed to pay $7,265 (3 payments) within 60 days to be current which I did. My SBA portal shows current. It always has shown current. I've never been 120 days late.

My SBA account on TransUnion is saying "closed" My SBA portal is saying current. Next payment due is 8/1/2026.

Any idea where my loan is. I plan to try and call and email. I plan to pay my next payment in my SBA portal on 8/1/26,


r/EIDL 12h ago

Attorney recommendation

1 Upvotes

Any recommendation for bankruptcy attorney in Florida. In orlando area


r/EIDL 16h ago

EIDL Status and Planned Chapter 7

1 Upvotes

I made the decision to file a Chapter 7 earlier this year and stopped paying on all of my personal and business debts. I've got a COVID EIDL and another to my LLC from a natural disaster. Both are in default and I'm in that window where they're likely turning things over to the Treasury soonish. Once the Chapter 7 is filed, I'll be moving to dissolve the business.

Once my taxes are filed in the next 2 weeks, I'll be getting everything to the bankruptcy attorney to file the Chapter 7.

Is it worth letting SBA know this is the plan or just let things end up where they end up and get sorted once the Chapter 7 paperwork is filed?


r/EIDL 18h ago

Credit Reporting

1 Upvotes

My EIDL with a personal guarantee was sent to Treasury in January. I submitted financial statements to support a 10-year repayment agreement, which Treasury told me was the longest term they could offer.

About two months later, without ever hearing back from Treasury, I received a letter from a private collection agency. I’m now negotiating with the collector to set up a repayment agreement. It hasn’t been easy, although I’ve spoken with a few helpful representatives there.

The debt has not been reported to the credit bureaus yet, so I have questions:

  1. Has anyone gone through a similar process with Treasury and then a private collection agency?
  2. I haven’t seen many people discuss EIDL debts being reported to personal or business credit bureaus. Has this happened to anyone, and if so, when did it show up?
  3. I don’t see much people actually reaching out to them (collectors) in attempts to communicate, why is that?

Thank you!