@margotkuszaj - it's work itself out. the payment is an advance against the 2021 tax year (not 2020).
What that means is the IRS is going to pay out the stimulus based on 2020 tax information and if that is not available they will use 2019.
But then when you file your 2021 tax return, they will use that information to recalculate your "payment recovery". if it calculate out to more than your received for the 3rd stimulus, it'll be a credit on your 2021 ta return. If it turns out the stimulus paid is more than is calculated based on the 2021 tax return, then you don't own it back.
bottom line - if you don't get the stimulus now, it'll be paid to you next year. Probably not the answer you wanted to hear, but it's not a lost payment just delayed.
what I described is exactly how the 1st two stimulus payments worked, they were advances against the 2020 tax year and the 3rd stimulus is an advance against 2021.
