When you call there are two choices - one is debt incurred to non-consumer and govt agencies and the other to consumer agencies and personal. Check BOTH of them, don't assume you understand the definition of either. I owe a state obligation for which I entered a payment agreement but wasn't sure if that meant my federal refund would still be offset. I had been checking only one (the first one) thinking it's not a consumer issue and it told me there was no debt connected to my social security number. Then WMR said my refund would be partially or totally offset so I called again and it still said I owed nothing, but then I thought I should check the other option. Sure enough, the information for the offset was there. Now I wait to see how long that will take to process before I get the remainder of my tax refund. Hope this helps.
