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I checked my CA refund and it states: Please allow 3 months from the date you filed your return to complete processing. just yesterday it said a month. so what happened

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You will need to contact the California Department of Revenue for that information: How do I contact my state Department of Revenue?

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Last year I filed married joint and taxes owed then are now in installment payments. If I file married separate this year would my refund go towards those installments.

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