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I am very sorry to hear of your problems.
The current guidance is to file a 2020 return. The IRS does not open until January 28, maybe there will be more information before then. Otherwise, filing a 2020 return will be your option.
Please keep checking IRS Economic Impact Payment Information Center.
Your 2020 tax return is your last chance to let the IRS know you are eligible for the EIP#1 and EIP#2.
IRS is opening for e-FILE on Feb 12th now.
Try not to mail a paper return.
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