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1099s are legal documents

Active Member
Colleen C Member Since: Sep 4, 2020
1 of 6
How does upwork get away with not sending 1099s? These are required by law. We’re attempting to purchase a home and our lender will not let us move forward without them, even though I filed taxes showing income from earnings report.
Community Guru
Tonya P Member Since: Nov 26, 2015
2 of 6

Perhaps there is some mention in the law the explains the circumstances in which the document is required? Did you report the income on your taxes for 2019? That should serve as evidence of income. 

Community Guru
Will L Member Since: Jul 9, 2015
3 of 6
Community Guru
Mary W Member Since: Nov 10, 2014
4 of 6

Upwork doesn't pay you, the client does.  Some, but not all, clients will in fact send a 1099 at the end of the year. Have you shown your lender the Certificate of Earnings?

Community Guru
Jennifer M Member Since: May 17, 2015
5 of 6

They should be ok with tax returns. That's what mine took.

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Amanda L Member Since: Jan 23, 2018
6 of 6

Jennifer M wrote:

They should be ok with tax returns. That's what mine took.

I also use tax returns to show income. Never been a problem.