Is there another stimulus check coming

Is There Another Stimulus Check Coming?

In one of our previous articles, we discussed the first stimulus check, when it might arrive, and how to track yours. The current question is: While the Coronavirus pandemic continues to surge in some states, will Americans receive a second stimulus check?

Depending on what news source you look at, you could get conflicting answers. Let’s take a look at how the stimulus check question stands as of July 7, 2020. 


On March 27, the first stimulus package, known as the CARES Act became law and checks began to be sent out. Most single filers with an adjusted gross income under $75,000 received $1200, while joint filers with an adjusted gross income under $150,000 received $2400. In some cases, children under the age of 17 in 2019 received $500. 

If you have not received a check or direct deposit, follow this link to track your stimulus check. 


On May 12, the House passed the HEROES Act. This act contained $3.4 trillion in aid for struggling Americans and American businesses. However, the act was not considered in the Senate. The Senate instead is focusing on reopening the economy and getting people back to work, despite the COVID-19 surges and subsequent reclosure of many businesses.

If it were passed today, the HEROES Act would include a $1200 payment for children over the age of 16 as well as dependent college students. It would also forgive up to $10,000 in federal student loans.

It would also allow immigrants with an Individual Taxpayer Number (ITN), and American spouses and children of immigrants, to receive stimulus money. Because the CARES Act required a Social Security Number, at least 1.2 million households did not get a stimulus check despite being taxpayers.

Unfortunately, the Senate is not presently interested in considering the HEROES Act. 

Possible Changes to the HEROES Act

If the Senate decides to consider the HEROES Act, experts feel that there may be some changes to the bill. Instead of forgiving student loans, there may be a provision to offer payment holidays or changing interest rates to 0%. 

There also may be an incentive for universities and colleges to lower tuition because students may not be on campus this coming year. Another hoped-for provision is aid for technologically- disadvantaged students to get help paying for an additional computer or internet so they can virtually attend classes. 

The Senate has frequently commented that people made more off unemployment than they did at their actual jobs. Rather than addressing that boggling fact, the Senate is considering ways to return people to work or funding up to ⅔ of their paycheck through unemployment checks.

The Second Stimulus Check

Because this is a presidential election year, the odds are good that the Senate will eventually agree to a second stimulus act. The exact details of how much and when are still very tenuous and vague.  

That being said, our best advice is NOT to count on a stimulus check until it arrives in your bank account or mailbox. If the second stimulus bill is passed, check out some of our articles for ideas on how to allocate the money if that is a possibility for your economic situation. 

Some of our blogs posts that might be helpful include:

What If I Can’t Wait for the Stimulus Check

If your situation has gotten dire and you have no time to wait for the government to decide on a second stimulus package, Pacific Debt, Inc may be able to help. We are a debt settlement company that works directly with your creditors to decrease the amount of debt you owe. While we are negotiating with your creditors, we also help you to save up money in order to pay off your debts. 

Debt settlement is not for every situation, but our award-winning debt specialists can help advise you of your best options. They can even help refer you to trusted partners who offer services that are right for your unique situation. 

If you decide that debt settlement is the correct course, it usually takes between 24 and 48 months to become debt-free. 

For more information, contact one of our debt specialists today

About Pacific Debt, Inc

Pacific Debt Inc is one of the leading US debt settlement companies. We’ve been consistently named one of the best debt settlement companies for years. In 2020, we were proud and honored to have earned two #1 rankings for our customer service. Pacific Debt, Inc has settled over $300 million in debt for our customers since 2002.

If you’d like more information on debt settlement or have more than $10,000 in credit card debt that you can’t repay, contact Pacific Debt, Inc. We may be able to help you become debt-free in 2 to 4 years. 

Once you’ve completed our debt settlement program, your financial situation should start to improve. You’ll then be able to take the money once dedicated to paying towards your debt, and be able to use that money for other purposes like saving, investing, retirement, etc.Pacific Debt, Inc is accredited with the American Fair Credit Council and is an A+ member of the Better Business Bureau. We rate very highly in Top Consumer Reviews, Top Ten Reviews, Consumers Advocate, Consumer Affairs, Trust Pilot, and US News and World Report.

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