IRS data shows that the average refund check so far is about $2,200, or $1,000 less than a year earlier. Here's what experts say.

The IRS website explains how those with delinquent federal taxes — in other words, debts owed to government organizations — as well as delinquent child support payments might cause the organization to withhold someone’s tax refunds. State income tax liabilities and unemployment compensation debt, too, might prompt the IRS to do the same thing.