I did siding work for a man he paid me $ 9100.00 by a personal check after the job was finished. I am self employed. He received an insurance claim he got for storm damage. He also had other damage that I did not do the work on. (windows, landscaping, etc). I only did siding repair. He called me last week and said his mortgage company would not issue him the small amount of remaining money from his claim until he got a w-9 from me. I am a little uneasy about this. First off, every time I have gotten a 1099 from a company it has been when an insurance draft is made to both myself and the homeowner. I didnt think I could get 1099’d by a third party who did not pay me– they only reimbursed him. I know he hasnt had all the work completed and wants to either put the $ $ in their pocket, or do it themselves. I am afraid that instead of paying taxes on only what they paid me, I am now going to get a 1099 for much more that I actually got paid. I have nothing to do with the other work and dont want to be stuck paying taxes on more than I got. I am afraid his mortgager thinks I recieved teh entire amount of their claim(which is probly several thousand more than I got) Why would the mortgage company ask for w-9 from me(and can they legally) if they are not actually the party that paid me. I have no problem sending back something to the mortgage co. if they mail it to me, but very uneasy about giving my social security number to a homeowner who prints it online.Especially since he is not really being honest to the mortgage company about the other work not being done. I have no way of contacting their company. Can I get in trouble for not giving the w-9 to him? What is backup withholding mean? His mortgage company was not the actual payer. Should I take a chance and give it to him? What should I do?