Millions of people have already received their $600 federal stimulus payment. But some Americans will have to wait a bit longer — and may have to file their tax return to collect it.By law, the I.R.S. said, it must issue the stimulus payments by Jan. 15. After that, those who are entitled to a payment but haven’t received one must instead claim it as a credit on their 2020 returns.And some payments that have been sent are bouncing back to the U.S. Treasury because they were directed to inactive or temporary accounts that taxpayers can’t access.It’ …
