I'm a Public Adjuster and have a LLC with a trust account. Some clients want me to find them contractors. My question is 2-fold?

Prof - First off, thank you for your attempt. I'm certainly not "clueless business", but instead apparently you're clueless as to what a "Public Adjuster" does. I did find the answer to my first question and in short, you're wrong. Maybe you shouldn't attempt to answer questions you simply don't understand or aren't qualified to answer.

"Escrow agent; construction project. When an escrow agent maintains owner-provided funds in an escrow account for a construction project, performs management and oversight functions relating to the construction project, and makes payments for the owner and the general contractor, the escrow agent must file Form 1099-MISC for reportable payments of $600 or more. This requirement applies whether or not the escrow agent is a bank. If the contractor is the borrower of the funds, do not report on Form 1099-MISC any loan payments made to the contractor/borrower." (From the 1099 misc instructions)

Your information is too limited for a good answer. If you hire the contractors and pay them you have to provide them with 1099 forms. If you just find the contractors and your clients hire them, the 1099s are not your responsibility.

2. Want the money back? Unclear who pays what to whom and for what. You have to be much clearer in explaining what your LLC does and how it does it. It may be best if you consult a CPA to help you.You seem to be clueless business.