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How to Stop IRS Wage Garnishment | Flat Fee Tax Service

Updated: Nov 22, 2019

How to Stop IRS Wage Garnishment. Straighten Out Your Financial Life. If you have a tax debt that has not been paid, you might need to know how to stop IRS wage garnishments. That’s because if you owe the IRS unpaid taxes, the agency can take a huge bite out of your wages. This doesn’t happen overnight. Like a good movie, the IRS builds up to the ending. The IRS will send you letters (notices) for months before this will happen. IRS notices are programmed in a computer to go out in intervals. The IRS wants to do 2 things. One is to obviously collect money. The other is to close the case so they can move on to the next case. The IRS would much rather find a amicable solution to your debt, and this is an important point to remember. The IRS will garnish your wages when they think they have no other option or they want to grab your immediate attention.

What Not to Do if an IRS Wage Garnishment Happens to You. Understand that your employer will have to comply with the IRS wage garnishment. If they don’t, the IRS will come after your employer for your tax debt. Normally, the IRS will take at least 25% of your income. The IRS can actually take all of your paycheck. They don’t care if you are left with enough to pay your bills or not. They just want their money and they want to close your case. In most cases, it won’t even help if you are self-employed and are structured as a Professional LLC. (Even if your husband or wife is the person who is delinquent, the IRS could still come after you.) Before the IRS will garnish your wages, the IRS must demand payment for a tax liability and you must have failed to respond. Then, the IRS will send you a final notice of intent to garnish your wages 30 days before it starts. This is your window to act. When the agency implements an IRS garnishment, they accomplish their goal. Collect money and your case is closed.


When you find yourself with an IRS garnishment, your case needs to be re-opened by an experienced IRS Tax Attorney. THE IRS TAX ATTORNEYS AT FLAT FEE TAX SERVICE WILL STOP AN IRS WAGE GARNISHMENT IN ONE DAY.


How to Get an IRS Wage Garnishment Release

1. Lay Down and Accept the IRS Garnishment.

Before you get the IRS to play nice, you have to comply with their rules. That means you have to file taxes for every year.

2. Pay Off Your Tax Debt.

Obviously, if you pay all your debts, the IRS will call their dogs off you. Borrow the money or sell an asset. Do whatever you have to do (legally) to get these guys off your back as soon as possible. You’ll live a lot longer because of the stress release.

3. Make the IRS a tax settlement (#OfferinCompromise) they can’t refuse.

An Offer in Compromise isn’t easy to get. If Basically, this is a situation where you get the IRS to accept less than what you owe. Before going down this road, you would be smart to hire a good tax attorney who has a lot of experience dealing with similar problems.

4. Get Yourself into an Installment Agreement.

Often you can get the IRS to agree to an installment agreement. This will give you three years to pay off your IRS debt. Even if you don’t have a great credit score, as long as you haven’t flaked on previous debts, the folks at the IRS will probably let you go this route.

5. Plead poverty - Currently not Collectible.

If you can convince the IRS that the wage garnishment causes financial hardship, they might let up at least until your financial situation improves. If you can’t pay for basic living expenses as a result of the wage garnishment, you’ll probably get them to agree to hold off. This is another case where a tax professional might be helpful. They usually know the exact financial formulas the IRS uses to determine if you face hardships that meet their definition or not. 6. Quit Your Job.

If you like your job, you don't have to quit your job. Understand that the IRS wage garnishment is specific to an employer. If you change employers, the IRS has to get a new garnishment, and that will take them several months. This can also work if you simply quit your job temporarily. If your employer informs the IRS that you don’t work there, the garnishment won’t be valid. Then if they rehire you, the IRS will have to go back to get another garnishment. Too bad for them. DON'T DO THIS. IT'S TOTALLY UNNECESSARY. THERE ARE PROCEDURES THAT CAN BE UNDERTAKEN TO STOP THE IRS GARNISHMENT AND RESOLVE YOUR TAX DEBT.

7. The nuclear option - Bankruptcy

We are not Bankruptcy Attorneys so we are not going to get into the merits of taking this route. If you file for bankruptcy it will stop the IRS wage garnishment. Of course if you go this route, it will have a major impact on your financial life. If you file BK, you may get out of IRS tax debt, but it will stop the wage garnishment for awhile. Now you have some information regarding an IRS Garnishment. The IRS has placed you into a position that needs to be addressed. If you want to save your paycheck and get that tax debt resolved, give our tax professionals a call. The consultation is free.

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