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How to Stop IRS Wage Garnishments and Get Your Financial Life Back| Flat Fee Tax Service

Updated: Jul 2, 2019

Stop an IRS Wage Garnishment - Stop IRS Tax Levy - Stop Tax Levies - San Diego - Southern California If you have a tax debt, you need IRS tax debt relief, and you might need to know how to stop IRS wage garnishments. Should you owe the IRS unpaid taxes, they can take a "huge chunk out of your wages. A wage garnishment (#IRSwagegarnishment) won't happen overnight. The IRS will send you letters for months before the tax levy will happen. An IRS Wage Garnishment is the most serious step the IRS will take against you without sending you to jail. The IRS would much rather find a friendly solution to your debt, and this is an important point to remember. The IRS will garnish your wages when they have been ignored and insist on the taxpayer to pay attention to them.

What Not to Do if This Happens to You. Understand that your employer will have to comply with the IRS wage garnishment. If they don’t, they IRS will come after them for your tax debts. Typically, the IRS will take 25% or more of your income. They don’t care if you are left with enough to pay your bills or not. The IRS just want their tax debt paid. 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. Read “Innocent Spouse” for ways to deal with that problem.)

Normally, the IRS will leave you with some money, but not much. It’s probably not going to be enough for you to survive on. Of course, they’ll continue taking their cut until your debt (plus penalties and interest) is paid. PLEASE NOTE: The IRS has a "mechanism" called a Manual Levy which allows them to take 100% of your paycheck. It only requires a signature from a Revenue Officer.

If you can avoid an IRS wage garnishment, do it. You’ll pay less if you come to an agreement with the IRS than if you allow the garnishment to be put in place.

Before they 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. The IRS wants to do 2 things: collect tax debt and close cases. The IRS would rather come to an agreement with you, even accept less money, rather than garnish your wages. Getting you to agree to an Installment agreement will "pay the tax debt and will close the case".

How to Get a Wage Garnishment Release. YOU CALL THE IRS WAGE GARNISHMENT PHONE NUMBER: 1-866-747-7435

That is the short answer. Below are your choices. 1. Assume the position.

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. You must be compliant. That means that the last 6 years of tax returns must be filed.

2. Pay the IRS off.

Obviously, if you pay all you tax debt, the IRS will call their dogs off you. Borrow the money or sell an asset. 3. Settle your tax debt through the Offer in Compromise program.

This isn’t easy to get, but it’s worth a try. You should have an experienced IRS Tax Attorney handle an Offer in Compromise. Basically, this is a tax debt settlement 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. Make payments. 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. Why wouldn't the IRS agree with an Installment Agreement. They get a "frightened anxious taxpayer" on the phone and then dictate terms.

5. Plead poverty. Be placed into Currently not Collectible status.

If you can convince the IRS that the wage garnishment causes financial hardship, they will release the wage garnishment. If you can’t pay for basic living expenses as a result of the wage garnishment, you’ll probably get them to agree to wait. This is another case where a tax professional will be helpful. They usually know the exact formulas the IRS uses to determine if you face a financial hardship and can placed into Currently not Collectible status. 6. Do Not Quit Your JOB. There is absolutely no good reason to quit your job. As of today, we experiencing a "jobs boom". We have low unemployment, but you don't have to leave your job. It's totally unnecessary.