Wage Garnishment

Regain control of your finances! We stop wage garnishments and find the best tax solution for you.

Understanding Wage Garnishment: How It Works and What You Need to Know

Wage garnishments are a form of debt collection where an employer withholds a portion of an individual’s paychecks to pay a debt. This process typically occurs when a person has failed to pay debts such as child support, student loans, taxes, or other outstanding obligations.

The Internal Revenue Service (IRS) can garnish wages for unpaid taxes. Garnishment usually happens when the IRS has assessed the tax, sent a Notice and Demand for Payment, and the taxpayer has neglected or refused to pay the tax. As a last step, the IRS sends a “Final Notice of Intent to Levy and Notice of Your Right to A Hearing” at least 30 days before the levy. The IRS can take a significant portion of your paycheck, making it a serious issue for those affected.

To stop wage garnishments, especially from the IRS, you can

This is the most straightforward way to stop a garnishment. Once you pay off the debt, the garnishment will end.

If you can’t pay in full, setting up a payment plan with the IRS is a viable option. Once the IRS accepts an installment agreement, the IRS will generally stop the garnishment.

This agreement between you and the IRS settles your tax liabilities for less than the total amount owed. It’s an option if paying your entire tax liability creates a financial hardship, though it can be difficult to qualify. If an OIC won’t work, a partial payment installment agreement is another option we can consider.

If you believe the garnishment was made in error, or there are other legal reasons it should not occur, it can be challenged.

If the garnishment is causing significant financial hardship, you can apply for a temporary suspension. The IRS may release the garnishment if they agree it’s preventing you from meeting basic, reasonable living expenses.

Filing for bankruptcy can halt garnishment for some types of debt. However, bankruptcy has long-term financial consequences. Moreover, the IRS may ultimately not discharge your income taxes despite filing for bankruptcy.

IRS Representation Services

If you have received a notice from the IRS or are facing an audit, we can help. Our experienced tax professionals will represent you before the IRS and ensure that your rights are protected.

Small Business Tax Services

We understand the unique needs of small businesses and offer a range of tax services tailored to your business. From tax planning to bookkeeping, we can help your business thrive.

Tax Resolution Services

If you owe back taxes or have other tax issues, we can help. Our tax resolution services include negotiating with the IRS on your behalf and developing a plan to resolve your tax debt.

Estate and Trust Tax Services

Our estate and trust tax services help you plan for the future and minimize your tax liability. We work with you to create a comprehensive estate plan that meets your needs and goals.

Schedule a Consultation

Please consult with me when dealing with IRS wage garnishments to understand alloptions and ensure the best approach is taken based on your specific situation.