Levies and Garnishments

A levy is the IRS’s way of getting your money and your immediate attention. What they are saying is, “We have tried to communicate with you, but you have ignored us. If you own it, we can take it.” That includes bank accounts, autos, stocks, bonds, boats, pension checks, paychecks, and even Social Security checks!

Imagine waking up one morning and finding your bank accounts have been cleaned out. If this amount did not cover what is owed, they will keep filing levies until they have collected every dollar you owe. They know that levying your bank account will cause checks to bounce, alerting many people that you have tax problems.

As bad as a bank levy is, a worse problem is a wage levy (or garnishment). That is when most of your paycheck goes to the IRS or State, and they do not even leave you enough to pay the bills. If that doesn’t accomplish what they want, they’ll pull out all the stops. They can seize and sell your assets.

Why This Happens

The IRS usually takes these steps after:

1. You owe taxes and haven’t paid.

2. Multiple notices have been sent (often including a Final Notice of Intent to Levy).

3. No payment arrangements or resolutions have been made.

How We Help

1. Stop the Levy or Garnishment

   As your representative, we can contact the IRS immediately to request a hold or release.

2. Negotiate a Resolution

   We work with the IRS to set up:

   • Affordable payment plans

   • “Currently Not Collectible” status (pausing collections)

   • Offers in Compromise (potentially reducing the debt)

3. Protect Your Income & Assets

   Our goal is to not just stop the garnishment, but to solve the underlying tax problem so it doesn’t return.

Why Acting Quickly Matters

Every day a levy or garnishment continues, you lose money. The sooner you get help, the more options we have to protect your income and property.