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IRS Garnishment And How To Stop It

IRS wage garnishments and levies is a process that taxpayers need to understand especially if they are not in an agreement with the IRS. Find out more here!

IRS Tax Garnishment

Liens and levies are common ways the IRS collects your tax debt; however, IRS wage garnishment is even more prevalent. Under federal law, the IRS has the right to seize your income and take away any federal tax debt you may owe, including commissions, wages, salary, or bonuses.

The IRS could garnish your wages even if they didn’t take you to court and receive a higher amount of your earnings than a private creditor might do. The IRS can typically garnish over 20% of your income due to your tax debts, but repayment plans are available.

The IRS cannot take your wages without written notice in advance, and you can dispute what you owe or prove that your tax debts aren’t accurate through the help of an IRS tax attorney.

Several options are available to stop IRS wage garnishments, including changing employers, setting up an installment plan, offering in compromise, proving extreme financial hardship, or filing for bankruptcy, but the most effective way is to appeal.

With the help of a tax professional, you can stop wage garnishment and reduce your monthly payments. Call Hutton Tax Solutions at (405) 494-2848 for a free consultation on your case and learn more about unpaid tax debt and wage garnishment.

IRS Garnishment Letter

Garnishing your wages will lead you to financial hardship, however, the IRS can’t do this without prior notice. You will receive a written notice before any garnishment action is taken. The notice must inform you about your unpaid taxes, the total taxes owed, and how much time you have before the pay period expires.

This is where you can stop an IRS wage garnishment by paying what you owe, or with the help of an IRS audit lawyer. You should contact tax attorneys to prevent wage garnishment proceedings if you believe the amount owned is incorrect. Your tax situation will become worse if you ignore the first letter of notice.

How IRS Wage Garnishment Works

The way in which wage garnishment works is simple. If your tax issues aren’t resolved by the deadline of the first notice, you will receive a second one, which is known as the Final Notice of Intent to Levy.

This is the last chance to avoid wage garnishment and have your bank accounts suffer. The final notice must be sent 30 days before wage garnishment through registered or certified mail. During the 30-day period after receiving this notice, you are also entitled to appeal. Unless you appeal the decision, the IRS will start garnishing your wages, resulting in economic hardship.

Wage garnishments are initiated when the IRS notifies your employer of your wage garnishment. To repay the IRS, your employer must take a designated portion of your paycheck.

IRS Wage Garnishment Table

The IRS doesn’t have the right to take your entire paycheck. In Oklahoma, the garnishment amount is limited to 25% of your disposable earnings in a week, after mandatory deductions, or the amount that your disposable earnings exceed about 30 times the federal minimum hourly wage, under tax law 15 U.S. Code § 1673.

IRS Wage Garnishment Help


Stopping IRS levy and understanding your financial and tax situation better is accomplishable through an appeal. By working with a tax attorney, you will better understand federal tax lien and tax liability and stop the IRS wage garnishment. You shouldn’t avoid asking for help from tax professionals if you feel that your tax debts aren’t justified.

At Hutton Tax Solutions, we believe that the foundation of any successful appeal is an excellent attorney-client relationship. For a free consultation on your wage garnishment case, please contact us at (405) 494-2848.