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Wage Garnishment Removal

One of the Internal Revenue Service’s (IRS) primary collection tactics is the wage garnishment. The IRS will garnish your wages (seize) where you have been accessed a tax and have failed to make payment arrangements with the IRS. Wage garnishments can have a devasting impact on your life.

First, a wage garnishment can be highly embarrassing. The IRS will send a notice to your employer directing him or her to withhold and send money to the IRS each pay period. Secondly, a significant amount of money can be withheld from your paycheck each pay period until the tax debt is paid in full. In addition, the IRS can potentially seize all of your bonuses and commissions.

1. How Much of My Paycheck Can the IRS Garnish?

While the IRS cannot take all of your paycheck, they can take a substantial sum. Federal law exempts certain amounts from garnishment. The amounts of those exemptions are covered by IRS Publication 1494. Publication 1494 provides a table used to calculate exemptions from garnishment. The amounts of the exemptions vary depending on your pay period, your marital status and how many dependents you have. For instance, a single taxpayer that is paid weekly and has three dependents can claim exemptions up to $476.93. As you can see, depending on your income, a wage garnishment can leave you with without sufficient income to meet your living expenses.

Receiving CNC status will suspend all collection action, giving the taxpayer much needed breathing room. Moreover, it is possible to petition the IRS for refunds of previously levied funds.

Please note that CNC status is not a permanent solution, the taxpayer will still owe the debt.

2. How to Stop an IRS Wage Garnishment

Fortunately, the IRS will not garnish your wages without providing you with adequate notice. Once taxes have been accessed you will be served with a Demand for Payment. If you fail to make payment arrangements, you will then receive a Final Notice of Intent to Levy. It is important to be proactive during this process. The best alternative is to reach an agreement with the IRS prior to your wages being garnished. However, if a wage garnishment has already been issued it is possible to have it removed. Options to remove or stop an IRS wage garnishment include, but are not limited to:

  • Pay the outstanding tax debt
  • Enter into an installment agreement for repayment of the tax debt
  • Settle with the IRS for a fraction of the total debt owed
  • Obtain a deferment based on financial hardship

There are also some solutions that will provide very limited short-term relief, such as: changing your employer, quitting your job or even filing for bankruptcy.

Tax Relief Network has successfully helped our clients to stop IRS wage garnishments and to regain financial stability. We understand how stressful wage garnishments can be and are here to help you navigate this difficult process. We are standing by to take your call today!

3. The Taxpayer Roadmap

This illustration of the modern US tax system at a very high level view shows the processes to get answers to your questions from filing to litigation. This illustration provided by the tax payers advocate service shows the complexity of the stages required to get answers to solve your tax issues. If you would like some help navigating through this process we are the experts you need to have on your side! Please contact us at 800-TAX-4200 to speak with one of our team specialist for a no cost or obligation review.

Wage Garnishment Removal

One of the Internal Revenue Service’s (IRS) primary collection tactics is the wage garnishment. The IRS will garnish your wages (seize) where you have been accessed a tax and have failed to make payment arrangements with the IRS. Wage garnishments can have a devasting impact on your life.

First, a wage garnishment can be highly embarrassing. The IRS will send a notice to your employer directing him or her to withhold and send money to the IRS each pay period. Secondly, a significant amount of money can be withheld from your paycheck each pay period until the tax debt is paid in full. In addition, the IRS can potentially seize all of your bonuses and commissions.

1. How Much of My Paycheck Can the IRS Garnish?

While the IRS cannot take all of your paycheck, they can take a substantial sum. Federal law exempts certain amounts from garnishment. The amounts of those exemptions are covered by IRS Publication 1494. Publication 1494 provides a table used to calculate exemptions from garnishment. The amounts of the exemptions vary depending on your pay period, your marital status and how many dependents you have. For instance, a single taxpayer that is paid weekly and has three dependents can claim exemptions up to $476.93. As you can see, depending on your income, a wage garnishment can leave you with without sufficient income to meet your living expenses.

Receiving CNC status will suspend all collection action, giving the taxpayer much needed breathing room. Moreover, it is possible to petition the IRS for refunds of previously levied funds.

Please note that CNC status is not a permanent solution, the taxpayer will still owe the debt.

2. How to Stop an IRS Wage Garnishment

Fortunately, the IRS will not garnish your wages without providing you with adequate notice. Once taxes have been accessed you will be served with a Demand for Payment. If you fail to make payment arrangements, you will then receive a Final Notice of Intent to Levy. It is important to be proactive during this process. The best alternative is to reach an agreement with the IRS prior to your wages being garnished. However, if a wage garnishment has already been issued it is possible to have it removed. Options to remove or stop an IRS wage garnishment include, but are not limited to:

  • Pay the outstanding tax debt
  • Enter into an installment agreement for repayment of the tax debt
  • Settle with the IRS for a fraction of the total debt owed
  • Obtain a deferment based on financial hardship

There are also some solutions that will provide very limited short-term relief, such as: changing your employer, quitting your job or even filing for bankruptcy.

Tax Relief Network has successfully helped our clients to stop IRS wage garnishments and to regain financial stability. We understand how stressful wage garnishments can be and are here to help you navigate this difficult process. We are standing by to take your call today!

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