Ways & How

how to stop IRS wage garnishment

how to stop IRS wage garnishment

An IRS wage garnishment refers to the legal deduction of an amount of money from your salary due to unpaid IRS taxes. This kind of garnishment doesn’t come as a surprise since the IRS will only effect the writ after repeated demands pertaining to the taxes owed. It is crucial to understand how the IRS operates, so you will know what to do to avoid the effects of wage garnishment. In this article, let us find out how to stop IRS wage garnishment in a way that won't violate any provision of law. When you fail to pay your taxes, the IRS will contact your employer and inform them that a portion of your salary would be subjected to a garnishment order. Your employer needs to comply by garnishing the ordered amount and remitting the same to the IRS. If your employer fails to garnish your salary as ordered, they will be liable for the amount not levied. The extent of IRS garnishment includes salaries, wages, commissions, bonuses, pension earnings, and retirement benefits. There are a number of ways to stop a wage levy. The approach you will use should be correlated to your financial situation and tax obligations.

Observe the tips below.

  1. Pay your tax obligation. This is a very obvious method to negate a wage garnishment. You should consider paying the IRS in full, rather than letting them take a portion of your wage. You can try borrowing money from your family, relatives, and close friends. Talk to them and ask for better terms of repayment. At least with them, you won’t likely be penalized in the event you default payment one, twice, or thrice.

  2. Offer to pay on an installment basis. Make a proposal to the IRS that you will pay your tax obligations little by little. The IRS may modify, amend, or alter your offer and eventually accept the same. You may be required to pay your dues on a monthly installment until the whole amount is covered. After 3 years or less, you should be able to pay off everything to the IRS.

  3. Offer a compromise. This is a method that will allow you to settle your tax dues lower than the actual unpaid amount. Not everyone can qualify for this program since the IRS is very selective, especially when there are a number of taxpayers offering a compromise. If you think this a good alternative to avoid wage levy, it is recommended that you consult an offer-in-compromise expert to determine whether you qualify or not. By the time you are able to file your compromise offer, the IRS will then review the propriety and merits of the same.

  4. Engage the services of a wage levy professional. It is highly recommended that you seek help to avoid wage levy. A tax expert can immediately analyze the status of your finances, and eventually find a solution appropriate to your case. You might be surprised to know that the IRS people prefer to work with tax professionals since they can easily understand each other. The IRS is likely to give a favorable deal to the professional you've hired.

  5. Change of employer. This is a matter of buying time. Once you have another employer, the IRS cannot seize any income in the meantime. The IRS people will spend some more time tracking down your new employer in order to effect the wage garnishment.

The IRS can levy as much as 25% or more of your disposable net income. The IRS is not concerned if the wage garnishment leaves you unable to cover your other expenses, such as bills, rent, etc. In fact, they will levy as much as they can. The garnishment will remain until the IRS has levied enough to satisfy your tax dues. Therefore, it is important that you know how to stop IRS wage garnishment; otherwise, the levy will severely affect your personal life, career, day to day expenses, and credit record.


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