Wage Garnishment
What is a Wage Garnishment?

An IRS wage garnishment is when the IRS starts to withhold up to 75% of your pay until your debt is paid off.

It refers to a legal procedure that directs a third party to withdraw money out of a debtor’s paycheck or bank account on their behalf.

The third party, sometimes referred to as the garnishee, is frequently the debtor’s employer. Employers are not permitted by federal law to terminate a worker in order to avoid processing a garnishment payment.

For debts including unpaid taxes, cash penalties, child support obligations, and unpaid student loans, garnishments are implemented.

How a Wage Garnishment Works

In order to garnish a debtor’s wages, a creditor often has to acquire a court order establishing that the debtor owes money and has missed payments. A court order is not necessary if the debt is an IRS levy.

For instance, the IRS may use wage garnishment if John Doe owes $15,000 in unpaid taxes.

The IRS would then provide instructions to Doe’s employer to withhold a percentage of Doe’s wages for a certain period of time until his tax debt is fully satisfied.

Garnishments can lower a person’s credit score since they are typically used as a last option to collect debts and reveal a debtor’s poor repayment history.

What to Do About a Wage Garnishment

Understanding the circumstances in which the IRS can go forward in taking a portion of your salary may help you to prepare for the garnishments or allow you to challenge and stop it.

Although you have some rights during the wage garnishment procedure, it is often your responsibility to know about and make use of these rights.

  • You have to be legally notified of the garnishment.
  • If the notice contains incorrect information or you feel you do not owe the debt, you may dispute it.
  • If the notice contains incorrect information or you feel you do not owe the debt, you may dispute it.
  • Some types of income, like Social Security and veterans’ benefits, are not considered income and are not subject to garnishment. However, if they are in your bank account, they can be liable to seizure.
  • If you have one wage garnishment, you cannot be terminated by your employer; but, if you have more than one, you will no longer be protected.

You can contest the garnishment if you think the judgment was rendered incorrectly or if you think it is adversely affecting your finances.

The best way to resolve this is through a wage garnishment release that we can negotiate with the IRS for you. Don’t wait for the IRS to start taking what you worked hard for. Let us handle it for you.

How to Stop an IRS Wage Garnishment

Read the ruling carefully first to ensure that all of the details are correct. Verify that the debt is indeed yours and that it is not something you have already paid. If so, think about the amount that will be taken and the impact it will have on your finances.

Next, decide what to do. To decide what’s best for you, you could speak with a tax relief firm like us to represent you.

In order to stop a wage garnishment, you have three main options:

  1. You can set up a payment plan
  2. You can pay in full
  3. You can apply for an offer in compromise

What’s really important is that you’re responsive to the IRS when they’re sending you letters, because normally a wage garnishment happens when an IRS revenue officer is assigned to your case and you’re not being responsive to him.

You’re not working for her, and you’re not working with them and giving them options to resolve your IRS issues. So it’s really important that you reach out that you have a plan of attack and that you give them either a payment plan offering compromise or different payment options.

Find Relief Today!

If you get a notice from the IRS indicating that a wage garnishment is coming, please call us right away so that the best course of action can be decided and strategized.

We have the knowledge and experience to handle wage garnishments. We can walk you through the entire process to take the worry out of it and make it go as easily as possible. Please do not hesitate to contact us.

Contact JLD Tax Resolution Group NOW and resolve your IRS issues. Sleep better at night knowing you have an expert tax resolution expert handling your case.

What are you waiting for?
Get your taxes resolved.Minus the headaches.
You’ve got nothing to lose. Get in touch with us to unload some of your worry.