Wage Garnishment Assistance

IRS wage garnishment is a continuous and aggressive collection tool where the government forces your employer to withhold a significant portion of your income to pay back tax debt. Unlike other creditors, the IRS does not require a court order to begin this process, often leaving taxpayers with barely enough to cover basic living expenses. Relief is possible through proving financial hardship, establishing a formal installment agreement, or successfully filing a collection appeal. Our firm acts as your advocate, working directly with the IRS to stop the seizure, secure a Garnishment Release Letter, and implement a long-term solution to resolve your tax liability.

Stop the Forced Withholding and Reclaim Your Income

Discovering that a large portion of your paycheck has been diverted to the IRS before you even see it is a financial crisis. Unlike a one-time bank levy, IRS Wage Garnishment is a “continuous” levy. This means the IRS will continue to take a percentage of every single paycheck until your tax debt is paid in full, or until you take legal action to stop it.

If your employer has notified you of a garnishment, or if you have received a Final Notice of Intent to Levy, you need to act immediately. At Revenue Wolf Financial, we specialize in negotiating with the IRS to secure Garnishment Release Letters, allowing you to keep your hard-earned money while we resolve the underlying tax issue.

How Wage Garnishment Works

The IRS has extraordinary powers that regular creditors (like credit card companies or hospitals) do not. They do not need a court judgment to garnish your wages.

Forced Employer Compliance: The IRS sends Form 668-W to your employer. Your employer is legally required to withhold the funds; if they refuse, they become personally liable for your tax debt.
The “Continuous” Nature: Once started, the garnishment doesn’t stop. It applies to wages, salaries, commissions, and even bonuses until the debt, interest, and penalties are satisfied.
How Much Do They Take? The IRS doesn’t take everything, but they leave very little. They use a standard table (Publication 1494) based on your filing status and number of dependents to determine your “exempt” amount.

It’s worth noting that if you do not provide your employer with the necessary exemption information within three days of the notice, the IRS will default your status to “Married Filing Separately” with zero dependents, which usually results in the highest possible seizure.

The Path to Wage Garnishment Relief

Stopping a garnishment requires moving from a state of “non-compliance” to “compliance.” We help you navigate the following strategies to get your wages released:

1. Proving Financial Hardship

If the garnishment prevents you from paying for basic necessities like rent, utilities, or medical care, we can request a release based on Economic Hardship. This often involves placing your account in “Currently Not Collectible” status.

2. Setting Up a Payment Plan

The most common way to stop a garnishment is to enter into an Installment Agreement. Once the IRS accepts a formal plan to pay back the debt over time, they will typically issue a Form 668-D (Release of Levy) to your employer.

3. Filing an Appeal (Collection Due Process)

If you believe the IRS has made a procedural error, such as garnishing your wages after the Statute of Limitations has expired or while you are in bankruptcy, we can file an appeal using Form 9423 to halt the collection action.

4. Offer in Compromise (Settle for Less)

If you qualify, we can negotiate a settlement for a fraction of what you owe. Once the offer is accepted and the initial requirements are met, the garnishment is released.

Get in Touch

We’d love to hear from you. We’re here to answer your questions and listen to your suggestions.