Garnishment and Levy Help
Your paycheck should pay your bills — not the IRS first.
If the IRS is taking your paycheck or bank funds, time matters. We help you take the steps that can get a levy released, starting with getting your returns filed and a payment plan in place.
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The situation
A wage garnishment (the IRS calls it a wage levy) is one of the most painful collection tools the IRS has. Your employer is legally required to send a large share of every paycheck straight to the IRS, and it keeps happening, check after check, until the levy is released.
A wage levy is usually a sign that communication broke down, not that you're out of options. Once the IRS sees a real plan — current filings, accurate financials, and a proper request — a levy can often be released and replaced with something you can actually live with.
Does this sound familiar?
- Your employer handed you an IRS Notice of Levy on Wages
- You received a Final Notice of Intent to Levy (LT11 or Letter 1058)
- Your take-home pay suddenly dropped with no warning
- You're choosing between rent, groceries, and the IRS
What you should know
Understanding garnishment and levy help.
How a wage levy works
The IRS only exempts a small amount of your pay based on your filing status and dependents. Everything above that amount can be sent to the IRS. Unlike a one-time bank levy, a wage levy is continuous — it stays in place until it's released or the debt is paid.
Why it can be released
The IRS can release a levy when you enter an installment agreement, when the levy creates an economic hardship, when the account is placed in Currently Not Collectible status, or when another resolution is in place. The key is presenting your case accurately and quickly.
Why speed matters
Every pay period that passes is money you don't get back. The sooner your case is in front of the IRS with a complete financial picture, the sooner you can stop the bleeding.
How we deliver
Your path, step by step.
- 1
Free confidential review
We talk through your notices, your pay stubs, and what you owe. You'll leave the call knowing where you stand.
- 2
Authorization & transcript pull
With your permission, we request your IRS account transcripts so we're working from the IRS's own records — not guesses.
- 3
Financial picture & compliance
We document your income and necessary living expenses and identify any missing returns that must be filed before the IRS will deal.
- 4
Release request & resolution
We prepare the levy release request and walk you through submitting it, and put the right long-term resolution in place.
- 5
Follow-through
We confirm the release reaches your employer and keep watching your account so it stays resolved.
What you receive
Delivered to you.
- A plain-language summary of your IRS account
- A documented financial statement prepared for the IRS
- Step-by-step guidance on every IRS form and response
- A resolution plan that fits your real budget
If you wait
- —More of every paycheck goes to the IRS
- —Penalties and interest keep growing
- —Other levies can follow — bank accounts, receivables
- —The stress follows you to work every day
After it's resolved
- Your full paycheck comes home again
- One predictable plan instead of surprise deductions
- No more awkward conversations with payroll
- Breathing room to rebuild
Questions
Common questions.
+Can a wage garnishment be stopped once it has started?
Often, yes. The IRS can release a wage levy once an acceptable resolution is in place or when it causes economic hardship. Each case is different, and your free review will tell you which path fits.
+Will my employer know the details of my tax situation?
Your employer only sees the levy notice and the release. We communicate with the IRS directly, so the details of your case stay between you and us.
+Do I need to file missing returns first?
In most cases the IRS requires recent returns to be filed before it will agree to a resolution. If you have unfiled years, we handle those as part of the plan.
Every situation is different. Results depend on your individual facts and IRS or state agency decisions; no specific outcome is guaranteed.
Free Review · Garnishment and Levy Help
Know your options today.
Call 843-534-1347 for a confidential conversation about your garnishment and levy help situation. No obligation, no judgment.