If you’ve received a notice that the IRS is garnishing your wages, it probably feels like your financial world is closing in. The IRS doesn’t need a court order to take part of your paycheck—and once it starts, the garnishment won’t stop until the debt is paid, or you take action.
As a tax resolution expert, Patti O’Neillhelps people just like you fight back against wage garnishment and reclaim control of their income.
What Is IRS Wage Garnishment?
IRS wage garnishment is when the IRS legally takes a portion of your paycheck directly from your employer to cover unpaid taxes. This happens after multiple warning noticesand generally starts with a Final Notice of Intent to Levy(Letter 1058 or LT11).
Once the garnishment starts:
- Your employer is legally requiredto send part of your wages to the IRS.
- You’ll receive less take-home pay, often leaving little for basic living expenses.
- The garnishment continues until the debt is resolved—including penalties and interest.
Why Is the IRS Garnishing Your Wages?
Wage garnishment typically happens because:
- You have unpaid back taxesand didn’t respond to IRS notices.
- You ignored previous IRS lettersor missed filing deadlines.
- You didn’t set up a payment planor other resolution option.
How Much Can the IRS Take?
Unlike typical creditors, the IRS doesn’t follow state wage garnishment limits. Instead, it uses a federal exemption table based on your filing status and number of dependents. In many cases, up to 70–80%of your paycheck could be taken—leaving you with barely enough to live on.
Can You Stop IRS Wage Garnishment?
Yes—but timing is critical. The faster you act, the more options you’ll have. Here’s how I help clients stop wage garnishments:
✓ File Missing Tax Returns
The IRS won’t negotiate until all required returns are filed. I help you quickly get caught up—even if you’re missing records.
✓ Set Up a Payment Agreement
You may qualify for an Installment Agreement, Currently Not Collectible status, or even an Offer in Compromiseto settle for less than you owe.
✓ Request a Release
If the garnishment is creating a financial hardship, I can negotiate with the IRS to get it lifted or reduced.
Why Work with Patti O’Neill?
As a seasoned tax resolution expert, I specialize in:
- Wage garnishment release and negotiation
- Stopping IRS levies and liens
- Navigating tax debts of $10,000 or more
- Advocating directly with the IRS on your behalf
You don’t have to face this alone. I’ve helped countless clients get garnishments stopped and build a path back to financial stability.
Don’t Let the IRS Control Your Paycheck
IRS wage garnishment can feel overwhelming—but it’s fixable with the right help. If you’re ready to stop the garnishment and explore your options, reach out today for a confidential consultation.
📞 Call Patti O’Neill Now for Relief You Can Trust
Let’s stop the garnishment and take your next steps toward resolution. Your income—and your peace of mind—are too important to wait.
