Getting a smaller paycheck because the IRS is taking money directly from it can feel scary and frustrating. But it’s important to know that you still have options — and the sooner you act, the better your outcome will be.
What an IRS Wage Garnishment Means
A wage garnishment (also called a levy) happens when the IRS orders your employer to send part of your paycheck to them each pay period. They typically do this after sending multiple letters, including a Final Notice of Intent to Levy. If you don’t respond within 30 days, the garnishment begins.
The IRS takes as much as the law allows, often leaving just enough to cover basic living expenses.
Ways to Stop Wage Garnishment
You can stop a garnishment and protect your income by:
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Setting up an Installment Agreement to make manageable monthly payments.
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Requesting Hardship Status (Currently Not Collectible) if you can’t afford payments.
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Submitting an Offer in Compromise to settle your debt for less than you owe.
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Appealing the Garnishment if the IRS made a mistake or didn’t follow procedure.
Why Working with a Professional Helps
At ONeill Tax Resolution in Prescott, we help Arizona taxpayers take fast, effective action against IRS collections. Patti and her team handle the calls, the paperwork, and the negotiations — so you can focus on getting your financial life back on track.
