Few things are more stressful than discovering the IRS is taking money directly from your paycheck. IRS wage garnishmentis one of the most aggressive collection tools the government uses—and they don’t need a court order to do it.
If you’ve received a Notice of Intent to Levyor your wages are already being garnished, it’s time to speak with an experienced tax attorney. At COTTS Law, we help clients stop garnishments, resolve back taxes, and protect their income.
What Is IRS Wage Garnishment?
IRS wage garnishment is when the government instructs your employer to withhold a portion of your paycheck to satisfy a tax debt. It typically follows a series of ignored notices, culminating in a Final Notice of Intent to Levy.
Once the garnishment is active:
- Your employer must comply.
- You receive only a fraction of your wages.
- The garnishment continues until your tax debt (plus interest and penalties) is fully paid—or resolved through legal means.
How Much Can the IRS Take?
Unlike private creditors, the IRS can garnish much more of your income, leaving you with just enough for minimal living expenses. In many cases, individuals lose up to 70% of their paycheck.
Why Is This Happening?
Wage garnishment usually occurs when:
- You owe back taxes and failed to respond to IRS notices.
- Required returns have not been filed.
- No resolution or payment plan has been established.
How to Stop It — Legally and Effectively
Here’s how COTTS Lawhelps clients end wage garnishment and restore financial stability:
📄 Ensure All Returns Are Filed
The IRS won’t work with taxpayers who have unfiled returns. We help clients get compliant, even when records are missing or incomplete.
🤝 Negotiate a Resolution
We pursue the most favorable path forward, whether it’s an Installment Agreement, Offer in Compromise, or Currently Not Collectiblestatus.
🛑 Request Immediate Garnishment Release
If the garnishment is causing economic hardship, we’ll work to get it lifted or adjusted right away.
Why Choose COTTS Law?
With a deep understanding of both federal tax law and IRS procedures, Attorney Daniel Cottsadvocates aggressively on behalf of his clients. We’ve helped individuals across the country:
- Stop wage garnishments
- Resolve significant tax debt
- Protect income and assets
- Avoid further enforcement actions
Take Control Before the IRS Does
If the IRS is garnishing your wages, the sooner you act, the more options you have. At COTTS Law, we’re here to help you put a stop to the garnishment and find a lasting solution to your tax problem.
📞 Call Attorney Daniel Cotts todayto schedule a confidential consultation.
