IRS Wage Garnishment: What It Means and How to Stop It
An IRS wage garnishment is one of the most aggressive actions the government can take against a taxpayer. If part of your paycheck is being withheld, you still have legal rights — and effective remedies — to stop it.
What Is an IRS Wage Garnishment?
When a tax debt remains unpaid, the IRS may issue a Notice of Intent to Levy, giving you 30 days to respond. If you do not take action, the IRS can order your employer to send a portion of your wages directly to them every pay period until the balance is satisfied.
This often leaves taxpayers unable to meet essential living expenses. However, the IRS must follow specific legal procedures — and a tax attorney can challenge those steps when they’ve been mishandled.
Legal Options to Stop a Wage Garnishment
There are several lawful ways to end or avoid a garnishment:
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Installment Agreement: A negotiated payment plan pauses active enforcement.
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Offer in Compromise: Settle the debt for less than the full amount owed if eligibility is met.
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Currently Not Collectible (CNC) Status: Temporarily suspends all collection when you can prove hardship.
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Appeal or Due Process Hearing: Requests formal review if the levy was issued in error or prematurely.
Why Legal Representation Matters
The IRS is not obligated to explain every option to you — but a tax attorney is. At COTTS Law, we evaluate your case, communicate with the IRS on your behalf, and pursue immediate relief when possible.
If your paycheck is being garnished or you’ve received a levy notice, contact COTTS Law in Corpus Christi today. We’ll help protect your rights, your income, and your future.
