A fantastic experience
Working with Luke at Choice Tax service has been a fantastic experience. His commitment to clear communication is what truly sets him apart. I was always impressed by his responsiveness to my questions.
CarlaWage Garnishment Release
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What is a wage garnishment release?
An IRS wage garnishment, formally called a wage levy, allows the IRS to require your employer to withhold a significant portion of each paycheck and send it directly to the IRS to satisfy unpaid tax debt. Unlike a bank levy, a wage garnishment is continuous, applying to every paycheck until it's released or the debt is paid in full. A wage garnishment release is a formal action to stop this ongoing withholding, either by proving financial hardship, correcting a procedural error, or resolving the underlying tax debt through an approved arrangement with the IRS.
Choice Tax Relief contacts the IRS immediately to request a garnishment release and works to get it processed with your employer as quickly as possible, since every pay cycle the garnishment remains active means less money in your pocket. We review your case, verify your compliance status, and negotiate directly with the IRS. If a full release isn't the right immediate step, we also put a longer-term resolution in place, such as an installment agreement, offer in compromise, or currently-not-collectible status, so future paychecks stay protected.
Who Qualifies for a Wage Garnishment Release?
You may qualify for a wage garnishment release if:
- The garnishment is causing significant economic hardship, leaving you unable to cover basic living expenses.
- The garnishment was issued in error or without proper prior notice from the IRS.
- You have entered into, or qualify for, an installment agreement with the IRS.
- You are currently in bankruptcy proceedings, which may halt collection activity.
- You qualify for currently-not-collectible status due to an inability to pay.
- You have filed all legally required tax returns, or are prepared to file them immediately.
- The collection statute of limitations on your tax debt has expired or is close to expiring.
- Releasing the garnishment would allow you to pay necessary expenses, such as supporting dependents.
Meeting these general conditions does not guarantee the IRS will release your wage garnishment. The IRS reviews your full financial picture, compliance history, and the circumstances of the garnishment before making a decision. Because a wage garnishment applies to every paycheck until it's stopped, prompt professional representation can make the difference between one reduced paycheck and months of lost income.
How Our Process Works
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Review the Garnishment and Your Paycheck Impact
We review the garnishment notice, calculate exactly how much of your paycheck is being withheld, and pull your IRS account transcripts to determine the fastest path to a release.
2
Submit Your Financial Disclosure
We prepare and submit the financial documentation the IRS requires to evaluate a hardship claim or alternative resolution, and we contact the IRS directly to request a release.
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Secure the Release and Protect Future Paychecks
We work to get the release processed with your employer as quickly as possible and put a longer-term resolution in place, such as an installment agreement, so your wages stay protected going forward.
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The Best Tax Relief Attorney & CPA In the Business
Logan and Greg lead a team of experienced tax professionals and support staff to achieve the best possible outcomes for Choice Tax Relief's clients.
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Not the "money up front" approach
I interacted with 4 other providers before finding Choice Tax Relief. All the others were offering a "let's get your money up front, then see how this all plays out for you" approach.
Robert
Can't say enough good things
I can't say enough good things about Choice Tax Relief! A special thank-you to Nathan and Luke for their help and professionalism throughout the entire process.
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Stellar company and staff
I highly recommend Choice Tax Relief. Tim & Luke were amazing and professional in getting my taxes done and turned in for multiple years. I will be using them for all my tax filings now and in the future. Stellar company and staff!
JackieWage Garnishment Release FAQ's
An IRS wage garnishment (also called a wage levy) requires your employer to withhold a portion of each paycheck and send it directly to the IRS to satisfy unpaid tax debt. It continues with every paycheck until released.
The IRS uses a formula based on your filing status and number of dependents to determine an exempt amount you keep; the rest of your wages above that exempt amount can be garnished, which is often a large percentage of take-home pay.
The IRS generally must send a Final Notice of Intent to Levy and Notice of Your Right to a Hearing at least 30 days before garnishing your wages.
A wage garnishment continues indefinitely, applying to every paycheck, until the IRS releases it, the tax debt is paid in full, or the collection statute of limitations expires.
Yes. A garnishment can be released if you demonstrate financial hardship, enter into an installment agreement, qualify for currently-not-collectible status, or resolve the underlying debt.
Once retained, we typically contact the IRS right away to request a release; processing time with your employer's payroll department can still take one or more pay cycles depending on their procedures.
Yes. The IRS sends the garnishment notice directly to your employer, who is legally required to comply, though the notice does not detail the reason for the underlying tax debt.
Federal law generally protects employees from termination due to a single wage garnishment for one debt, though this protection may not extend to multiple garnishments from different debts.
Generally yes. The IRS typically requires that you have filed all legally required returns, or are prepared to file them immediately, before agreeing to a release.
No. A release stops the ongoing withholding, but the underlying tax debt remains until resolved through an installment agreement, offer in compromise, currently-not-collectible status, or full payment.
The IRS can't garnish 1099 income the same way as W-2 wages, but it can levy bank accounts holding self-employment income and can place liens on business assets and receivables.
The IRS can issue a garnishment against wages from any employer, and multiple simultaneous garnishments across jobs are possible if the IRS is aware of each source of income.
If left unaddressed, the garnishment continues indefinitely and the IRS may pursue additional collection actions, including bank levies, until the underlying tax debt is resolved.
Other Tax Relief Services
Installment Agreement Negotiation
Need more time to pay? We negotiate an installment agreement with the IRS calculated for an affordable, sustainable monthly payment based on your financial circumstances.
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Currently Not Collectible Status
If paying the IRS would prevent you from meeting necessary living expenses, the IRS may temporarily suspend active collection. We prepare and present the financial case required to demonstrate hardship.
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IRS Levy Release
A bank levy or wage levy can create an immediate financial crisis. We communicate with the IRS, evaluate available collection alternatives, and work to obtain a levy release when the facts support one.
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Penalty Abatement
IRS penalties can substantially increase a tax balance. We determine whether you may qualify for relief based on compliance history, reasonable cause, or another applicable IRS procedure.
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Tax Relief
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