How To Stop IRS Wage Garnishment

Here are some common and effective strategies to stop the IRS from garnishing your wages:

🛑 1. Contact the IRS Immediately

The sooner you contact the IRS, the more options you have. Wage garnishment often happens after repeated attempts to collect unpaid taxes, so opening communication can lead to better outcomes.

📝 2. Set Up a Payment Plan

Request an Installment Agreement:

Spread your tax debt over monthly payments.
Avoid further garnishments once approved.
Must stay current on future taxes and payments.

⚖️ 3. Submit an Offer in Compromise (OIC)

If you’re struggling financially, you may qualify to settle your tax debt for less than the full amount owed.

Must prove financial hardship.
Takes time to process but can remove garnishment once accepted.

📄 4. Apply for Currently Not Collectible (CNC) Status

If you can’t afford to pay your basic living expenses and taxes:

The IRS may pause collections (including garnishments).
Debt remains, but enforcement actions stop temporarily.

💼 5. File for Bankruptcy

Chapter 7 or Chapter 13 bankruptcy may eliminate or reduce tax debts.
Stops wage garnishment through an automatic stay.
Not all tax debts are dischargeable, so speak with a bankruptcy attorney.

👩‍⚖️ 6. Request a Collection Due Process (CDP) Hearing

If you recently received a Final Notice of Intent to Levy, you have 30 days to request a hearing.
At the hearing, you can dispute the debt or propose alternatives.

📞 7. Work with a Tax Professional

Tax attorneys, CPAs, or enrolled agents can:

Negotiate with the IRS on your behalf.
Help you choose the best resolution strategy.
Ensure your rights are protected.

Tax Settlement in Mesa, Arizona

If you need IRS Debt Help, Tax Debt Settlements or Tax Debt Advising in Phoenix, Mesa or anywhere else, Tax Debt Advisors can help! Give us a call at 480-926-9300 or fill out our contact form for a free consultation.