If the IRS is garnishing your wages, you’re already past multiple warnings—and now your paycheck is being reduced without your consent.
But even at this stage, you have options.
At Polaris Tax & Accounting in Plantation, FL, we help individuals stop IRS wage garnishments fast, negotiate payment plans, and even eliminate portions of the debt with an Offer in Compromise or hardship claim.
What Is IRS Wage Garnishment?
IRS wage garnishment (also called a wage levy) is a legal seizure of part of your paycheck. Unlike other creditors, the IRS doesn’t need a court order. Once the IRS issues a Final Notice of Intent to Levy and you don’t respond within 30 days, they can start taking money directly from your employer.
How Much Can the IRS Take From Your Paycheck?
The IRS uses Publication 1494 to determine how much of your paycheck is “exempt”—meaning how much you’re allowed to keep based on your:
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Filing status
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Number of dependents
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Pay frequency (weekly, biweekly, etc.)
Everything above the exempt amount is sent to the IRS. For many taxpayers, this leaves them with barely enough to survive.
How Do You Know a Wage Garnishment Is Coming?
Before garnishing wages, the IRS typically sends:
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CP14 – Balance due notice
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CP504 – Final Notice of Intent to Levy State Refund
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LT11 or Letter 1058 – Final Notice of Intent to Levy and Right to a Hearing
If you received an LT11 or 1058 and did nothing, the IRS may have already notified your employer to begin wage garnishment.
5 Ways to Stop IRS Wage Garnishment (Even If It’s Already Started)
1. Set Up an Installment Agreement
The most common option: negotiate a monthly payment plan. Once accepted, the IRS will release the garnishment.
➡️ Explore IRS Payment Plan Options
2. Apply for Currently Not Collectible (CNC) Status
If you can show financial hardship, the IRS may pause all collections, including wage garnishment.
3. Submit an Offer in Compromise
You may qualify to settle your tax debt for less than you owe, and garnishment will stop once the offer is under IRS review.
➡️ See If You Qualify for an OIC
4. File a Collection Due Process (CDP) Appeal
If the IRS issued the final notice recently, you may still be within the 30-day window to file an appeal and stop garnishment immediately.
5. Request a Garnishment Release Due to Hardship
Even after a garnishment starts, if it causes undue hardship (e.g., eviction risk, inability to buy food), we can request a levy release.
What Happens If You Do Nothing?
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The IRS will keep garnishing wages until the debt is paid or you reach the collection statute expiration (usually 10 years).
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You’ll likely accrue interest and penalties during that time.
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Additional assets (bank accounts, Social Security) could be levied.
Why Polaris Is Different From National “Tax Relief” Companies
We’re not a 1-800 number. We’re real, licensed tax professionals based here in South Florida. When you work with Polaris, you get:
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Direct communication with a licensed EA or CPA
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IRS transcripts pulled before we act
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Personalized resolution strategy—not a one-size-fits-all form
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Fast communication with the IRS to stop levies immediately
Local Wage Garnishment Help — Right Here in Plantation, FL
We help Plantation residents—and clients across Sunrise, Tamarac, and all of Broward County—respond to IRS collection actions fast.
📍 150 S Pine Island Rd, Suite 300, Plantation, FL 33324
📅 Schedule a Confidential Consultation
Real Client Story: IRS Garnishment Stopped in 72 Hours
“The IRS started taking $650 from every paycheck. Polaris got on the phone with the IRS, negotiated a payment plan, and stopped the garnishment within three days. I finally felt like I could breathe again.” — D.M., Sunrise FL
Don’t Wait — Take Back Your Paycheck
The longer you wait, the more damage garnishment can do to your finances and your peace of mind. The IRS already has the upper hand—but Polaris can shift the balance back in your favor.
Let us help you stop the garnishment, negotiate smarter terms, and rebuild your financial future.
👉 Get IRS Wage Garnishment Help Now