Quick Answer: How the IRS Decides to Garnish Wages
The IRS garnishes wages after multiple notices go unanswered and the taxpayer remains noncompliant.
Garnishment is typically preceded by balance due notices, a CP504 warning, and a Final Notice of Intent to Levy.
Wage garnishment is not automatic, but it becomes likely when no resolution steps are taken.
How the IRS Decides to Garnish Wages in Florida
Wage garnishment is one of the most disruptive IRS enforcement tools.
Florida taxpayers are often surprised when garnishment begins, even though notices were sent months earlier.
Understanding how the IRS makes this decision helps prevent sudden income disruption.
The IRS Notice Path Before Garnishment
Wage garnishment does not occur without warning.
The IRS follows a predictable notice sequence.
- Initial balance due notices
- CP2000 or CP21A adjustments, when applicable
- CP504 notice
- Final Notice of Intent to Levy
This sequence is explained here:
IRS Notice Escalation Stages.
Why the IRS Chooses Wage Garnishment
The IRS typically garnishes wages when:
- The taxpayer has steady employment
- Other notices were ignored
- No payment arrangement exists
- The balance is considered collectible
Garnishment is seen as an efficient collection method for the IRS.
How Much the IRS Can Garnish
IRS wage garnishment differs from private creditor garnishment.
The IRS can take a significant portion of wages, leaving only a basic exempt amount.
This often creates immediate financial stress.
What Wage Garnishment Does Not Mean
Wage garnishment does not mean:
- You are out of options
- The balance is final or correct
- Garnishment cannot be stopped
In many cases, garnishment can be released with prompt action.
Ways Wage Garnishment Can Be Stopped
Garnishment may be stopped or released through:
- Entering a payment plan
- Filing missing tax returns
- Requesting hardship relief
- Resolving incorrect assessments
Filing compliance is discussed here:
Does Filing Missing Returns Stop IRS Enforcement?.
Why Timing Is Critical
Once a wage garnishment begins, delays reduce available options.
Acting before the Final Notice of Intent to Levy expires preserves leverage.
How Garnishment Ties Into Broader IRS Resolution
Wage garnishment is usually part of a larger enforcement picture involving unpaid balances and unresolved notices.
See the full resolution framework here:
Plantation IRS Resolution Services.
Serving Plantation, FL Taxpayers
Polaris Tax & Accounting is physically located in Plantation, Florida and assists local taxpayers facing wage garnishment and other IRS enforcement actions.
Local guidance matters when income is at risk.
When to Get Help With Wage Garnishment
If your wages are being garnished or enforcement notices are escalating, professional intervention can protect income and prevent further action.
Learn more here:
Plantation IRS Resolution Services.