Understanding the LT11 Notice

An LT11 (also called “Letter 1058”) is the IRS’s final warning before seizing your assets. In Plantation, FL—where many residents rely on Social Security, part‐time seasonal work, or out‐of‐state rental income—receiving an LT11 means the IRS believes your tax liability is finalized. You generally have 30 days from the notice date to request a Collection Due Process (CDP) hearing. If you miss that window, the IRS can proceed with a levy on your bank accounts, wages, or other property without further notice.

How LT11 Follows CP504 in Plantation

Most LT11 notices arrive after the IRS sent a CP504 (“Notice of Intent to Levy”). A CP504 warns Plantation taxpayers—be it retirees living near Sawgrass Mills or snowbirds who split time between Florida and the Northeast—that a levy is imminent unless a Collection Appeals Program (CAP) request is filed. If you did not file a CAP in time or your CAP was denied, the IRS escalates to LT11. Before focusing entirely on LT11, make sure you understand CP504 and the limited steps you could have taken to halt that initial levy. If you haven’t yet addressed CP504, start with our Plantation FL CP504 Notice Help, then return here to preserve your CDP rights under LT11.

Confirming Your Notice Date and Local Deadline

Plantation residents often overlook that the 30-day period starts the day the LT11 is dated, not when it’s received. If your LT11 is dated July 1, for example, you have until July 31 to file a CDP request—even if the letter arrived several days later. Because many retirees and retirees‐to‐be rely on a June or July distribution from out‐of‐state rentals, any levy can wipe out critical funds. Make note of the notice date immediately, and begin gathering documents—proof of any 2024 rental payments, recent bank statements for your Plantation bank (e.g., Bank of America on Broward Boulevard), or your Social Security award letter—so you can act before time runs out.

Preparing Your CDP Request for Plantation Residents

Filing a CDP request entails completing the IRS form that indicates you’ve received an LT11 and want to appeal. In your request, explain succinctly why you are appealing—perhaps a snowbird spouse’s Form 1040‐ES payment wasn’t credited, or a Plantation landscaping contractor’s seasonal income dip makes full payment impossible. Include just the essential documentation—enough to show a genuine dispute or financial hardship without inundating the IRS with extraneous paperwork. Polaris Tax & Accounting knows exactly which documents Plantation taxpayers need—whether that’s proof of a Broward County property tax payment or a statement of Social Security benefits—to ensure your CDP request can’t be dismissed for missing information.

What to Expect at the IRS Appeals Conference

Once the IRS receives your CDP request, they must halt any levy actions until Appeals makes a determination. During the conference, you can dispute liability if you believe the IRS miscalculated rental income from your Fort Lauderdale investment property. Alternatively, you can challenge collectibility by showing that your monthly fixed living expenses—rent or mortgage near Plantation Central Mall, auto insurance for Broward County commuters, and utility costs—exceed your income. If you lack the means to pay the debt in full, you can propose an Offer in Compromise (OIC). Each path requires clear, timely, and well-organized information. If the Appeals officer finds your documentation incomplete or unconvincing, they may deny your request, and the levy process resumes.

Why Polaris Can Help Plantation Taxpayers

Navigating LT11 and CDP on your own in Plantation is tough. Polaris Tax & Accounting manages every detail for you. We track the 30-day CDP deadline so you never miss it. We review your unique Plantation circumstances—whether you live in a 55+ community near Broward Health North or run a small snowbird‐rental business—and identify exactly which documents to submit. Our team crafts your CDP request in the precise tone and format the IRS expects. If the IRS tries to resume a levy behind the scenes, we immediately employ escalation protocols—contacting IRS Practitioner Priority Service or engaging the Taxpayer Advocate—to protect your funds. And if an installment agreement or OIC is the best path, we prepare and submit all paperwork, negotiate terms on your behalf, and keep the IRS working in your favor so you never have to wrestle with IRS forms again.

Next Steps to Protect Your CDP Rights

To get started, send Polaris a copy of your LT11 notice and any recent IRS transcripts. In a free, no-obligation consultation or call us at (954) 423-3577 we’ll review your situation—whether you’re a retiree relying on Broward County HOA refunds or a seasonal hospitality worker—and explain exactly what must happen next. Then we prepare and file your CDP request, address any transcript discrepancies, and represent you throughout the Appeals process. That way, you can focus on life in Plantation—shopping at Sawgrass Mills or enjoying the local parks—without fearing an unexpected levy.