If you’ve received an IRS notice warning of wage garnishment—or your paycheck has already been hit—take a deep breath. You still have options, but time is critical.

At Polaris Tax & Accounting, based in Plantation, FL, we help Florida residents stop IRS wage garnishment, negotiate with the IRS, and protect their income.

What Is IRS Wage Garnishment?

Wage garnishment is when the IRS notifies your employer to withhold part of your paycheck to pay your back taxes. Unlike private creditors, the IRS doesn’t need a court order to garnish wages.

They’ll send you a Final Notice of Intent to Levy (Letter LT11 or CP504) first. If you don’t respond within 30 days, garnishment begins.

How Much Can the IRS Take From Your Paycheck?

The IRS uses a table based on your filing status and number of dependents. It can leave you with as little as $400–$1,200 per pay period. The rest is redirected to your tax balance.

Florida has no state income tax, but that doesn’t shield you from federal garnishment. And Florida employers must legally comply with IRS levy orders.

How to Stop IRS Wage Garnishment

1. Respond to the IRS Immediately
Call or submit a resolution plan within the 30-day window from your final notice.

2. File Any Missing Tax Returns
The IRS won’t negotiate unless all past-due returns are filed.

3. Apply for a Resolution Plan:

4. Request a Collection Due Process (CDP) Hearing
This can temporarily pause the garnishment while your case is reviewed.

Why Work With Polaris?

  • We help you avoid calling the IRS alone or saying the wrong thing
  • We immediately contact the IRS to stop or pause garnishment
  • We review your income, assets, and tax situation to propose the best resolution
  • We represent clients across Florida and understand local business and income dynamics

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Final Thoughts

IRS wage garnishment is stressful and financially damaging—but it’s not permanent. With fast, professional help, you can stop the garnishment, protect your paycheck, and move toward tax resolution.