How to Stop IRS Wage Garnishment Fast (Even If You Can’t Pay Right Now)

Rona Law Firm
Jul 14
2 min read

🚨 Facing Wage Garnishment? Here’s What You Need to Know

If you just found out the IRS is garnishing your wages, you’re probably feeling stressed and overwhelmed. But there’s good news—you have options.

📌 Why Is the IRS Garnishing Your Wages?

IRS wage garnishment happens when the IRS takes a portion of your paycheck to collect unpaid taxes. It typically occurs after multiple warning letters—like Notices CP14, CP504, or LT11—go unanswered.

Once those notices are ignored, the IRS doesn’t need a court order to start garnishing your wages. They can take a large percentage of your paycheck—often leaving you without enough to cover rent, groceries, or child care.

☎️ Step 1: Contact the IRS (Or Let a Tax Attorney Do It for You)

You can call the IRS directly at 1-800-829-7650. But many of my clients find that process intimidating and stressful—especially after long hold times or confusing paperwork.

Instead, as your representative, I can:

Immediately request a hold on collections activity
Negotiate directly with the IRS on your behalf
Prevent further garnishment or bank levies

✅ Step 2: Choose the Best Option to Stop IRS Wage Garnishment

There are multiple legal ways to stop garnishment. The right one depends on your financial situation and how much you owe.

🔹 Set Up an Installment Agreement

This is a monthly payment plan with the IRS. Once approved, garnishment usually stops.

🔹 Apply for Currently Not Collectible (CNC) Status

If you’re struggling financially, the IRS may agree to pause collections altogether—no payments required.

🔹 Submit an Offer in Compromise

This allows you to settle your debt for less than you owe—but you must meet strict eligibility criteria.

🔹 Appeal the Levy

If the IRS didn’t follow proper procedures or made a mistake, you may be able to stop the garnishment immediately through an appeal.

💡 Step 3: Act Quickly—Time Matters

Wage garnishment doesn’t stop on its own. The longer you wait, the more of your paycheck the IRS will take. If you act now, you may be able to stop the garnishment before your next payday.