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Can the IRS garnish my wages?

Asked 55 timesCategory: irs-debt

Yes, the IRS can garnish (levy) your wages if you have unpaid tax debt.

How IRS Wage Garnishment Works

The IRS can legally take a portion of your paycheck through a wage levy. Unlike other creditors, the IRS does not need a court order.

How Much Can They Take?

The amount exempt from levy depends on your filing status and dependents. For a single filer with no dependents, roughly $1,100/month is exempt — the IRS can take everything above that.

Before They Garnish

The IRS must send you:

  1. A notice of tax due and demand for payment
  2. A Final Notice of Intent to Levy (Letter 1058 or LT11) at least 30 days before garnishing

How to Stop It

  • Installment Agreement: Set up a monthly payment plan
  • Offer in Compromise: Settle for less than you owe
  • Currently Not Collectible: Prove financial hardship
  • Appeal: Request a Collection Due Process hearing within 30 days of the Final Notice

Important Disclaimer

This information is for educational purposes only and does not constitute tax or legal advice. Consult a qualified tax professional for advice specific to your situation.

Sources

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This information is generated by AI for educational purposes only and is not tax, legal, or financial advice. AI-generated answers may contain errors. Always verify information with a qualified tax professional or the IRS directly. AI Tax Relief is not affiliated with the Internal Revenue Service.