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IRS Wage Garnishments, Stop and Avoid Garnishment of Wages

In the process of Wage garnishment, money is directly taken directly from your paycheck when the check leaves your employer and before you have a chance to collect your wages. Wage garnish is a collection tool used by the IRS and is enforced when you owe taxes that you were unable or unwilling to pay on your own. The IRS obtains an order from a court, or a judgment against you, permitting them to take money from your paycheck toward this debt.

If an IRS garnishment of wages has been imposed on you and whether you think it is correct or not, you should contact The Loans Store immediately. We can definitely help. Sign up here for a FREE Consultation to stop wage garnishment on your wages.

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Types of IRS Wage Garnishments

There are several types of Garnished Wages. Let’s take a look at several of them:

IRS garnishment of wages

The amount one’s wages that are subject to IRS wage garnishing relies on a number of factors which include the amount owed, your marital status, and the number of dependents you are supporting.

Limited Wage Garnishments

The complete amount of your paycheck cannot be taken by garnished wages. There are limits on the sum of money that can be garnished. These limits depend on the kind of entity that is s entitled to the garnished wages and the laws of the state in which the garnishment is taking place. These limits are intended to ensure that garnishment does not create undue financial hardship.

Garnishment Due to a Court Judgment

In this type of wage garnishing, usually no further notice is required since the garnishment is typically ordered as part of the original hearing and judgment passed by the court. The hearing itself and the judgment are considered to be adequate notice.

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How to Avoid Wage Garnishment

The IRS can be very aggressive and arbitrary when it comes to collecting taxes. There are several enforcement methods the IRS uses in order to collect back taxes which are very stringent and can cause havoc in your finances. Wages garnishment for taxes is one of them. Fortunately, the network of tax professionals at The Loans Store can guide you through the steps that can help you in stopping wage garnishment. Some of them are discussed below:

Step 1

Work out a payment plan with the IRS directly. They will start by wanting to garnish most of your take home pay. If you can't pay they can then move to levy what you own.

Step 2

Consult with a tax attorney. They have the expertise and experience to help.

Step 3

If your financial situation is really bad, you may be advised to consider bankruptcy.

Step 4

Even though declaring bankruptcy does not get rid of your tax debt completely, it will release any garnishment. You will have to qualify for bankruptcy (Chapter 7 and Chapter 13).

Step 5

As a rule of thumb; always look for qualified professional help. The Loans Store can refer you to competent professionals who can work through these matters for you.

What is Tax Wage Garnishment?

Wage Garnish is a process whereby a certain amount of money which is considered a debt is decreed through a court order, to be allowed to be deducted from the monetary compensation (that includes salary) of an employee. According to United States federal law, these types of deductions are limited to twenty-five percent of the net income earned by the employee. An IRS garnishment of wages, for instance, continues until the debt is completely paid off or alternative arrangements are made to clear the debt.

Although garnishing wages can be done for almost any kind of debt, the most common debts that attract wages garnishments are:

Child support
IRS debt
Taxes
Defaults on student loans
Unpaid court fines
Any other financial debts

What are the IRS rules for Wage Garnish?

There are a number of conditions that must be met before the IRS can garnish wages:

The IRS should have assessed the taxes properly and sent the debtor a Notice as well as a Demand for payment of dues
There must be concrete proof that the tax-payer has forgotten or refused to pay up.
The IRS should send a Final Notice of Intent to Levy as well as a Notice of Your Right to A Hearing at least thirty days before the tax is levied.
The IRS should have served the Final Notice by registered or certified mail to the tax-payer himself/herself or delivered it at his/her residence or place of work or at the last known address. It is not necessary that the Notice should be handed over to the tax-payer personally in order to be effective. The majority of tax-payers never actually get this Notice. They never realize that they run the risk of IRS garnishment of wages until the money gets deducted from their salaries.

There are many tax debtors who try to negotiate their tax debts themselves and end up with more problems than when they started. Federal wage garnishment can negatively impact your reputation, credit and your ability to open an account in a bank or receive a loan. If you are currently facing a wage garnishment or anticipate one, The Loans Store can help you help you to end wage garnishments, reduce or even eliminate any tax penalties and help to negotiate a manageable monthly payment with the IRS. Your tax debts will be settled for a fraction of the total amount you owe. Our large network of bank levy specialists, wage garnishment experts and attorneys have years of experience in negotiating federal tax laws and can help you stop garnishment of your wages.

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Google Authorship: By Richard Williams