How to Stop IRS Wage Garnishment in Los Angeles

IRS wage garnishment can take a devastating portion of your paycheck. Learn how to stop garnishment and protect your income.

Understanding IRS Wage Levies

An IRS wage levy (garnishment) allows the IRS to continuously take money from your paycheck until your debt is paid. Unlike other creditors limited to 25% of wages, the IRS can take significantly more.

How Much Can the IRS Take?

The IRS calculates an exempt amount based on your filing status and number of dependents. Everything above that amount goes to your debt. For many people, this leaves barely enough to cover basic expenses.

How to Stop Wage Garnishment

1. Pay the Debt in Full

The fastest way to release a levy. If you can borrow from family, use savings, or access other funds, full payment immediately stops garnishment.

2. Installment Agreement

Setting up a payment plan with the IRS typically results in levy release. Options include:

• Streamlined agreements for debts under $50,000
• Partial payment plans based on ability to pay
• Non-streamlined agreements for larger amounts

3. Currently Not Collectible Status

If your income barely covers necessary expenses, the IRS may place your account in CNC status, releasing the levy.

4. Offer in Compromise

Submitting a valid OIC application suspends collection activity including levies while the offer is being considered.

5. Demonstrate Financial Hardship

If the levy prevents you from meeting basic living expenses, the IRS may release it. This requires detailed financial documentation.

6. Appeal

You can appeal the levy if:

• Proper procedures weren't followed
• You weren't given required notice
• The levy amount is incorrect
• You have a pending resolution

Timeline for Relief

Levy release timing varies:

• Full payment: Same day
• Financial hardship: 24-72 hours
• Installment agreement: 1-2 weeks
• CNC status: 2-4 weeks
• OIC submission: Upon acceptance of application

Preventing Future Levies

Once released, prevent future garnishment by:

• Staying current on payments
• Filing all required returns
• Communicating with the IRS about changes
• Maintaining your resolution agreement

Getting Help

Wage garnishment is stressful and time-sensitive. Los Angeles Relief can help you stop garnishment quickly and establish a manageable resolution plan.