Wage Garnishment Assistance

Having back taxes — unpaid taxes from previous years — can result in significant financial and legal consequences. If your tax debt remains unpaid, the IRS may use wage garnishment to collect the money you owe. When this happens, money is taken directly from your paycheck and sent to the IRS.

If you’ve received a wage garnishment notice from the IRS, BC Tax can help. We offer wage garnishment representation to clients in Colorado and throughout the United States. Our licensed Enrolled Agents are uniquely qualified to negotiate with the IRS to help you preserve your income while meeting your debt obligation.

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What Is Wage Garnishment?

Wage garnishment is a legal procedure through which a court orders a portion of a person’s earnings to be withheld to pay a debt. If the IRS believes you have back taxes, they may decide to garnish your wages, taking a certain amount of money from each of your paychecks until the full amount you owe is paid or you set up a payment plan with the IRS.

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How Much of My Wages Can the IRS Garnish?

Title III of the Consumer Credit Protection Act (CCPA) limits how much of your earnings can be garnished. The amount of earnings subject to garnishment is based on your “disposable earnings” — the amount of money left over after legally required deductions are made. These deductions may include federal and state taxes, Medicare and Social Security.

Deductions not required by law — such as health insurance and retirement plan contributions — are not typically subtracted when calculating disposable earnings.

Under Title III of the CCPA, weekly garnishment can’t exceed either 25% of your disposable earnings or the amount at which your disposable earnings are 30 times greater than minimum wage — whichever amount is less.

How to Stop Wage Garnishment

Dealing with IRS wage garnishment can be stressful and overwhelming. Let the experts at BC Tax handle this difficult situation for you. We have the expertise to stop wage garnishment and settle your debt quickly.

Depending on your situation, we may try several tactics to stop your wage garnishment.

Challenge the Garnishment

If you believe the IRS made an error in what you owe, you can dispute the garnishment by filing an appeal. BC Tax can help you apply for an appeal and represent you during the hearing.

Make an Offer in Compromise

An offer in compromise allows you to settle your debt with the IRS for less than the amount you owe. Our experts can file and negotiate an offer in compromise on your behalf to reduce your debt.

Negotiate a Payment Plan

The IRS allows you to pay your back taxes over an extended period by setting up a payment plan. We can help you determine the best plan to resolve your debt while preserving your income and savings.

Schedule a Consultation With BC Tax Today

Take the first step in preventing wage garnishment and contact BC Tax today. We’ll set up a consultation to review your options and determine the best course of action.

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Janet KleynJanet Kleyn
04:49 25 Oct 22
I have worked with Megan Bridge of BC Tax for more than 10 years. Megan has provided invaluable advice and counsel. She handled all representation... for us with the IRS and negotiated a very positive agreement. Megan always explained the options and gave her recommendation. Megan made a challenging situation much easier.read more
Tiffany HudsonTiffany Hudson
15:14 21 Oct 22
BC Tax has the Midas touch with tax returns. Every detail was thoroughly reviewed with me and I got the biggest refund I’ve ever gotten in my life. I... felt very comfortable placing my trust in them and it paid off big.read more
Enrik BogdaniEnrik Bogdani
15:01 21 Oct 22
What can I say other than they are a complete joy to work with. Communication is a big deal when dealing with such a serious overwhelming problem. BC... Tax was extremely helpful and very diligent with the whole process. They will explain everything A - Z and will actually take the time to make sure you understand whats going on. My team worked its tail off for me and Im very impressed with the results.read more
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