How best to deal with the IRS a wage garnishment?

Question

They are taking 2/3 of my take home pay. < $10k in total garnishments at this time...

Answer 1

Hi!!! Oh my God you are going to be so glad you found me.

I had the same problem my friend and first before I tell you what to do you have to trust me on this.

Everything is going to be ok. I swear it. I know you don't know me from adam but both my dad and I had a hell of a time with those bastards at the IRS.

And I am being nice by calling them that lol.

But here is what happened to us. Our entire family has been in Real estate for some time and you earn really good income but then we had a real estate crash out here in california and we lost a lot of the investments we had and then had problems with the IRS garnishing our wages.

First it happened to my dad and then me.
But we learned what to do when it happened to my dad.

My dad had them going into his bank account and taking money there too so do not put money in your bank. Just put enough to keep it open and try to pay with money orders etc.. until we solve this problem ok? Because those #%@#$^ will go in there and get it out of your bank.

Anyways...your best hero in the world will be your congressman or congresswoman.

You need to go to their office and set an appointment with them and they charge $0 nothing.

Tell them that you are struggling just to get by and they'll have you write a letter but the IRS pays attention to the congress as they are terrified of them.

AT THE SAME TIME....
You need to IMMEDIATLY start what is called "An offer and compromise".

Find a tax man that does these and shop around for costs.
What this is is an offer to the IRS .

So you don't worry my dad owed 1/2 a million dollars and they lowered it to $20,000! lol

I gaurantee you that the offer and comprimise will work.

That is your only salvation against them but you have to do it. Get yourself to do it. Here are the steps.

Step 1. Find a tax person that will do the offer and comprimise. Keep shopping and getting prices until you get a good person and a good price.

Step 2. They will immediatly file the offer and comprimise with the IRS. Do that a.s.a.p. because here is the good news..

BY LAW..they have to STOP garnishing when you file that! Is that awesome or what?

Then here is what is going to happen.
You will get a response from the IRS saying your offer and comprimise was accepted and the very very worst thing that will happen is you will pay payments but don't worry about it they are very very little.

They spread it out for like 2 years lol so even if you owned $10 the most you'd have to pay is like $100 a month and I got other news for you.

It aint going to be $10,000 they'll knock it down to like $4000 or $3000

Now another thing you have to trust me on is you have to tell the IRS immediatly (You can do this today) that if they don't take less on the garnishment that you are going to file bancruptcy because you can't survive.

Now do not file bancruptcy in reality because you won't need to as the offer and compromise will fix this problem but you have to understand the law.

If you file bancruptcy it WIPES OUT THE IRS but you owe so little that I would not file bancruptcy.

Do the offer and comprimise or at least meet with a tax guy and talk to him. Don't go to some attorney as you don't need an attorney to do this for you and they will just b.s. you and scare you and get you to pay them all kinds of money.

So here is the checklist and I would do this in the following order.
1. Call IRS tell them and beg them (Act all franctic when you call and nervous lol really so they believe your serious) and tell them that you can't live any more because they are taking out too much money and you are going to have to file bancruptcy if they don't lower it. (They will not just stop garnishing so don't even waste your time trying that. But they will lower it! They lowered it for me).

2. Now they should lower it a bit we hope but DO NOT MENTION TO THEM ABOUT THE OFFER AND COMPRIMISE!! Keep that a secret. But also get out the phone book and you'll find tons of folks that do that. All it is is filing a few papers with the irs but this STOPS the garnishments even while they review.

Bascially an offer and comprimise is an OFFER from you saying "Look I don't want to pay $10,000 I can't. But I can pay $4000 and I'll pay $50 a month until it's paid"

3. See your congressperson for your area. This is important because they actually CALL THE IRS and check up on your offere and comprimise and believe-you-me that helps.

How will it end up?
In the end here is what will happen. The IRS will accept your offer and comprimise. The minute you file the offer and comprimise (and this is the part you'll like best) that stops the garnishments because legally they can't take it from you while you are making an effort.

This is why I vote Republican because the republicans passed that law of offer and comprimise but the democrats love the IRS.

Oh...and for God sakes...Vote Republican and don't vote Democrat as they always give more power to the IRS.

It's the least you can do for all the help I gave you! lol.
But seriously now..don't get yourself all worried because you will win this for sure and it will be solved.

You'll have to pay little tiny payments over a long period of time but once it's paid...they REMOVE IT from your credit and you can buy a car, property etc.. and best of all..

The bastards at the IRS will be off your back.

Answer 2

None. If you owe, you owe. If you have a wage garnishment it tends to mean that you have never paid your full tax bill and have resisted all attempts by the IRS to set up a payment plan. So as a last resort, the IRS garnished your wages. What do you expect one of these firms to do? File or refile your taxes for you? You can do that with an Enrolled Agent for a lot less money. Get rid of the tax bill through Offer in Compromise? This can take up to 2 years and the IRS is known to accept only 25% of such requests. That they'll call up the IRS and get them to stop the garnishment? You can do that. Provide a complete financial analysis and set up a payment plan.

Answer 3

All the Congressional inquiry will do is to require the IRS to report on the status of your case to the Congressman's office. Nothing more. The kernel of good advice in that answer was to suggest that you try an offer in compromise (Form 656). You may qualify. Depends how much you owe and how much you have and make. You will need to complete a collection information statement (Form 433A), the IRS financial statement form. If you do not qualify for an offer in compromise, because you have the financial ability to repay the entire debt, you should definitely submit a form 433D or 9465 to apply for an installment payment plan. All that sounding frantic stuff won't buy you anything. The forms are readily available on the IRS website. http://www.irs.gov.

Answer 4

Well they can do that because you didn't do what everyone else has to do. I suggest you call them and see if you can work out a longer term with less garnishment. Payback is hell.

Answer 5

I was going to say contact the IRS tax payer advocate.....but then I read gotoourconference's answer and mine is now a crappy answer. :0)
He is a genius!

Answer 6

Well I have learned one thing....DONT F*UCK WITH THE IRS, they will get you....just pay them cause there is nothing you can do about it

Answer 7

You owe it so payup and be happy that you are paying your debt