If You Need Jacksonville IRS Levy Help, Here’s What You’re Facing

If you need Jacksonville IRS levy help, you may already be dealing with a frozen bank account, wage garnishment, or aggressive IRS collection action.

An IRS levy is one of the most serious enforcement tools the IRS uses—and understanding how and why it happens is critical to protecting your assets.

At this stage, the IRS is no longer sending reminders or requests for payment.

👉 They are actively enforcing collection.

For many taxpayers, this is the first time the situation feels urgent. Access to money is restricted, paychecks are reduced, and uncertainty sets in quickly.

What Is an IRS Levy (And Why It Happens)

An IRS levy is the legal seizure of property or rights to property to satisfy a tax debt.

This means the IRS can take:

• Money from your bank account
• A portion of your wages
• Business income or receivables
• In certain cases, physical assets

It is important to distinguish this from a tax lien.

• A tax lien is the government’s legal claim against your property
• A levy is the actual act of taking that property

The authority for this comes from Internal Revenue Code § 6331, which allows the IRS to collect unpaid taxes through enforced seizure when voluntary payment is not made.

Why Levies Happen

Levies typically occur when:

• Taxes have been assessed and remain unpaid
• Required tax returns have been filed (or filed by the IRS on your behalf)
• The IRS has sent multiple notices
• The taxpayer has not responded or resolved the balance

The IRS follows a structured system of notices and deadlines. Each notice outlines the issue, what is required, and the consequences of inaction .

👉 By the time a levy occurs, the IRS considers prior attempts to resolve the matter unsuccessful.

How Jacksonville IRS Levy Help Stops Bank Levies and Asset Seizures

Understanding the levy process is one part of the equation.

Stopping it requires:

• Proper communication with the IRS
• Accurate financial disclosure
• A clear and realistic resolution strategy

Without these elements, simply contacting the IRS rarely produces results.

Types of IRS Levies You May Face

Bank Levy (Most Immediate and Disruptive)

A bank levy occurs when the IRS issues Form 668-A to your financial institution.

Once received:

• The bank must freeze the funds in your account
• You lose access to that money immediately
• The bank is required to hold the funds for 21 days

During this 21-day period:

• The IRS has not yet received the funds
• The funds are essentially “on hold”
• You still have an opportunity to act

👉 This is a critical window.

Many taxpayers assume the money is already gone—it is not.

However, if no action is taken within that period, the funds are sent to the IRS and recovery becomes significantly more difficult.

Wage Garnishment (Continuous Levy on Income)

A wage levy is issued through Form 668-W and sent to your employer.

This results in:

• A portion of each paycheck being withheld
• Only a minimal exempt amount being left to the taxpayer
• Ongoing collection until the debt is resolved

Unlike a bank levy, this is not a one-time event.

👉 It continues every pay cycle.

If you are experiencing this, you may also benefit from reviewing our
Jacksonville IRS wage garnishment help resource.

Business or Receivables Levy

For business owners, levies can extend to:

• Accounts receivable
• Merchant accounts
• Ongoing business income

This type of levy can:

• Interrupt cash flow
• Impact payroll
• Disrupt operations quickly

In some cases, it can effectively shut down a business if not addressed promptly.

How an IRS Levy Actually Happens (The Real Timeline)

Understanding the sequence is critical because each stage provides opportunities to act.

1. Tax Assessment

The IRS records the tax liability based on:

• A filed return
• An audit adjustment
• A substitute return prepared by the IRS

2. Notice and Demand for Payment

Required under IRC § 6303, this formally notifies the taxpayer of the balance due.

3. Collection Notices Issued

The IRS sends a progression of notices:

• CP14 (initial balance due)
• CP501 / CP503 (follow-ups)
• CP504 (intent to levy state refund / escalation)

Each notice includes:

• Amount owed
• Deadlines
• Instructions for response

Failure to respond to these notices is a primary reason accounts move into enforcement .

4. Final Notice of Intent to Levy (Critical Stage)

This is typically:

• Letter 1058
• LT11

This notice:

• Provides 30 days to respond
• Grants the right to request a Collection Due Process (CDP) hearing
• Represents the last formal warning before enforcement

5. Levy Issued

If no action is taken, the IRS proceeds with enforcement under IRC § 6331(d).

Required Notices Before the IRS Can Levy

Before issuing a levy, the IRS must:

• Send Notice and Demand for Payment
• Issue a Final Notice of Intent to Levy
• Provide an opportunity for a hearing
• Send notices to the taxpayer’s last known address

Failure to meet these requirements may create procedural defenses.

Who Is Handling Your Case Matters

Automated Collection System (ACS)

• Centralized IRS call centers
• Handles large volumes of cases
• More standardized processes

Revenue Officer (Field Agent)

• Assigned to higher-risk or higher-balance cases
• Works cases individually
• Has broader enforcement authority

👉 The approach taken depends heavily on which system or agent is involved.

How I Handle IRS Levy Cases

When a levy occurs, the situation has already escalated.

This requires a structured and informed response.

Step 1: Case Analysis

This includes:

• Reviewing IRS transcripts
• Confirming assessments
• Verifying notices were issued properly
• Identifying exposure and risk

Step 2: IRS Contact

The goal is to:

• Identify who is handling the case
• Determine current enforcement status
• Open communication to discuss resolution

Step 3: Compliance

The IRS requires:

• All tax returns to be filed
• Financial information to be current

Step 4: Resolution Strategy

This may include:

• Installment agreements
• Offers in compromise
• Hardship status
• Other resolution options

👉 This is where Jacksonville IRS levy help becomes critical, because the strategy must align with IRS requirements.

How to Stop an IRS Levy

Stopping a levy requires fitting into a recognized resolution category.

Collection Due Process (CDP)

• Must be requested within 30 days
• Stops levy action
• Moves case to Appeals

Currently Not Collectible (CNC)

• Based on inability to pay
• Stops collection activity

Installment Agreement

• Structured payment plan
• May stop enforcement

Offer in Compromise

• Potential settlement option
• Requires financial qualification

Hardship Release (IRC § 6343)

If the levy prevents payment of necessary living expenses, the IRS may be required to release it.

However:

👉 This must be properly documented and supported.

What Must Be Proven to Stop a Levy

To obtain relief, the IRS typically requires:

• Filing compliance
• Financial disclosure (Forms 433-A or 433-B)
• Accurate income and expense information
• A viable resolution plan

Using the IRS’s Own Rules

The IRS operates under the Internal Revenue Manual (IRM), which guides how agents must act .

Understanding these procedures can help identify:

• Errors
• Improper actions
• Opportunities to challenge decisions

Common Mistakes That Make Levies Worse

• Ignoring IRS correspondence
• Delaying action after a levy occurs
• Providing incomplete or inaccurate information
• Failing to meet deadlines

Why IRS Levy Cases Escalate

The IRS is tasked with collecting tax revenue efficiently.

Their systems are designed to move accounts forward when no action is taken, often based on available financial data .

Without proper representation:

• The process continues forward
• Enforcement actions increase
• Options become more limited

Why Work With Harmon Tax Resolution, LLC

You are working with a professional who combines:

• Legal training (Attorney)
• Financial expertise (CPA)
• IRS representation authority (Enrolled Agent)

This allows for a comprehensive approach to IRS levy cases.

If You Are Facing an IRS Levy in Jacksonville

• Bank levy → limited time to act
• Wage levy → ongoing impact
• Business levy → operational risk

👉 Acting early provides more options.

Take Action Today

If you need Jacksonville IRS levy help, do not wait.

📞 Harmon Tax Resolution, LLC
772-418-0949 | 813-325-6009
www.harmontaxresolution.com

💥 You may qualify for relief that can stop collections and protect your assets.

Frequently Asked Questions About IRS Levies

What is the difference between an IRS levy and a lien?

An IRS lien is a legal claim against your property due to unpaid taxes, while an IRS levy is the actual seizure of that property.

A lien protects the government’s interest in your assets, whereas a levy allows the IRS to take funds from your bank account, wages, or other assets to satisfy the debt.

How long does an IRS bank levy last?

A bank levy is a one-time event, but it has a critical timeline.

Once the IRS issues the levy:

• Your bank freezes the funds immediately
• The funds are held for 21 days
• After 21 days, the funds are sent to the IRS

👉 During that 21-day period, there is still an opportunity to have the levy released.

Can the IRS take all the money in my bank account?

The IRS can levy the available balance in your account at the time the levy is received.

However:

• They cannot take funds deposited after the levy (for that specific levy)
• Certain funds may be partially protected depending on the source

👉 Acting quickly during the holding period is critical to protecting those funds.

How do I stop an IRS levy once it has started?

Stopping an IRS levy requires entering into an approved resolution with the IRS.

This may include:

• Requesting a Collection Due Process (CDP) hearing
• Establishing financial hardship (Currently Not Collectible)
• Setting up an installment agreement
• Submitting an Offer in Compromise

👉 The IRS will not release a levy without a valid reason supported by documentation.

What is a Final Notice of Intent to Levy?

This is one of the most important notices the IRS sends.

Typically issued as Letter 1058 or LT11, it:

• Notifies you that the IRS intends to levy
• Provides 30 days to respond
• Gives you the right to request a hearing

👉 If you respond within that window, you may be able to stop the levy before it happens.

Can the IRS garnish my wages without warning?

No. The IRS is required to send multiple notices before issuing a wage garnishment.

These include:

• Balance due notices
• Follow-up collection notices
• A Final Notice of Intent to Levy

👉 If these notices are ignored, the IRS can proceed with garnishment.

Will the IRS release a levy if I am experiencing financial hardship?

In some cases, yes.

Under IRC § 6343, the IRS may be required to release a levy if it is causing economic hardship, meaning you are unable to meet basic living expenses.

However:

👉 This must be properly documented and demonstrated to the IRS.

What happens if I ignore an IRS levy?

Ignoring a levy can lead to:

• Permanent loss of bank funds
• Ongoing wage garnishment
• Additional enforcement actions
• Increased financial pressure

👉 The situation typically becomes more difficult to resolve the longer it goes unaddressed.

Can I negotiate with the IRS after a levy has started?

Yes, but the situation is more time-sensitive.

Once a levy is in place:

• The IRS expects immediate action
• Financial documentation will likely be required
• A resolution must be proposed quickly

👉 This is where experienced Jacksonville IRS levy help can make a significant difference.

How quickly should I act if I receive a levy notice or bank freeze?

Immediately.

• Bank levy → you may have days
• Wage levy → ongoing impact each pay period
• Final notice → strict 30-day deadline

👉 Acting early provides more options and increases the likelihood of stopping enforcement.

If you need Jacksonville IRS wage garnishment help, you are already experiencing the financial impact of the IRS taking your paycheck.

By the time a wage garnishment begins, the IRS is no longer requesting payment—they are enforcing collection. At this stage, the priority is not awareness—it is taking action to stop the garnishment and resolve the underlying tax issue efficiently.

Working with a Jacksonville IRS wage garnishment attorney and CPA allows you to evaluate your options and take immediate steps to protect your income.

How Jacksonville IRS Wage Garnishment Help Can Stop IRS Levies

An IRS wage garnishment is a continuous levy, not a one-time event.

Under federal law, the IRS can require your employer to send a significant portion of your paycheck directly to the government each pay period.

• Only a minimal exempt amount is left to you
• The levy continues until released
• Future paychecks are automatically affected

Once in place, a wage levy remains active unless you take affirmative steps to stop it.

Understanding the IRS Notice Process Before Garnishment

A Jacksonville IRS wage garnishment does not happen without warning. Carefully reviewing each IRS notice is critical, as timing and response options are often limited!

The IRS follows a structured and legally required notice process before issuing a levy.

Preliminary Warning Notices

These notices indicate a balance due and warn of enforcement but do not yet provide formal appeal rights:

• CP504 – Notice of Intent to Levy
• CP523 – Defaulted Installment Agreement

Final Notices of Intent to Levy (Critical Stage)

Under IRC § 6330, the IRS must issue a final notice giving you the right to request a hearing.

These include:

• LT11 / Letter 1058 (ACS and Revenue Officers)
• CP90 / Letter 11
• CP91 / CP298 (Social Security levies)
• CP297 / CP297A (business and employment tax cases)

👉 You have 30 days to request a Collection Due Process (CDP) hearing.

Failing to act during this window allows the IRS to proceed with garnishment.

Enforcement Actions (When Garnishment Begins)

After the notice period expires:

• Form 668-W is sent to your employer (wage garnishment begins)
• Form 668-A may be sent to your bank (account levy)
• Letter 1697 may apply in multiple income situations

No additional warning is required at this stage.

Why Delays Make IRS Wage Garnishment Worse

Once a Jacksonville IRS wage garnishment begins, timing becomes critical.

• Each pay cycle is affected. See IRS Pub1494
• The levy continues forward indefinitely
• The IRS may expand enforcement actions

Delays often result in:

• Additional levies (bank accounts, receivables, assets)
• Increased financial pressure
• Reduced flexibility in resolution strategies

Legal Authority for IRS Wage Garnishment

The IRS derives its enforcement power from federal law:

• IRC § 6331 – Authorizes levy and wage garnishment
• IRC § 6330 – Establishes notice and appeal rights
• IRC § 6334 – Defines limited exemptions
• IRC § 6343 – Governs release of levy

These provisions give the IRS broad authority to pursue continuous wage levies and other collection actions.

Stopping the Garnishment Is Only the First Step

Stopping a Jacksonville IRS wage garnishment is critical—but it is only part of the solution.

Without addressing the underlying tax issue, the IRS can resume enforcement at a later time.

A Multifaceted Approach to Stopping Garnishments and Resolving Tax Debt

At Harmon Tax Resolution, LLC, we routinely work with clients already facing active IRS enforcement, including wage garnishments.

What sets our approach apart is the ability to work across all levels of the IRS, including:

• Automated Collection System (ACS)
• Revenue Officers
• IRS Appeals

As a Florida Attorney, Certified Public Accountant, and IRS Enrolled Agent, Will Harmon brings a multifaceted perspective to each case—combining legal, financial, and procedural strategy.

Understanding how the IRS enforces wage garnishments is critical to stopping the levy and protecting your income.

How We Help Clients Stop IRS Wage Garnishment

Our process is designed to move quickly and efficiently:

Immediate IRS Intervention

We engage directly with the IRS to pursue release or modification of the wage levy.

Comprehensive Financial Analysis

We evaluate your financial position to determine the most effective path to resolution. For immediate Hardship Release, this needs to be done right away!

Strategic Use of All Available Options

Depending on your situation, this may include:

• Installment Agreements
• Offer in Compromise
• Currently Not Collectible status
• Appeals and procedural challenges
  • Collection Due Process Hearing
  • Collection Appeals Program
  • Taxpayer Advocate Services
  • Immediate Economic Hardship – IRC § 6343(a)(1)(D)

Efficient Resolution Strategy

Our goal is to determine and implement the most effective solution within the shortest practical timeframe, while minimizing ongoing financial impact.

👉 This is where professional Jacksonville IRS wage garnishment help becomes critical to stopping the levy quickly.

Experience Matters in IRS Garnishment Cases

We have successfully helped many clients:

✔ Stop IRS wage garnishments
✔ Prevent additional levies and seizures
✔ Navigate complex IRS procedures
✔ Resolve tax liabilities through structured strategies

Each case requires a tailored approach—there is no one-size-fits-all solution. However, having a three-in-one Jacksonville Tax Attorney-CPA-IRS Enrolled Agent will ensure the best fitting solution is presented.

Jacksonville IRS Wage Garnishment Help

If you are dealing with a Jacksonville IRS wage garnishment, taking action within the IRS framework is critical.

👉 Learn more here: Jacksonville IRS Tax Attorney

Take Action Before the Next Pay Cycle

A wage levy continues forward until it is addressed.

Taking action now may help you:

• Stop or reduce garnishment
• Protect your income
• Improve your resolution options
• Regain financial stability and peace of mind

👉 Working with experienced IRS wage garnishment help in Jacksonville can significantly improve your ability to stop the garnishment and resolve the underlying tax issue.

Contact Harmon Tax Resolution, LLC

📞 772-418-0949 (Port Saint Lucie Office)
📞 904-616-8256 (Jacksonville Office)
📞 813-325-6009 (Clearwater Office)

📧 will@harmonassociates.net
🌐 www.harmontaxresolution.com

Harmon Tax Resolution, LLC
Will Harmon, Attorney, CPA, EA, CTRS

👉 If your wages are currently being garnished, taking action before your next pay cycle can make a meaningful difference. Call now to discuss your options and begin the process of stopping the garnishment and resolving your tax matter.

One of the harshest activities the IRS can do is to enforce a levy against you.

If you do not pay your taxes (or make arrangements to settle your debt), and the IRS determines that a levy is the next appropriate action, the IRS may levy any property or right to property you own or have an interest in. For instance, the IRS could levy property that is yours but is held by someone else (such as your wages, retirement accounts, dividends, bank accounts, licenses, rental income, accounts receivables, the cash loan value of your life insurance, or commissions). Or, the IRS could seize and sell the property you hold (such as your car, boat, or house).

How Does The IRS Notify You of a Levy? Can I Appeal?

When the IRS is going to levy your bank account or garnish your wages, they will send a Notice of Intent to Levy (IRS Letter 1058 or LT11) in the mail. IRS is required to do so under Internal Revenue Code Section 6331(d). The Notice will list your right to appeal the levy within 30 days of the date of this Notice.

What Are Some of the Reasons To Appeal an IRS Tax Levy?

Here are some reasons to consider appealing a tax levy:

• You want to dispute the tax liability for a legitimate reason, provided you have not forgone the opportunity to do so.
• You are no longer liable for the tax because the Collection Statute Expiration Date time frame has expired.
• You will suffer financial hardship if the levy is enforced.
• You want to pursue a form of innocent spouse relief.
• You will submit an Offer in Compromise seeking to negotiate for a lesser tax amount than you owe.
• You have automatic stay protection from bankruptcy.

Usually, when you timely file for a CDP Hearing, the IRS is statutorily required to abstain from levying your property during the hearing process. Utilizing this time may allow for arriving at an optimal tax resolution.

What are the Options to Use for Appealing an IRS Levy?

There are three ways to appeal an IRS Levy. These are the Collection Due Process Hearing, Equivalency Hearing, and Collection Appeals Program. Each should be used based on specific circumstances.

Collection Due Process (CDP) Hearing

The process for requesting an appeal is by submitting in writing for a Collection Due Process (“CDP”) hearing within the 30-day deadline listed on the Intent To Levy Notice. If you miss the deadline, you can still request an appeal through other procedures; however, you will not have all the options and advantages available under a CDP hearing, such as going to a tax court to dispute the decision. Once you request a CDP hearing, the IRS will stop collection action on your account. The clock will also stop ticking on the collection statute of limitations. The IRS generally doesn’t levy assets during the CDP hearing process unless the tax collection is in jeopardy.

You may dispute the tax liability at a CDP hearing unless you were already given this opportunity from receiving a Notice of Deficiency, which would have provided such an opportunity.

Which Notices Provide for Collection Due Process (CDP) Hearing?

Collection Due Process (CDP) is available if you receive one of the following notices:

• Notice of Federal Tax Lien Filing and Your Right to a Hearing under IRC 6320
• Final Notice – Notice of Intent to Levy and Notice of Your Right to a Hearing
• Notice of Jeopardy Levy and Right of Appeal
• Notice of Levy on Your State Tax Refund – Notice of Your Right to a Hearing
• Post Levy Collection Due Process (CDP) Notice

How to Request a CDP Hearing to Appeal a Levy

It may be prudent to call the number on your levy notice to negotiate a possible resolution to your tax situation before requesting a CDP hearing. Making such a request to the IRS does not toll the 30-day requirement to submit a written request to a CDP hearing.

To request a CDP hearing, complete and submit IRS Form 12153 – Request for a Collection Due Process or Equivalent Hearing or submit a written request containing the items reflected on Form 12153.

The CDP Hearing request must be postmarked within 30 days after the IRS Notice of Intent to Levy date. If you cannot make the 30-day CDP deadline, you can still request an Equivalency Hearing by using the same form and checking off box seven on the form. Be sure to mail the request to the address listed on the Notice of Intent to Levy. To fax this, you must call the number listed on the Notice to get the correct fax number to send it to.

Equivalency Hearing (EH)

As mentioned, an Equivalency Hearing (E) might be an appeal option if you missed timely submitting for a CPD hearing. You have one year from the CDP notice date to file. At this hearing, you will have the opportunity to appeal the levy; however, you will not have the chance to go to tax court if you disagree with the Appeal’s decision. In addition, the IRS can still pursue collection activities during this process, whereas this usually is not the case when getting a CDP Hearing. So it’s essential to be aware of the dates of the notices.

Collection Appeals Program (CAP)

The Collection Appeals Program (CAP) is another option to appeal an IRS tax levy. The CAP process has some additional variations over a CDP Hearing but does not contain some of the advantages of using a CDP Hearing. You can elect for a CAP hearing before the IRS provides a Notice of Intent to Levy. When a notice is issued, you can appeal by the deadline on your Notice, which is typically 30 days.

Under the CAP procedure, you cannot dispute the amount of your tax liability.

When Should You Use a Collection Appeals Program (CAP)?

You should use CAP if you are unable to use a CDP. Although you can request the CAP procedure before the Notice of Intent to Levy is sent, bear in mind that any issues decided using the CAP may not be appealed at a later CDP hearing. Before doing so, you must understand all the impacts of electing a CAP over a CDP.

A CAP also provides the opportunity to use after the IRS has levied the property; usually, you must do so within two years from the levy date. Although the CAP procedure can provide quicker determination than a CPD hearing, the CAP appeal determination can not be challenged in Tax Court. In addition, the CAP is used by third parties where the IRS has wrongfully levied their property.

If you are unsure which appeals method fits your situation, talk to a tax professional who can help you.

Which Actions Are Collection Appeals Program (CAP) Available for?

Collection Appeals Program (CAP) is available for the following actions:

• Before or after the IRS files a Notice of Federal Tax Lien
• Before or after the IRS levies or seizes your property
• Termination, or proposed termination, of an installment agreement
• Rejection of an installment agreement
• Modification, or proposed modification, of an installment agreement

The Process for Requesting an Appeal Using the Collection Appeals Program (CAP)

The CAP levy appeal process can be done in two ways, depending on your collection contact with the IRS. The contact could be where you are dealing with an IRS Revenue Officer (RO) or have just received an IRS Notification or phone call (no RO).

If the IRS Notification or phone call is your only source of contact with the IRS, you should call the number listed on the IRS Notification or provided to you from your IRS call. It may be possible to avoid an IRS levy by trying to negotiate a solution to your tax issue.

If you cannot agree, you can then ask to appeal the decision by speaking directly to their manager. Within twenty-four hours of making this request, a manager should contact you. If you cannot then agree with the manager, your case will be forwarded to an IRS Appeals Office. You will not have to submit a written appeals request.

When dealing with an IRS Revenue Officer, the attempt to appeal is initially made by requesting a conference with their Collection Manager/Supervisor. If this conference does not resolve the issue, inform them that you will be submitting IRS Form 9423 – Collection Appeal Request. The completed form gets set to the IRS Collection Office you are dealing with.

What Happens After Requesting an Appeal of a Levy

A timely request generally prevents the IRS from commencing levy activity while an appeals process occurs. Even once you have filed for an appeal, you still may have the option of discussing your case for a resolution with an IRS Revenue Officer. You can withdraw your case anytime, especially if you find a solution. Once you submit the Appeal, someone from IRS Appeals will reach out to set up the time and date for your appeals conference.

The Appeals Office will issue a determination letter upon the conclusion of your conference. Provide you requested a timely CDP request, you will have the opportunity to appeal the decision in Tax Court. For Eqivalent Hearing or CAP request, you will not be allowed to contest in Tax Court.

Who Can Represent You During an Appeal of a Tax Levy

You have the option of representing yourself during the appeals process. If you want assistance, the following individuals can represent you:

• Licensed Tax Attorneys
• Certified Public Accountants
• Enrolled Agents
• Members of your immediate family
• For a business, a corporate officer, general partner, or regular full-time employee

Get Trusted Representation for Dealing with IRS Levy Appeals

Obtaining professional advice from a dedicated tax resolution professional may be ideal if you’re considering appealing a tax levy. It would be best if you had professional answers you could count on. Call today (772-418-0949), or complete an online inquiry form for a free consultation with experienced Tax Attorney-CPA-EA, Will Harmon of Harmon Tax Resolution, LLC. He will provide trusted representation so that you can put this behind you and get on to doing the things that matter most.

For additional information, please see the following blog articles:

• “Appealing IRS Tax Determinations: When and How to Appeal IRS Collection Actions and Tax Assessments”

• ”Important Information About IRS Tax Levies”

A levy is a legal seizure of your property to satisfy a tax debt. Levies are different from liens. A lien is a legal claim against property to secure payment of the tax debt, while a levy takes the property to satisfy the tax debt. The Internal Revenue Code authorizes levies to collect delinquent tax. Any property or right to property that belongs to the taxpayer or on which a Federal tax lien can be levied unless the IRC exempts the property from levy.

The IRS will usually levy a taxpayer only after these four requirements are met:

• The IRS assessed the tax and sent you a Notice and Demand for Payment (a tax bill);
• You neglected or refused to pay the tax; and
• The IRS sent you a Final Notice of Intent to Levy and Notice of Your Right to A Hearing(levy notice) at least 30 days before the levy. The IRS may give you this notice in person, leave it at your home or your usual place of business, or send it to your last known address by certified or registered mail, return receipt requested. Please note: if the IRS levies your state tax refund, you may receive a Notice of Levy on Your State Tax Refund, Notice of Your Right to Hearing after the levy.
• The IRS sent you an advance notification of Third-Party Contact notifying you that the IRS may contact third parties to determine or collect your tax liability.

If you do not pay your taxes (or make arrangements to settle your debt), and the IRS determines that a levy is the following appropriate action, the IRS may levy any property or right to property you own or have an interest in. For instance, the IRS could levy property that is yours but is held by someone else (such as your wages, retirement accounts, dividends, bank accounts, licenses, rental income, accounts receivables, the cash loan value of your life insurance, or commissions). Or the IRS could seize and sell the property you hold (such as your car, boat, or house).

How Do I Get a Levy Released?

Contact the IRS immediately to resolve your tax liability and request a levy release. The IRS can also release a levy if it determines that the levy is causing an immediate economic hardship. You may appeal this decision if the IRS denies your request to release the levy. You may appeal before or after the IRS places a levy on your wages, bank account, or other property. After the levy proceeds have been sent to the IRS, you may file a claim to have them returned to you. You may also appeal the denial by the IRS of your request to have levied property returned to you.

The IRS is required to release a levy if it determines that:

• You paid the amount you owe,
• The period for collection ended before the levy was issued,
• Removing the levy will help you pay your taxes,
• You enter into an Installment Agreement, and the terms of the agreement don’t allow for the levy to continue,
• The levy creates an economic hardship, meaning the IRS has determined the levy prevents you from meeting basic, reasonable living expenses, or
• The property’s value is more than the amount owed, and releasing the levy will not hinder our ability to collect the amount owed.

Please note: Releasing a levy does not mean you don’t have to pay the balance due. You must still make arrangements with the IRS to resolve your tax debt, or a levy may be reissued.

You may appeal any IRS collection actions to the IRS Independent Office of Appeals(Appeals). Appeals are separate from and independent of the IRS Collection office that initiated the collection action. Appeals ensure and protect its independence by adhering to a strict policy prohibiting certain ex-parte communications with the IRS Collection office or other IRS offices, such as discussions regarding the strengths or weaknesses of your case. Let the tax attorney-CPA-EA, Will Harmon of Harmon Tax Resolution, LLC help you determine your best options. Having a multi-disciplined Attorney-CertifiedPublic Accountant-Enrolled Agent will ensure that all elements of your situation will be considered from different perspectives ensuring that nothing gets overlooked. He can help you resolve this issue immediately so you can focus on the more essential things in life.

Let us help you find a solution to your tax problem. Call Harmon Tax Resolution, LLC today at 772-418-0949 or complete our online form to request a free consultation with a knowledgeable multi-licensed tax attorney-CPA-Enrolled Agent.

Take the First Step to Get the Relief You Deserve!

Tax Levies & Liens

If you have outstanding tax debt and no apparent resolution, the IRS can execute tax liens or levies against you. Either of these actions goes beyond just owing the IRS money; it is the actual IRS enforcement action to collect on the tax debt. With liens and levies, you could see your monetary assets are taken, and your legal claim to current and future properties diminished significantly to the IRS as a creditor.

Harmon Tax Resolution, LLC is committed to helping our clients who face harsh circumstances such as liens or levies. Attorney-CPA-IRS EA, Will Harmon, can act on your behalf, but you must contact him to start the process as soon as possible.

Can I Get a Levy or Lien Removed?

When the IRS initiates a tax lien, creditors are notified that your property has an IRS claim against it. The IRS now has creditor rights. The IRS credit rights apply not only to current assets you may have, such as your home and vehicles but also to any new property you acquire after the lien has been filed. This can have a detrimental effect on your ability to take out a loan, refinance a property, and even buy or sell a home can be nearly impossible. Even though the IRS no longer reports liens to credit agencies, the liens are public records that are often looked at by potential creditors.

Once the IRS initiates a bank levy, you may be denied access to funds in your bank accounts. Your accounts are frozen; the IRS could seize these funds to pay down the tax debt, including associated interest and penalties. Without a doubt, this can severely impact you and your family’s well-being.

The tax attorney-CPA-EA, Will Harmon from Harmon Tax Resolution, LLC, understands how impactful this can be towards your life, and he wants to help — but the longer you wait to contact him, the longer and more complex a resolution may be. Call him today at 772-418-0949 to discuss how you can overcome the tax lien or levy situation so you can sleep better tonight.