Wage garnishment can be a daunting experience. When the IRS takes a portion of your paycheck to cover unpaid taxes, it can put a significant strain on your finances. If you’re facing wage garnishment, it’s essential to understand your options and how you can protect your income.
What is Wage Garnishment?
Wage garnishment occurs when the IRS legally requires your employer to withhold a portion of your earnings to pay off your tax debt.
This can happen if you have unpaid taxes and haven’t responded to the IRS’s previous attempts to collect the debt.
The amount they can take depends on your income and the number of dependents you have, but it can be a substantial portion of your paycheck.
How to Stop Wage Garnishment
Stopping wage garnishment can be challenging, but there are several steps you can take to address the issue:
- Pay the Debt: The most straightforward way to stop garnishment is to pay your tax debt in full.
- Set Up a Payment Plan: You can negotiate an installment agreement with the IRS to pay off your debt over time.
- Submit an Offer in Compromise: If you qualify, you may be able to settle your debt for less than the full amount owed.
- Apply for Innocent Spouse Relief: If the debt is due to your spouse or ex-spouse’s actions, you might qualify for relief.
- File for Bankruptcy: In some cases, filing for bankruptcy can stop garnishment, but this should be considered a last resort.
The Importance of Hiring a Professional
Navigating the complexities of wage garnishment and dealing with the IRS can be overwhelming. This is why hiring a professional can make a significant difference. Tax attorneys can provide the expertise and representation you need to resolve your tax issues effectively.
Here are some reasons why hiring a professional is crucial:
- Expert Negotiation: Tax attorneys can negotiate with the IRS on your behalf, potentially securing more favorable terms.
- Comprehensive Knowledge: They understand tax laws and IRS procedures, ensuring you take the right steps to resolve your debt.
- Stress Reduction: Handling wage garnishment on your own can be stressful. A professional can manage the process, reducing your anxiety.
Why Choose McCauley Law Offices
At McCauley Law Offices, Greg McCauley Sr. and Greg McCauley Jr. bring over 43 years of combined experience in tax resolution, including helping clients with wage garnishment issues. Their family legacy of excellence and personalized approach ensures that each client receives the attention and expertise needed to navigate their tax problems successfully.
If you have an IRS problem, you have a legal problem.
Don’t face the IRS alone.
Contact McCauley Law Offices today to see how we can help you protect your income and resolve your wage garnishment issues.
