People use “lien” and “levy” interchangeably. They are not the same thing. Confusing them leads to taking the wrong action at the wrong time, and in IRS matters, timing is everything. One is a legal claim. The other is an active seizure of your money or property. Understanding exactly where you stand changes what you can do about it.

This post breaks down both terms clearly, explains how one leads to the other, and tells you what windows you have to act before things get worse.

What Is a Federal Tax Lien?

A federal tax lien is a legal claim the IRS places against your property. It secures the government’s interest in what you owe. A lien is not a seizure. The IRS is not taking your house or emptying your bank account. They are staking a legal interest in your assets so that if you sell, refinance, or transfer property, their debt gets paid first.

Three things must happen before a lien attaches:

1. The IRS assesses your tax liability.
2. They send you a Notice and Demand for Payment.
3. You fail to pay the full amount within 10 days of that notice.

At that point, the lien automatically arises against all of your property and rights to property, including real estate, personal property, and financial assets. You may not even know it has attached yet.

The Notice of Federal Tax Lien (NFTL)

The lien itself arises silently. But when the IRS files a Notice of Federal Tax Lien (NFTL), it becomes public record. The NFTL is filed with your county recorder or state agency depending on where you live. That filing puts other creditors and the public on notice that the federal government has a claim against you.

Once the NFTL is filed, the damage spreads fast. Lenders see it. Title companies flag it. You cannot sell or refinance real property without dealing with it first. If you are a business owner, it can attach to accounts receivable and inventory.

How Long Does a Lien Last?

A federal tax lien generally lasts 10 years from the date of assessment, which corresponds to the IRS’s collection statute of limitations. After that, the lien releases automatically if the IRS does not extend it. However, the IRS can re-file before expiration to extend the lien period.

Options to Deal with a Lien

You have more tools available for a lien than most people realize:

• Lien Withdrawal: The IRS removes the NFTL from public record entirely. This is the best outcome. It requires meeting specific criteria, including being in compliance and in good standing.
• Lien Discharge: Removes the lien from a specific piece of property, which allows a sale or refinancing to move forward even if the underlying debt remains.
• Lien Subordination: The IRS allows another creditor to move ahead of them in priority. This is often used to secure a loan that will be used to pay the tax debt.
• Full Payment or Resolution: Pay the debt in full, or resolve it through an Offer in Compromise or other agreement, and the lien releases within 30 days.

Learn more about your options on the IRS lien removal page.

What Is a Federal Tax Levy?

A levy is the actual seizure of your property or your rights to property. The IRS is no longer staking a legal claim. They are taking your money or assets to satisfy the debt. This is a fundamentally different situation.

Common targets of a levy include:

• Bank accounts: The IRS can seize funds directly from your checking or savings account.
• Wages: The IRS issues a continuous levy on your paycheck, forcing your employer to send a portion of every paycheck directly to the government until the debt is resolved.
• Retirement accounts: Less common, but the IRS can levy IRAs, 401(k)s, and other retirement funds. Early withdrawal penalties still apply on top of the tax debt.
• Physical property: Real estate, vehicles, and other tangible assets can be seized and sold at public auction.

The Bank Levy 21-Day Window

When the IRS levies your bank account, the bank is required to freeze the funds immediately. But you have 21 days before the bank surrenders those funds to the IRS. That 21-day window exists to give you time to resolve the issue, claim an exemption, or demonstrate that the levy causes economic hardship. It is a short window, but it is real. Do not waste it.

Wage Garnishment Is Continuous

A bank levy is a one-time seizure of whatever is in the account on the day of the levy. A wage garnishment is different. It is continuous. Once the IRS issues a wage levy to your employer, a fixed percentage of every paycheck goes to the IRS until the debt is paid or the levy is released. The amount they can take is based on your filing status and number of dependents, but it can leave you with very little to live on. This is one of the most financially disruptive collection actions the IRS can take.

If you are already dealing with this, the wage garnishment relief page explains how it can be stopped.

Side-by-Side Comparison: IRS Lien vs. Levy

How a Lien Becomes a Levy: The Escalation Path

In most cases, a lien comes before a levy. The sequence matters because it tells you where you are in the process and how much time you have left.

Here is how the escalation typically unfolds:

1. Tax is assessed. You file a return with a balance due, or the IRS files one for you.
2. Notice and Demand for Payment is issued. This is your first formal notice that you owe.
3. The lien attaches. If you do not pay within 10 days of the Notice and Demand, the lien automatically arises against all of your property.
4. Additional collection notices follow. You may receive CP14, CP501, CP503, and CP504 notices. Each one is a step closer to enforced collection.
5. The IRS issues LT11 or Letter 1058. This is the Final Notice of Intent to Levy and Notice of Your Right to a Hearing. This is the critical notice.
6. The 30-day CDP window opens. You have 30 days from the date of the LT11 to request a Collection Due Process hearing.
7. If no request is made, the levy proceeds. Bank accounts are frozen, wages are garnished, or physical property is seized.

The lien secures the debt. The levy collects it. They serve different purposes, which is why confusing them leads to the wrong response.

The CDP Hearing: Your Most Important Protection

The Collection Due Process hearing is the single most important protection standing between you and enforced collection. It is granted by law under Internal Revenue Code Section 6330.

When the IRS issues an LT11 or Letter 1058, you have 30 days to submit Form 12153 and request a CDP hearing with the IRS Office of Appeals. During that hearing, you can challenge the appropriateness of the levy, propose collection alternatives such as an Installment Agreement or Offer in Compromise, dispute the underlying liability in some cases, and request a lien withdrawal.

Critically, requesting a CDP hearing suspends the levy while the hearing is pending. The IRS cannot seize your property during that time. This is not a delay tactic. It is a legitimate legal protection designed to give you a fair opportunity to resolve the debt before the government takes your assets.

Missing the 30-day window is one of the most costly mistakes a taxpayer can make. After the window closes, you can still request an Equivalent Hearing, but it does not carry the same protections. The IRS is free to levy while an Equivalent Hearing is pending. The full CDP right is gone once that deadline passes.

If you received an LT11 or Letter 1058, the clock is running. The date on that letter is the date that matters, not the date you opened it or the date you called someone about it.

What You Should Do Right Now

If you have a lien filed against you, you are not yet in the most dangerous position, but you need a plan. Doing nothing guarantees escalation. A lien left unaddressed becomes a levy. A levy left unaddressed becomes a garnishment that follows you to every paycheck.

If you have received an LT11 or Letter 1058, you are in the most time-sensitive position a taxpayer can be in. Every day that passes without action is a day closer to seizure.

The path forward depends on your specific situation: what you owe, what assets you have, what your income looks like, and what notices you have received. There is no generic answer. There is your answer, based on your facts.

Luisa N. Victoria is a Federally Authorized Enrolled Agent who works IRS tax resolution cases across all 50 states. She reviews the notices, identifies the deadlines, and maps out the options that are actually available to you, not the ones that sound good in theory.

If you are dealing with a lien, start with the IRS lien removal page. If wages are already being garnished, go to wage garnishment relief. If you are not sure where you stand, start with a strategy session.

Book My Strategy Session

You checked your bank account this morning. The balance is wrong. Not a little wrong. Drained. Or frozen. You try to run a transaction and it gets declined. You call the bank and they tell you the IRS placed a levy on your account.

That moment is one of the most disorienting financial shocks a person can experience. You have rent due, groceries to buy, payroll to run. And the IRS has seized the money sitting in your account.

Here is what you need to know right now: you may still have time to get that money back. Not later. Right now. Every hour matters.

This post explains exactly how an IRS bank levy works, what rights you have, and what steps can stop it or reverse it before your money is remitted to the government permanently.

What Is an IRS Bank Levy?

A bank levy is a legal seizure of funds held in your bank account. The IRS has the authority to do this under IRC § 6331, which grants the government the power to collect unpaid taxes by levying on property and rights to property. Your bank account balance is considered property under that statute.

The IRS does not need a court order to levy your bank account. It does not need your permission. Once the legal requirements are met, it sends a levy notice directly to your bank, and the bank is legally obligated to comply.

Here is the exact sequence of what happens:

1. The IRS sends a Notice of Levy to your bank.
2. Your bank immediately freezes the funds in your account up to the amount owed. New deposits made after the levy date are not captured by that levy.
3. Your account is frozen for 21 calendar days.
4. After those 21 days, unless a levy release has been issued, the bank remits the frozen funds to the IRS.

One levy captures one snapshot of your account on the day it lands. Unlike a wage garnishment, a bank levy is not continuous. But the IRS can issue new levies repeatedly if the debt is not resolved.

The 21-Day Window Is the Most Important Number You Need to Know

Twenty-one days. That is the window between the levy landing and the money being gone forever.

If you obtain a levy release within those 21 days, your bank will unfreeze the funds and return them to you. The IRS issues the release, the bank receives it, and the hold comes off. Your money comes back.

If that 21-day window closes without a release, the bank remits the funds to the IRS. At that point the money is gone. It gets applied to your tax debt, and the only path to recovering anything is through a formal refund claim, which is far harder and far slower than a levy release.

This is not a situation where you can wait a few days, make some calls, and figure it out. You need to act on the day you discover the levy. Contact a tax resolution professional immediately. Every day you wait is a day off the clock.

The IRS Does Not Levy Without Warning

A bank levy does not come out of nowhere. The IRS is required by law to send a series of notices before it can levy your bank account. If you received a levy, there was a paper trail. You may have ignored it, misplaced it, or never opened it. But the notices were sent.

Here is the standard IRS notice sequence that precedes a bank levy:

• CP14 — First notice of balance due. The IRS tells you that you owe money and requests payment.
• CP501 — First reminder. The balance is still unpaid. The IRS asks again.
• CP503 — Second reminder. Urgency increases. Payment is past due.
• CP504 — Final notice before levy action. This is the IRS telling you it intends to seize your state tax refund and warning that other levy action may follow. Many people treat this as a scare tactic. It is not.
• LT11 or Letter 1058 — Final Notice of Intent to Levy and Notice of Your Right to a Hearing. This is the most critical notice in the sequence. It gives you 30 days to request a Collection Due Process (CDP) hearing. If you request a CDP hearing within that 30-day window, the IRS cannot levy while the hearing is pending.

If you missed the LT11 or Letter 1058, you may have lost the CDP hearing right. But you still have options. Missing the CDP window does not mean you are out of moves. It means the moves are different.

IRS Bank Levy vs. IRS Wage Garnishment: Key Differences

People often confuse a bank levy with a wage garnishment. They are both IRS collection tools. They work very differently.

If the IRS has also contacted your employer, or you are concerned about wage garnishment in addition to the bank levy, see our page on IRS wage garnishment relief.

How to Get an IRS Bank Levy Released

There is no single path to a levy release. The right approach depends on your specific financial situation, how much you owe, and where you are in the IRS notice and collection process. These are the primary options:

Enter a Payment Agreement

If you can pay the full balance or commit to an installment agreement, the IRS will typically release the levy. An installment agreement puts you in “currently compliant” status. The IRS has less reason to maintain a levy when you are actively paying down the debt.

Demonstrate Financial Hardship

If the levy is causing you immediate economic hardship, you can request a release on that basis. The IRS is required under IRC § 6343 to release a levy that is creating economic hardship. This means you cannot pay basic living expenses. You will need to document it. But it is a legitimate and recognized path to getting funds unfrozen.

Request a CDP Hearing

If the 30-day window from your LT11 or Letter 1058 has not expired, you can request a Collection Due Process hearing. Filing that request puts the IRS on hold. The levy cannot proceed while the CDP hearing is pending. This buys you time and gives you a formal venue to propose alternatives to collection.

If the CDP window has already closed, you may still request an Equivalent Hearing within one year of the LT11 date. This does not stop collection, but it opens a channel to negotiate.

Submit an Offer in Compromise

An Offer in Compromise (OIC) lets you settle your tax debt for less than the full amount owed, based on your ability to pay. A pending OIC typically prevents levy action. This is not a quick process, and not everyone qualifies. But for the right taxpayer with documented inability to pay, it can resolve the underlying debt and release the levy simultaneously.

Currently Not Collectible Status

If you have no ability to pay, the IRS can place your account in Currently Not Collectible (CNC) status. Collection activity stops. The levy should be released. This is not forgiveness; the debt remains. But it stops the IRS from taking further action while you are in genuine hardship.

What Happens to Your Frozen Funds Once a Release Is Issued

Once the IRS issues a levy release notice, it sends that notice to your bank. The bank is then required to lift the freeze on your account. The funds are returned to you. They do not go to the IRS.

This is why the 21-day window matters so much. If you secure a release before the 21 days are up, your bank gets the notice, lifts the hold, and your money stays with you. If the 21 days pass before the release is issued, the bank has already sent the money to the IRS. At that point, the levy release no longer returns funds. It just prevents the IRS from coming back for more.

Once money is remitted to the IRS, recovering it requires a formal abatement or refund claim. That process is slower, less certain, and more complicated than simply stopping the levy before it completes. Do not let the clock run out.

Joint Accounts and Business Accounts

The IRS can levy joint accounts. If your name is on an account with a spouse, a parent, or a business partner, that account is at risk if you have an unpaid tax liability. The IRS takes the position that any funds in an account you have ownership rights to are subject to levy.

The other account holder may have recourse to claim their portion of the funds was wrongfully levied, but that process requires filing a claim with the IRS and proving which funds belonged to whom. It is not fast, and it is not guaranteed.

Business accounts follow a similar logic. If the tax debt is a personal income tax debt, the IRS can levy a business bank account if you are a sole proprietor or if the account is in your name. If the business is a separate legal entity, such as a corporation or LLC, the rules become more nuanced. The IRS distinguishes between personal tax debts and business tax debts, and between entity accounts and personal accounts used for business.

If the IRS levied a business account and the debt is a payroll tax or trust fund issue, that is a separate and serious matter. The Trust Fund Recovery Penalty can make you personally liable for the company’s unpaid payroll taxes. That liability can follow you even if the business closes.

In any joint or business account situation, document everything. Know whose money was in the account, when it was deposited, and what it was for. That documentation becomes your evidence if you need to fight the levy or file a wrongful levy claim.

You Have Rights. Use Them Before the Clock Runs Out.

A bank levy feels like the end of the road. It is not. The IRS has collection powers that are real and significant. But the tax code also contains real protections for taxpayers. Hardship relief exists. CDP hearings exist. Installment agreements, OICs, and CNC status exist. These are not loopholes. They are the legal framework Congress built into the system because the IRS is not supposed to destroy people financially while collecting a debt.

What makes the bank levy uniquely dangerous is the 21-day window. Every other IRS collection problem gives you some time to think. The levy does not. When you discover it, your response time is measured in hours, not weeks.

Luisa N. Victoria is a Federally Authorized Enrolled Agent who represents taxpayers before the IRS in all 50 states. If the IRS has levied your bank account, contact her office today. Not tomorrow. Today.

If you are also dealing with wage garnishment, or concerned the IRS may contact your employer next, read about IRS wage garnishment relief and how it can be stopped.

Book My Strategy Session

You owe the IRS money, and now you have learned they filed a federal tax lien against you. Maybe you found out when your bank flagged it, or your real estate attorney mentioned it when you were trying to refinance. Either way, a federal tax lien on your property is not a minor inconvenience — it is a legal claim that attaches to everything you own and follows you until it is resolved. Here is exactly what it does, what it does not do, and what your options are.

What Is a Federal Tax Lien?

A federal tax lien is the IRS’s legal claim against all of your property — current and future — when you neglect or fail to pay a tax debt after a formal demand for payment. Under IRC § 6321, the lien arises automatically when the IRS assesses a tax, sends a Notice and Demand for Payment, and you fail to pay the full amount.

The lien itself is invisible until the IRS files a Notice of Federal Tax Lien (NFTL) in the public record. This is what makes it searchable by creditors, title companies, and anyone who pulls a credit report. Once that notice is filed, the lien becomes a matter of public record and attaches to:

• Your home and any real property you own
• Your vehicles and other personal property
• Business assets if the debt is business-related
• Financial accounts and securities
• Property you acquire in the future, until the lien is released

What a Lien Does to Your Home Specifically

A federal tax lien on your home means the IRS has a secured interest in that property. You still own it. You can still live in it. The IRS cannot walk in and throw you out because of the lien alone — that requires a levy, which is a separate action. But the lien creates serious practical problems:

You cannot sell without dealing with the lien. A title company running a search before closing will find the NFTL. Proceeds from the sale will go to satisfy the IRS debt before you receive any equity. If your equity does not cover the full debt, selling becomes complicated quickly.

Refinancing becomes nearly impossible. Most lenders will not approve a new mortgage or refinance if a federal tax lien is attached to the property. The IRS has priority over most other creditors, which makes the loan too risky for conventional underwriting.

Your credit takes a hit. The major credit bureaus stopped reporting federal tax liens in 2018, but many lenders run their own public records searches or use specialty credit bureaus that still include lien data. It can affect loan approvals even when the credit score itself does not reflect it.

The 4 Ways to Deal With an IRS Tax Lien on Property

Discharge of Property — The Option When You Need to Sell

If you need to sell your home and the IRS has a lien against it, you can apply for a Certificate of Discharge. This removes the lien from that specific property so the sale can proceed. The catch: the IRS gets paid from the proceeds. If your equity covers the debt, that is a clean resolution. If your equity does not cover the full amount owed, the IRS may still grant a discharge if the proceeds reduce the debt meaningfully — but this requires careful negotiation.

Subordination — The Option When You Need to Refinance

Subordination does not remove the lien; it moves it to second position behind a new lender’s mortgage. This makes the refinanced loan acceptable to the lender because the bank’s security interest now takes priority. The IRS will typically agree to subordination if the refinance will be used to pay off the IRS balance, or if the taxpayer can demonstrate they will be better positioned to pay going forward.

Withdrawal — Getting It Off the Public Record

Under the IRS Fresh Start program, you may qualify for lien withdrawal if you enter a Direct Debit Installment Agreement (DDIA) with a balance under $25,000. The IRS withdraws the public NFTL after three consecutive on-time payments, even though the debt still exists. This has no effect on the underlying debt — the IRS still has its claim — but removing the public record protects your credit and makes future financing far easier.

How Long Does an IRS Tax Lien Last?

A federal tax lien has a 10-year life tied to the IRS’s collection statute of limitations (CSED). The IRS has 10 years from the date of assessment to collect. Once that period expires, the lien automatically lapses and must be released.

Important caveat: the IRS can refile the lien before it expires, extending it. And certain actions — filing for bankruptcy, requesting a Collection Due Process hearing, or submitting an Offer in Compromise — can toll (pause) the CSED and extend the lien’s effective lifespan beyond the original 10 years. Knowing where you are in the CSED timeline is critical before deciding on a resolution strategy.

IRS Lien vs. IRS Levy — They Are Not the Same Thing

This distinction matters. A lien is a legal claim against your property. A levy is the actual taking. The IRS can file a lien and not immediately levy your assets — but a lien is often the step that precedes levy action. If you receive a Notice of Intent to Levy (Letter 1058 or LT11), you have 30 days to request a Collection Due Process hearing, which stops the levy action while your case is reviewed. A lien does not give you that same window automatically — but the CDP process applies to both.

What Happens If You Ignore the Lien

The lien stays. It accrues no additional penalty on its own, but the underlying tax debt continues to accumulate interest and penalties. The lien blocks your ability to sell, refinance, or borrow against the property until it is addressed. Meanwhile, the IRS can escalate to levy — seizing bank accounts, garnishing wages, or in some circumstances pursuing seizure of the actual property through a judicial process.

Get a Clear Picture Before the Lien Blocks Your Next Move

A federal tax lien on your property does not have to end in a forced sale or a frozen asset. The four options above — payment, discharge, subordination, and withdrawal — all have specific qualification criteria, application processes, and timelines. Choosing the wrong one, or applying incorrectly, can cost you weeks and put a transaction at risk.

Luisa N. Victoria is a Federally Authorized Enrolled Agent who handles lien resolution for clients across all 50 states. She pulls your IRS transcripts, identifies where you are in the collection timeline, and maps out a strategy that protects your property and gets the lien addressed on terms that work for your situation.

Learn more about IRS lien removal options, or book a strategy session to get a clear picture of your specific situation.

Book My Strategy Session

Your employer just got a notice from the IRS. Starting with your next paycheck, a portion of your wages will be sent directly to the IRS before you ever see the money. This is a wage garnishment — technically called a wage levy — and it can take a significant chunk of your take-home pay every single pay period until your debt is resolved. Here is exactly how it works, how much the IRS can take, and the specific steps you can take to stop it.

How IRS Wage Garnishment Works

An IRS wage garnishment is not the same as a creditor garnishment. The IRS does not need a court order. Under IRC § 6331, the IRS has the authority to levy your wages after following a specific notice sequence. Once the process is complete and the levy is in effect, your employer is legally required to withhold and remit the garnished amount directly to the IRS. Your employer has no choice in the matter.

The IRS must send you several notices before levying your wages:

1. Notice and Demand for Payment — the initial bill after assessment
2. CP503 — second reminder that you have an unpaid balance
3. CP504 — Final Notice before levy; the IRS can now seize your state tax refund
4. Letter 1058 or LT11 — Notice of Intent to Levy and Notice of Your Right to a Hearing

Letter 1058 / LT11 is the critical one. Once you receive it, you have 30 days to request a Collection Due Process (CDP) hearing. If you request the hearing within that window, the IRS cannot levy while the hearing is pending. If you miss the 30-day window, the IRS can proceed with the levy.

How Much Can the IRS Take From Your Paycheck?

Unlike a creditor garnishment limited to 25% of disposable income under federal law, the IRS can take far more. The IRS calculates how much of your wages are exempt from levy based on your filing status and number of dependents, using Publication 1494 tables. Everything above that exempt amount can be taken.

Exempt amounts are updated annually. The amount you keep is modest — on a $5,000/month salary as a single filer with no dependents, the IRS can take roughly $3,850 per month.

This is why a wage garnishment can feel financially devastating. It is not capped at a modest percentage — it is capped at a modest dollar amount, and everything above that goes to the IRS.

How to Stop an IRS Wage Garnishment

There are several ways to stop an active wage garnishment. The right path depends on where you are in the process and your financial situation.

1. Request a Collection Due Process Hearing (Before the Levy Starts)

If you received Letter 1058 or LT11 and have not yet missed the 30-day window, file Form 12153 immediately to request a CDP hearing. The IRS cannot levy your wages while your CDP request is pending. A CDP hearing gives you the right to propose alternative collection arrangements — an installment agreement, Offer in Compromise, CNC status — in front of an IRS Appeals officer who is independent of the collection division.

2. Enter a Payment Agreement

If you establish an approved installment agreement with the IRS, the wage levy must be released. The IRS will not simultaneously garnish your wages and accept monthly installment payments. Getting into an installment agreement — even a streamlined one — stops the garnishment and converts your debt into a manageable monthly payment. The agreement must be approved and active before the release occurs.

3. Demonstrate Financial Hardship

If the garnishment leaves you unable to cover basic living expenses — rent, utilities, groceries, essential transportation — you can request that the IRS release the levy based on hardship under IRC § 6343. This does not resolve the underlying debt, but it stops the seizure while you work toward a formal resolution. The IRS requires documentation of your income, expenses, and essential living costs.

4. Submit an Offer in Compromise

If you qualify for an Offer in Compromise, submitting one places a hold on levy action while the offer is under consideration. The IRS cannot garnish wages on an account where an OIC is pending. This is not a reason to submit a frivolous offer — the OIC must be genuine and based on your actual ability to pay — but for qualifying taxpayers, the OIC process itself provides protection from collection.

5. Request Currently Not Collectible Status

If your financial situation is severe enough that you cannot pay anything toward your tax debt without compromising basic living expenses, the IRS can place your account in Currently Not Collectible status. Once CNC is granted, wage garnishment and other levy action stops. The underlying debt remains and interest continues to accrue, but the IRS suspends active collection.

What If the Garnishment Already Started?

A levy that is already in effect can still be released. The same options above apply — entering a payment agreement, requesting hardship release, submitting an OIC — but time is now more critical because every pay period the garnishment runs, money leaves your paycheck. Once a release is approved, the IRS notifies your employer directly. Releases typically take effect within 1-3 business days of IRS approval. Any amounts already withheld before the release are not returned.

What Your Employer Cannot Do

Under IRC § 6332(d), employers are legally prohibited from firing you solely because of an IRS wage levy. Federal law protects you from termination for having a single creditor garnishment — the IRS levy falls under similar protections. That said, multiple garnishments or other performance issues are separate matters. If you believe your employer has treated you adversely solely due to the IRS levy, consult an employment attorney.

The Fastest Path Is the Right Path — Not the Easiest One

The fastest way to stop a wage garnishment is to resolve the underlying debt. Every day the garnishment runs, it takes money you need for basic living. The options above — CDP hearing, installment agreement, hardship release, OIC — each have specific timelines, documentation requirements, and eligibility criteria. The wrong approach can delay relief by weeks or produce a resolution that is more expensive than it needs to be.

Luisa N. Victoria is a Federally Authorized Enrolled Agent who handles IRS wage garnishment cases for clients in all 50 states. She contacts the IRS directly on your behalf, pursues levy release as quickly as possible, and builds a resolution strategy that stops the bleeding and addresses the underlying debt on terms that make sense for your income and expenses.

Learn more about wage garnishment relief options, or take the first step now.

Book My Strategy Session