Getting to Grips with Wage Garnishment

Getting to Grips with Wage Garnishment

Have you ever heard of a wage garnishment? If you haven’t, and you are responsible for paying the IRS what you owe them, then you should read on! If you’re in a position where you owe the IRS money already, then you shouldn’t just read on, but take note because wage garnishment is something that could very easily be in your future!

Every taxpayer knows that Uncle Sam needs his pound of flesh (or at least roll of dollars), regardless how many mouths you have to feed, and how high your mortgage payments are now that the financial world is in crisis, or how your income has changed. Uncle Sam doesn’t care if you’ve lost your job, or had to take unpaid leave because of health reasons. If you owe Uncle Sam money, he wants it; and in the form of wage garnishments, he’s going to make sure that he gets it.

There are strict procedural guidelines that the IRS must adhere to before they can attach a wage garnishment to your salary, and the first of these is to warn you that it’s about to happen. If you haven’t defaulted on your tax payments, then you need to immediately contact them because they need you in default in order to proceed! If you’re not in default, then they can’t put a wage garnishment onto your salary. You should get about 30 days warning of the wage garnishment going into effect so check the date that it is due to begin and use your time wisely.

If you’re already finding it difficult financially, imagine how much worse it’s going to be if the IRS takes money from your monthly income before you get a chance to see it? It’s difficult enough to decide which bills get paid when your income no longer covers your monthly outgoings. If the IRS has a wage garnishment on your salary, then they take what they want and you have to make do with what’s left. As soon as you get that warning letter, notice of levy, you need to act fast.

Find the services of a reliable tax relief specialist. You need someone who is experienced in wage garnishment issues so that they know their way around the system. You don’t have time for them to learn the process on your case, you need someone who already knows the process and can stop the wage garnishment being put into place. These specialists will be able to guide you through the process, and mediate with the IRS on your behalf so that an amicable agreement is reached regarding your tax debt to the IRS.

As the recession tightens its grip, an increasing number of people are finding themselves in a wage garnishment situation. A recent news story from Lima, OH suggested that there was a 24% increase in these cases compared with the same 5-month period in 2008. Uncle Sam wants his money, if you didn’t have it to pay when it was due, chances are you don’t need him taking it from your wages so if you owe the IRS money, or you get a letter telling you that you are about to have a wage garnishment or wage levy attached to your salary – don’t wait until it’s too late to stop it.

Pick up the phone and call Mike Habib at 1-877-78-TAXES [1-877-788-2937] or send us an inquiry. Make an appointment with Mike Habib who knows what he’s doing, and ensure that the wage levy is stopped before it gets started!

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