Donna T.

Thanks to TaxDebtAid.com I was able to setup an IRS Payment Plan that was reasonable, affordable, and practical.

Manny S.

The IRS was levying my bank account because I moved addresses and missed their letters telling me I owed them $10,000 from a side business. TaxDebtAid.com got me in the hands of the right professionals that stopped the garnishment quickly.

John W.

I was able to settle with the IRS for literally 60% less than I owed. Thank you!

Where Should You Start With Unpaid Taxes and Tax Debt?

tax professionalsTax debt or back taxes are a pretty common issue facing many Americans and their businesses. If tax liabilities are not addressed more problems usually arise (Levy, Liens, bankruptcy etc). Begin by using the left side bar to identify your main tax problem. With many financial issues, sometimes with enough work you can tackle the problem yourself and we provide you with info so you can get a better understanding. However, with many common tax issues seeking advice and knowing your options is the first step and highly recommended. Call us for help. The consultation will help your understand your options. Tax debt experts will give you recommendations and you can decide if you want help after your first free consultation. We bring you experts (CPAs, Attorneys, Former-IRS Agents) who can help with Internal Revenue Service penalties including Wage Garnishment, Wage Levies, Bank Levies, Tax Liens, and Unfiled Tax Returns providing you with tax debt help you can trust. Tax Debt Reduction and Settlement are outcomes with our staff.

Find Your Tax Problem Below or Use Left Blue Side Bar

Federal and State Tax Wage Garnishment or Wage Levy

Tax Wage Garnishment is one way in which the IRS (Internal Revenue Service) or State Tax Collection Agency attempts to recover back taxes you owe by garnishing your salary or wages. They do this by notifying your employer. A levy is the more general subject matter (discussed below). The (IRS) can garnish a significant part of your paycheck. The IRS or State Collection Agency can garnish your wages without a court order. Federal law states that a consumer can exempt up to 75% of disposable weekly earnings or 30 times the minimum wage which is currently $5.85 (whichever is greater). In other words, the government cannot take more than 25% of your weekly after-tax income or 30 times the minimum wage. State tax collectors can also garnish your wages. Each state has different laws with wage garnishment but typically it can result in 25% of your net income being garnished. If you believe that the amount you are left with is insufficient for basic necessities like food & shelter please contact us for a Wage Garnishment Release. We can help you eliminate or reduce your unpaid tax balance potentially!

State & IRS Wage Garnishment Laws & Exemptions
More Information About IRS Wage Garnishment

Federal and State Tax Levy

A tax levy is second tax enforcement method (after a Lien [below]) for the IRS or State Tax Collection Agency to recover taxes. This is another form of how the Internal Revenue Service or state collection agencies seize your personal property. In fact, Wage Garnishment is one form of a levy and is often referred to as a Wage Levy (see above). However, this can include such things as seizure of bank accounts, home, equipment, vehicles, boats, and anything else of value. The Internal Revenue Service will typically send a liable tax individual many IRS letters before taking action. Usually a Final Notice of Intent to Levy personal property is sent 10 days before action is taken. These letters are often referred to as "IRS Notice Intent to Levy. If you have received a letter from the IRS contact us so we can help you remove the levy.

For more information about an IRS Tax Levy

Federal and State Tax Liens

A Tax Lien is usually the first major action the IRS or State will do in order to collect back taxes. A Lien happens only if the following applies:

               A) Internal Revenue Service or State notifies you and demands payment
               B) You fail to respond or send payment

The Internal Revenue Service or  State will first put a lien on personal property before a levy (above). A Lien is a charge or claim against your assets with notification to public record systems. This informs the public that State or Feds have a claim on your assets. This means essentially, that all creditors are second in line to government in claim to your assets (house, car, boat, etc). Moreover, you cannot usually buy a home if you have a lien and a lien can severely impact your credit.

The Lien needs to be released in order for you to regain control of assets. To  release it, in other words, you need to pay off your unpaid tax in order to gain back control of your property or assets. If you have received a letter from the IRS regarding a Lien, sign up for a free tax lien consultation to see how we can help. Realize that the first consultation is free of charge and comes with no obligation to see if we can help.

For more information about an IRS Tax Lien click the former link.

IRS Tax Penalties & Penalty Abatement

Do you have back taxes and penalties that are adding up? Can't pay them?

IRS and State Penalties can add up over time. Sometimes, you may not even be notified of the tax penalties that take a small sum to a new level, increasing the outstanding balance. At TaxDebtAid.com, we can help you get those penalties reduced, if not refunded. However, realize that typically the Feds needs to hear a good explanation or " Reasonable Cause" for why they are unpaid. Severe financial strain, illness and/or death in the family, are some of the reasons that may be acceptable. The link to tax penalties below will give you more detail on those reasons such as Reasonable Cause for Penalty Abatement. Whether you want to avoid penalties or want a refund on penalties you have incurred you will need to submit a Penalty Abatement Request. However, this requires expert advice as a request requires detailed knowledge of proper procedure and laws.

For more information about back Tax Penalties or Penalty Abatement

Innocent Spouse Relief - Separation of Liability - Equitable Relief

Are you responsible for your ex-husband's or ex-wife's back taxes? Do you foresee yourself not being able to pay? 

Many taxpayers file their tax returns jointly because of the tax benefits it provides. However, this still means that both individuals are jointly and individually responsible for the taxes, and any penalties or interest incurred. Death, Divorce , or even if your spouse made all the money does not change each individual's obligation. The IRS specifically states, that both individuals are held responsible even if they divorce and the divorce decree states your spouse is responsible (everyone is still responsible).

However, in some cases an "innocent spouse" may not have to pay the balance including interest and penalties. Usually there are three ways this happens. These three ways are: Innocent Spouse Relief, Separation of Liability, and Equitable Relief.

For More Info: Innocent Spouse Relief

Unfiled Tax Returns - File Delinquent Tax Return

Do you have an Unfiled Personal Tax or Business Tax Return? Need to file a Delinquent Tax Return?

IRS and State Tax Penalties can add up if you fail to file a return. If you fail to file a tax return, the Internal Revenue Service will send you a notice. If if they receive no response from you, they will estimate how much you owe by creating a Substitute for Return. This assessment is usually done by estimating your liability based on your wages, and asset sales. Moreover, when they create your return they assume you are single with standard deductions.

Without a return filed, many solutions are out of reach (like an Offer in Compromise, Installment Agreements etc) and more problems only arise. For example, without taxes paid or if the Internal Revenue Service does not get notified why you did not file a return and/or pay, Liens can be issued, a Trust Fund Recovery Penalty can be incurred for unpaid employment taxes.

More Info on Unfiled Tax Returns

Bank Account Garnishment or Bank Account Levy

Is the Internal Revenue Service or State trying to seize or have seized part or all of your bank account?

In order to collect back taxes the Internal Revenue Service can freeze or seize part or your whole bank account. This is usually referred to Bank Account Garnishment or a Bank Account Levy. The IRS will notify your bank and seize your bank account with a "Notice of Intent to Levy." However, this seizure is only at that specific day. In other words, they can only seize the money you have at the time of the initial bank account levy. If you have been hit with a Bank Account Levy, get a free quote for a Bank Account Levy as you have 21 days to release it (stop the money from going to the Internal Revenue Service and have it returned to you). Once your bank receives the Intent to Levy letter they will hold your funds 21 days before sending it to the IRS so have us contact you today before you lose your money.

Read More or Get Help with a Bank Account Levy

*Tax Settlment for Less is a Rare Occurrence but Resolving Tax Issues Is Not