06/01/2026
"Doesn't the Consumer Credit Protection Act limit IRS garnishments to 15%?" I hear this ALL THE TIME - and it's dangerously wrong.
Here's the truth about IRS wage levies:
❌ MYTH: CCPA limits IRS to 15% or 25%
✅ TRUTH: IRS is EXPLICITLY EXEMPTED from CCPA limits
The Consumer Credit Protection Act limits:
• Credit cards, car loans → 25% max
• Student loans → 15% max
• BUT THE IRS? No limit.
What the IRS actually uses: Publication 1494
Your levy amount is based on:
• Number of dependents
• Filing status
• Pay frequency
• Exemption amount (what you keep)
How BRUTAL can it be?
Example 1: Single, no dependents, $2,000/bi-weekly
• You keep: ~$600 (exemption amount)
• IRS takes: ~$1,400 (70% of your paycheck)
Example 2: Same person, $3,000/bi-weekly
• You keep: ~$600 (same exemption)
• IRS takes: ~$2,400 (80% of your paycheck)
The more you make, the more they take. No 15% cap. No 25% cap.
Why this myth is DANGEROUS:
People see "Notice of Intent to Levy" and think "I can live on 85%" - but when the levy hits, they're losing 70-80% of their pay. By the time you realize the damage, you're behind on rent, mortgage, car payments, everything.
We stop IRS levies before they destroy your paycheck:
✅ Release existing levies (often within 24-72 hours)
✅ Negotiate payment plans you can actually afford
✅ File for Currently Not Collectible status
✅ Pursue Offer in Compromise (settle for less)
Don't wait until 80% of your paycheck is gone.
📞 Need Tax Help: 1-877-LEVY-KING (1-877-538-9546)
🌐 Need a Fresh Start: www.levyking.com
📅Book a Call: www.legacytfp.as.me
The Levy King stops IRS levies before they destroy your paycheck.
