03/16/2026
When I worked as a Revenue Agent, wage garnishments were usually one of the final steps I took in the enforced collections process. Most of the time I started with a bank levy. A bank levy was simple. It took whatever funds were in the account at that moment and the action was finished.
In some cases I could send bank levies, clear out the entire tax debt, and never hear from the taxpayer.
Wage garnishments were different.
When I sent out a wage garnishment, the phone almost always rang. It usually happened shortly after their boss or payroll department contacted the taxpayer. Suddenly the situation became very real.
Bank levies often brought out defiance. No one else knew what was going on. The taxpayer could keep it private. They could argue about the debt. They could threaten to move their money to another bank.
Wage garnishments changed the conversation completely. Instead of arguing about the debt, the question almost always became the same.
What do I need to do to fix this?
Even when enforcement has started, resolution options can still exist depending on the financial situation. Installment agreements, hardship status, or other resolution paths may allow the garnishment to be released once the case is properly addressed.
If you or someone you know is dealing with an IRS wage garnishment, bank levies, or wants to understand their options, feel free to connect or send a message. Resolving these situations is the work I do.