Facing IRS collections can feel overwhelming, especially if you’re unsure why it’s happening or how to respond. When unpaid taxes go unresolved, the IRS has powerful tools to enforce payment, such as wage garnishments, tax liens, or even asset seizures.

But you don’t have to navigate this process alone. Understanding the basics of IRS collections, what triggers them, and your rights as a taxpayer can make all the difference in resolving your situation.

What Are IRS Collections?

When a taxpayer owes money to the IRS, the agency starts by sending notices to inform them of the debt and request payment. If the debt remains unresolved, the IRS may escalate its efforts, leading to enforcement actions like tax liens, levies, or wage garnishments. These measures are designed to compel payment but can significantly impact a taxpayer’s financial situation if not addressed promptly.

The process typically begins with a Notice of Unpaid Taxes, such as a CP14 or CP501, which outlines the amount owed and includes a due date for payment. If the taxpayer doesn’t respond or pay, the IRS may issue additional notices, such as the CP503 or CP504, which warn of potential collection actions. If these notices are ignored, the IRS can move forward with a Final Notice of Intent to Levy, giving the taxpayer a 30-day window to respond or resolve the issue before enforcement begins.

IRS collections are triggered when a taxpayer fails to meet their tax obligations. This can occur for several reasons, including:

• Unpaid Taxes: If you don’t pay your tax bill in full by the deadline, the IRS will consider the balance delinquent and begin the collection process.
• Failure to Respond to Notices: Ignoring IRS communications can escalate your case, as the agency assumes you’re unwilling to cooperate.
• Unfiled Tax Returns: Even if you can’t afford to pay your taxes, failing to file your return makes the situation worse. The IRS may file a substitute return on your behalf, often resulting in a higher tax liability.

Your Rights as a Taxpayer

When dealing with IRS collections, it’s essential to know that you have specific rights as a taxpayer.

The IRS operates under the Taxpayer Bill of Rights, which ensures fair treatment and provides protections during the collection process. Familiarizing yourself with these rights can empower you to respond effectively and avoid unnecessary financial strain.

Here are some key rights you should know:

• The Right to Be Informed: The IRS is required to provide clear and timely communication about your tax situation, including notices about what you owe, how it was calculated, and what actions the agency might take.
• The Right to Pay What You Owe (and No More): You’re entitled to an accurate calculation of your tax liability and can dispute amounts you believe are incorrect. If you’ve overpaid, you have the right to request a refund.
• The Right to Appeal: If you disagree with an IRS decision, you can formally appeal through the Office of Appeals. This process allows you to challenge liens, levies, or other enforcement actions.
• The Right to Request a Payment Plan: If you cannot pay your taxes in full, you can apply for an installment agreement to spread payments over time. The IRS offers options tailored to individual financial situations.
• The Right to Privacy and Confidentiality: The IRS must respect your privacy during the collection process. Any enforcement action, such as a lien or levy, should be proportionate and avoid unnecessary harm.

Why Professional Guidance Matters

Dealing with IRS collections is stressful, and making the wrong move can make your situation worse. That’s why having the right representation matters—not just any tax professional, but a law firm that understands the intricacies of IRS collections and is committed to achieving the best outcome for you.

At The Law Offices of Alyssa Maloof Whatley, we offer a personalized approach to resolving your tax issues. Our firm is dedicated to protecting your rights, minimizing financial harm, and guiding you through every step of the IRS collection process.

With extensive experience in handling liens, levies, wage garnishments, and payment negotiations, we know how to navigate the system to your advantage.

Here’s how we can help:

• Tailored Solutions: No two tax situations are the same. We take the time to understand your unique financial circumstances and craft a strategy designed specifically for you.
• Proactive Communication with the IRS: We act as your advocate, handling communications directly with the IRS to ensure your case is presented effectively and your rights are respected.
• Negotiation: Whether it’s setting up an installment agreement or pursuing an Offer in Compromise, we have the skills and experience to negotiate terms that work for you.
• Dedicated Support: Unlike larger firms that treat you like just another case, we pride ourselves on offering personalized attention and keeping you informed every step of the way.

Take Control of Your IRS Collections Today

Facing IRS collections can feel overwhelming, but understanding your rights and taking proactive steps can help you regain control of your financial future. Whether it’s responding to notices, setting up a payment plan, or appealing an IRS decision, acting quickly is key to preventing the situation from escalating further.

At The Law Offices of Alyssa Maloof Whatley, we pride ourselves in helping taxpayers navigate IRS collections and other tax challenges. If you’re dealing with unpaid taxes, liens, levies, or other collection actions, we’re here to provide the legal support and solutions you need.

Don’t wait until the IRS takes enforcement action—contact us today to schedule a consultation. Let us help you protect your rights and find the best path forward to resolve your tax issues. The sooner you take action, the sooner you can move toward financial peace of mind.