“If you are facing an IRS wage garnishment, it could have lasting financial impact and cause severe financial hardship. The good news is there is help available to get IRS wage garnishments released quickly. ”
- Alyssa Maloof Whatley
How Does The IRS Determine The Amount To Garnish From Your Paycheck?
The IRS calculates the amount of wages to garnish based on the standard deduction and calculated in part based on the number of dependents you are allowed for the year in which the levy is served. Your employer should provide you with a Statement of Dependent and filing Status to complete and return within 3 days. If you do not return the statement in three days, your exempt amount is figured as if you are single with no dependents.
Can The IRS Garnish Wages Without Notice?
No, by the time you are facing wage garnishment, the IRS has sent several notices including a Notice of Levy with rights to a hearing. Within the wage levy process itself, there is another timeline for a response from the taxpayer.
It’s critical that you, or a tax professional make a timely response on your behalf before your employer receives the wage garnishment notification.
Two jobs? You might pay more.
If a taxpayer has two jobs, there are circumstances where the IRS might garnish all the wages from a second job to satisfy an outstanding tax debt. If you receive a 1099, the IRS can levy 100% of 1099 income.
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What Kind Of Income Are Protected Or Exempt From IRS Garnishment?
The IRS cannot garnish the following sources of income:
Disability payments and Social Security benefits
Veterans’ Federal Benefits
State disability benefits (ABD)
State welfare benefits (TANF)
Supplemental Security Income (SSI) benefits
Compensation for unemployment, except for child support you owe
Any child support payments you receive
Federal student loans