Facing IRS Collections? You’re Not Alone
Getting a notice about a lien, levy, or wage garnishment from the IRS or state tax agency is stressful and for many, overwhelming. At Kugelman Law, we help people navigate tax collections with clarity and confidence.
Our team of experienced attorneys works to protect your assets and guide you toward the best possible resolution, based on your financial situation and rights as a taxpayer.
Don’t Let Fear Be Used Against You
Some tax firms play on fear to charge high fees without offering real solutions. We believe in a different approach: giving you clear, honest guidance so you can make informed decisions. In some cases, taxpayers can handle collections on their own. In others, it makes sense to work with a qualified tax attorney.
Every case is unique, but there are some common patterns in how IRS collections work and what options are available.
Generally, most taxpayers can take action to prevent liens and levies.
How IRS Collections Work
Most IRS collections are civil, not criminal. While serious fraud cases can lead to criminal charges, these are rare. For most taxpayers, the concern is about how the IRS will attempt to collect what they believe is owed.
There are two main enforcement tools:
1. Levies
A levy means the IRS is actively taking your assets to pay a tax balance. This can include:
- Wage garnishment (part of your paycheck sent directly to the IRS)
- Bank account levy (funds withdrawn from your account)
- Seizure of property (in rare cases, items like real estate or valuables)
2. Liens
A lien is the government’s legal claim against your property. It attaches to any real estate you own and is recorded in your county. This can cause issues if you try to sell or refinance.
Can You Prevent IRS Enforcement?
In many cases, yes. The IRS usually takes collection action only after certain conditions are met. To avoid enforced collection like liens or levies, you need to:
- Be current on all tax filings (even if you can’t pay)
- Make estimated payments for the current year if required
Once those boxes are checked, you may qualify for an alternative resolution.
Your Options for Resolving Tax Debt
Offer in Compromise
This is a settlement where the IRS agrees to accept less than the full amount owed. It’s based on your income, assets, and expenses.
Installment Agreement
You make monthly payments over time. Taxpayers who owe less than $50,000 may qualify for a simplified online agreement without submitting financials.
Currently Not Collectible (CNC) Status
If you’re unable to pay anything due to financial hardship, the IRS may temporarily pause collection efforts.
To determine what you qualify for, you’ll need to complete IRS Form 433 and review IRS financial standards. You can also use the IRS Offer in Compromise Pre-Qualifier Tool as a first step.
How Kugelman Law Can Help
Our firm includes attorneys and professionals with deep experience resolving tax collection matters, including former IRS personnel. We know how to navigate the system and help clients reduce risk and stress.
We take a practical approach helping you understand where you stand, what options are available, and what steps to take next.
Whether your case is simple or complex, our goal is to resolve it as efficiently as possible.
Did you know? Taxpayers that owe less than $50,000 can set up a streamlined installment agreement online without providing any financial information.
Please contact Kugelman Law today for a consultation if you would like us to advocate on your behalf.