Wage Garnishment

Stabilize quickly, protect take-home pay, and move toward a durable resolution.

Garnishment active? Deadlines move fast. The sooner we act, the more options we have.

What we do

  • Immediate triage: contact the IRS/state to request a hold or reduced withholding where appropriate.
  • Employer coordination: communicate professional instructions your payroll/HR can follow.
  • Relief options: evaluate installment agreement (IA), currently-not-collectible (CNC), or other paths.
  • Prevent repeats: map a compliance plan so the garnishment doesn’t return.

What to expect

  • Clear checklist and timeline
  • Updates after each agency contact
  • Focus on both near-term relief and long-term fix

What to gather

Notices & payroll

  • Copy of the garnishment notice (IRS/state)
  • Latest pay stub and pay frequency
  • Employer payroll contact (HR/payroll service)

Financial picture

  • Monthly income and necessary living expenses
  • Any existing payment plans or prior correspondence
  • Missing returns or balances by year (if known)
If information is incomplete, send what you have—we’ll prioritize the rest.

Our process

1

Stabilize

Request holds/reductions and clarify employer instructions.

2

Document

Assemble income/expense, filing history, and hardship support.

3

Negotiate

Pursue IA/CNC or alternate relief; confirm agency acceptance.

4

Prevent

Set reminders/estimates so you stay compliant going forward.

FAQs

It depends on timing and the agency’s response. We act immediately and work with your employer to implement any approved changes as fast as possible.

Not necessarily. Many cases qualify for installment agreements or hardship-based relief that reduce or pause garnishments while you get compliant.

Yes. With your authorization, we’ll coordinate with HR/payroll to ensure they have correct, current instructions.