Seeing part of your paycheck disappear because of an IRS or New York State garnishment can feel overwhelming. The good news? You have rights — and solutions — to get your income back.
What Is a Wage Garnishment?
Both the IRS and the NY State Department of Taxation and Finance can order your employer to withhold a portion of your wages to repay tax debt. The percentage depends on your income and filing status, but most taxpayers are left struggling to cover everyday bills.
Before a garnishment starts, the IRS must send a Final Notice of Intent to Levy, while New York State issues a Notice of Garnishment. Either notice gives you a short window to act.
How to Stop Wage Garnishment
You can stop or prevent garnishment by taking quick, informed action:
- Set up an Installment Agreement. A payment plan halts collection once accepted.
- Request Currently Not Collectible (CNC) Status. If paying now creates hardship, collections pause.
- Submit an Offer in Compromise. Settle your balance for less than you owe if eligible.
- File an Appeal. If the IRS or state made an error, you can challenge the action.
Why Working with a CPA Matters
At Fine & Clear Tax Solutions, Guy Finocchiaro, CPA, and Annamaria combine deep IRS knowledge with a practical understanding of NY State tax law. They know exactly how to navigate both systems and get garnishments lifted quickly.
If your wages are being withheld, contact Fine & Clear Tax Solutions in Uniondale today. We’ll speak directly with the IRS or NYS Tax Department on your behalf and protect your paycheck.