IRS levy help focused on deadlines and financial facts

Individuals, self-employed taxpayers, and businesses facing a proposed or active IRS levy on a bank account, wages, retirement funds, receivables, merchant-processor proceeds, customer payments, benefits, or other property or rights to property.

• A final notice of intent to levy was received
• A bank account, wages, receivables, or benefit payment is affected
• A hearing or response deadline is approaching
• Economic hardship or another collection alternative must be documented

• The final levy notice, hearing-right notice, served levy, service date, affected tax periods, third party, and property or payment stream reached
• Account-transcript assessments, accrued additions, payments, credits, and any disputed or unposted amounts
• Return-filing status, current estimated-tax payments or federal tax deposits, and the status of any pending collection submission
• Bank-account ownership and deposit sources or, for a business, the customers, receivables, merchant proceeds, and operating funds affected
• Household or business income, necessary expenses, assets, debts, available equity, and evidence supporting any immediate-hardship position
• Prior installment agreements, offers, appeals, bankruptcy filings, levy-release requests, and IRS communication history

Send the complete notice and envelope immediately. We triage active deadlines first, then gather transcripts, returns, payment history, income, expenses, assets, debts, and documents supporting any claimed hardship or alternative.

Relief is not guaranteed, and the available procedure depends on the notice and collection stage. A lien and levy are different: a lien is a claim, while a levy takes property.

• Identify the notice, tax periods, and exact deadline
• Verify the balance and current filing compliance
• Prepare financial information and supporting evidence
• Request the appropriate review or collection discussion within the available procedure

• An urgent notice triage identifying the levy source, affected tax periods, collection stage, and dates printed on the IRS and third-party documents
• A reconciled summary of assessed tax, penalties, interest, payments, credits, filed returns, and unresolved compliance items
• A documented household or business financial package supporting any hardship statement or proposed collection alternative
• A written comparison of available response paths at the current stage, which may include collection communication, Collection Due Process, the Collection Appeals Program, or a payment resolution
• An authorized-contact log and next-step schedule covering submissions, IRS responses, third-party communications, and remaining compliance work

Protect sensitive records. Do not send tax documents, Social Security numbers, bank records, IDs, or other sensitive files through ordinary email. Call the office before transmitting sensitive records.

• Every IRS notice and envelope, especially the Final Notice of Intent to Levy, hearing-right notice, and the levy served on a bank, employer, customer, or other third party
• Bank statements showing the restrained funds, account ownership, deposit sources, and transactions near the levy date
• Federal account transcripts, filed returns, missing-return information, payment confirmations, and prior collection correspondence
• Recent pay records or business income reports, together with proof of household or operating expenses
• A current list of assets, debts, loan balances, receivables, retirement accounts, insurance cash values, and other property interests
• Documents supporting immediate economic hardship, such as housing, utilities, food, medical, insurance, transportation, child-care, or essential business costs
• Evidence of current estimated-tax payments or payroll filings and deposits, plus any pending installment-agreement, offer-in-compromise, appeal, or bankruptcy documents

An IRS levy is a federal collection action even when it reaches a Florida bank, Deerfield Beach employer, local customer, or South Florida business receivable. Do not assume that Florida's rules for an ordinary private-creditor garnishment control a federal tax levy. Local facts still matter: account ownership, payroll timing, customer payments, essential operating cash, property location, and the effect on a Deerfield Beach household or business should be documented. Third-party ownership, bankruptcy, employment, and property-right disputes may require legal counsel in addition to CPA representation.