Are there any garnishment exemptions against the IRS?

Question

Are there any garnishment exemptions against the IRS?

Answer

When somebody is unable to pay a debt, one way that a creditor can use to collect from the borrower is through wage garnishment. A lender may garnish the wages of a borrower until the debt is fully paid off. In some instances, a lender garnishes the wages of a borrower, until the latter is able to provide a different payment method.

The Internal Revenue Service also has the right to garnish a person’s wages for over due tax obligations. Wage garnishment generally goes through the court system for it to be legally carried out, but the IRS does not need to go to any court, to be able to do wage garnishment. The IRS merely investigates the account of the delinquent payer, then sends the person a notice that it is intending to collect for unpaid taxes. If the delinquent payer neglects to act on the IRS’s notice, or does not communicate with the IRS so that a payment schedule can be devised, then the IRS will go ahead with the garnishment. Before the IRS takes garnishment action, it makes arrangements for a final notice to be hand delivered to the delinquent payer, stating the IRS’s intent to collect and that failure to pay will result in the commencement of garnishment at a date that is specified. Federal law permits the IRS to garnish 25% of a delinquent payer’s wages.

Nevertheless, the court may exempt certain people from garnishment. To be able to avail of IRS garnishment exemptions, a person has to accomplish a lot of paper work to prove that he or she qualifies for IRS garnishment exemptions. The court may allow IRS garnishment exemptions for people whose wages are solely composed of federal support like social security and disability; the earnings are subjected to huge child support deductions; and, if the delinquent payer’s earnings fall below the poverty line.

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