How to Stop a Wage Garnishment from the IRS in California

If the IRS Is Taking Your Paycheck—You Need to Act Immediately

Wage garnishment is one of the most aggressive tools the IRS uses to collect back taxes. If you’ve received a Form 668-W or your employer suddenly started withholding part of your paycheck, the IRS has officially levied your wages.

But this situation isn’t permanent—and it’s not hopeless. You can stop the garnishment, protect your income, and negotiate better terms if you act quickly and strategically.

This blog explains how IRS wage garnishment works in California, how to respond, and how to resolve your tax debt before further damage is done.

What Is IRS Wage Garnishment?

An IRS wage garnishment is a continuous levy on your wages. Unlike a one-time bank levy, this levy repeats every payday until:

• The tax is paid in full
• You enter into a formal resolution
• The IRS agrees to release it
• The Collection Statute Expiration Date (CSED) passes

The IRS notifies your employer using Form 668-W, instructing them to withhold a portion of your wages and send it to the IRS.

Related: IRS Levy vs IRS Lien – What’s the Difference?

How Much Can the IRS Take from Your Paycheck?

The IRS uses Publication 1494 to determine how much of your wages are exempt from garnishment. The exempt amount is based on:

• Filing status
• Number of claimed dependents
• Pay frequency

Everything above the exempt amount gets sent to the IRS.

Example: If you're single, paid biweekly, and claim one exemption, you might only keep ~$600–$700 per paycheck.

How Did This Happen?

Wage garnishment doesn’t happen overnight. You should have received:

1. CP14 – Balance Due
2. CP501, CP503 – Collection Notices
3. Letter 1058 or LT11 – Final Notice of Intent to Levy

If you didn’t respond to these, the IRS proceeded with enforcement.

Related: IRS Notice of Intent to Levy – Urgent Steps to Take

How to Stop IRS Wage Garnishment in California

Option 1: Request a Levy Release

You or your representative can contact the IRS immediately and request a release by:

• Entering into an Installment Agreement
• Submitting an Offer in Compromise
• Qualifying for Currently Not Collectible status

Option 2: File for a CDP Hearing

If the garnishment started within 30 days of receiving LT11 or Letter 1058, you can file Form 12153 to request a Collection Due Process (CDP) hearing, which will:

• Pause the garnishment
• Give you time to propose resolution
• Preserve your right to Tax Court

Related: IRS Collection Appeals Program (CAP) vs CDP Hearings – What’s the Difference?

Option 3: Financial Hardship Defense

If the garnishment causes undue financial hardship, you can submit:

• IRS Form 433-A
• Paystubs, bank statements, and living expense documentation
• A request for levy release based on hardship

The IRS may agree to pause or reduce the garnishment while you resolve the debt.

Why California Taxpayers Need to Act Fast

California’s high cost of living makes wage garnishment especially brutal. Even a partial levy can:

• Cause you to fall behind on rent or mortgage
• Trigger credit card defaults
• Harm your family’s basic living standard

Don’t wait to fix this. The IRS won’t stop until they’re forced to.

We Help California Taxpayers Stop IRS Wage Garnishments Fast

At Boulanger CPA and Consulting PC, we help clients:

• Respond to IRS wage levy notices immediately
• Submit levy release packages that get results
• Negotiate payment plans or settlement offers
• Prevent future levies and garnishments

Call (657) 218-5700 or schedule your emergency consultation at www.orangecounty.cpa

FAQ: IRS Wage Garnishment in California

Q: Can I stop the IRS from garnishing my wages?
A: Yes—with a payment plan, settlement, or hardship status, the IRS can release the levy.

Q: Can they garnish 100% of my paycheck?
A: Not usually—but the amount they leave you may be barely enough to cover basics.

Q: Will my employer fire me?
A: Federal law prohibits employers from firing someone over a single garnishment—but multiple garnishments may pose issues.

Q: How long will the garnishment last?
A: Until the debt is paid, resolved, or you negotiate a release.

📣 About the Author

Marc Boulanger, CPA is the founder of Boulanger CPA and Consulting PC, a boutique tax resolution firm based in Orange County, California and trusted by high-income individuals and business owners across Southern California.

He is the author of Defend What’s Yours: A California Taxpayer’s Guide to Beating the IRS and FTB at Their Own Game, available now on Amazon. The book offers a step-by-step plan for resolving IRS and FTB tax debt without losing your business, your home, or your peace of mind.

With over a decade of experience resolving high-stakes IRS and State tax matters, Marc brings strategic insight to complex cases involving wage garnishments, bank levies, unfiled returns, and six-figure tax debts. He is known for helping clients reduce or eliminate tax liabilities through expertly negotiated settlements and compliance plans.

Marc is a Certified Public Accountant licensed in California and Oklahoma and holds the designation of Certified Tax Representation Consultant. He is a member of the American Society of Tax Problem Solvers (ASTPS) — the national organization founded by the educators and practitioners who have trained thousands of CPAs, EAs, and tax attorneys in IRS representation strategy.

Every case is handled with discretion, proven methodology, and direct CPA-led representation — not call center scripts.

📍 Learn more at www.orangecounty.cpa or call (657) 218-5700.

Order the book on Amazon: Defend What’s Yours