Tax Relief in Orange County How to Stop IRS Wage Garnishments Fast
Marc Boulanger • March 23, 2025
Introduction
If you're dealing with IRS wage garnishment in Orange County, you're not alone—and you're not out of options. Wage garnishments can feel like financial handcuffs, draining your paycheck before it ever hits your bank account. But with the right strategy and a qualified tax resolution expert on your side, you can stop wage garnishments fast and reclaim control over your finances.
At Boulanger CPA and Consulting PC, based in Orange County, CA, we specialize in helping individuals and business owners navigate complex IRS issues, including wage garnishments, tax liens, levies, and back taxes. In this guide, we’ll cover everything you need to know about stopping wage garnishment and how our tax resolution services can help.
What Is IRS Wage Garnishment?
Wage garnishment is a legal process where the IRS takes a portion of your paycheck to collect unpaid tax debt. Unlike private creditors, the IRS doesn’t need a court order—they can initiate garnishment once they’ve sent you proper notice and you haven’t responded.
How It Works:
- The IRS sends a Final Notice of Intent to Levy.
- You have 30 days to respond or appeal.
- If no action is taken, the IRS notifies your employer.
- Your employer is legally required to withhold a portion of your wages and send it directly to the IRS.
Why the IRS Garnishes Wages
Wage garnishment is one of the IRS's most aggressive collection tools, typically used when:
- You owe back taxes and haven’t made payment arrangements.
- You've ignored IRS notices or failed to respond.
- You've defaulted on an existing payment plan or Offer in Compromise.
The good news? You have legal rights and options to stop garnishment—especially if you act quickly.
How Much Can the IRS Garnish From Your Paycheck?
Unlike other creditors who are limited by state law, the IRS calculates garnishment based on your standard deduction and number of dependents. This means they can often leave you with just enough to survive.
For example:
- A single filer with no dependents may keep less than $400/week.
- The rest goes straight to your tax bill.
If you’re a resident of Orange County, where the cost of living is high, this can quickly lead to financial disaster.
How to Stop IRS Wage Garnishment Fast
Here are the most effective and legal ways to stop wage garnishment:
1. Contact a Local Tax Resolution Expert Immediately
Working with a local CPA who understands California tax laws and has experience dealing directly with the IRS gives you the best shot at fast resolution.
Boulanger CPA and Consulting PC, located in Orange County, has successfully negotiated garnishment releases for dozens of local clients. We move quickly and act on your behalf.
2. File for a Collection Due Process (CDP) Hearing
If it's been less than 30 days since the IRS issued their Final Notice, you may request a CDP hearing to temporarily halt garnishment.
3. Set Up an IRS Payment Plan (Installment Agreement)
A payment plan can reduce financial strain and pause garnishment once approved. We’ll help you determine what plan you qualify for:
- Guaranteed Installment Agreements
- Streamlined Agreements
- Partial Pay Agreements
4. Submit an Offer in Compromise (OIC)
An OIC allows you to settle your tax debt for less than the full amount owed. If accepted, garnishment stops immediately.
We help Orange County clients prepare thorough, compelling OIC packages that maximize chances of acceptance.
5. Prove Financial Hardship (Currently Not Collectible Status)
If wage garnishment creates an undue hardship, you may qualify for CNC status, temporarily stopping all collection activities.
6. Bankruptcy (Last Resort)
Chapter 7 or Chapter 13 bankruptcy may discharge or restructure your tax debt. This should only be considered after all other avenues are explored.
Why Work With a Local Orange County Tax Resolution Expert?
Choosing a local CPA firm like Boulanger CPA and Consulting PC means:
- Face-to-face support and personalized attention
- Deep understanding of California tax regulations
- Connections with local IRS agents and appeals officers
- Faster response times and more effective resolution strategies
Many national tax resolution companies overpromise and underdeliver. We’re based right here in Orange County, and our reputation is built on results.
Real Client Success Story from Orange County
"I was losing over $1,200 a month to IRS garnishments and couldn’t keep up with rent. I called Boulanger CPA, and within 48 hours, they got the garnishment lifted and put me on a manageable payment plan. They literally saved me." – Mike H., Santa Ana
What To Expect When You Call Us
When you reach out to us for help with IRS wage garnishment:
- Free Initial Consultation – We assess your situation and review IRS notices.
- Compliance Check – We’ll ensure your tax returns are up to date.
- Action Plan – We develop a customized strategy to stop garnishment.
- Immediate IRS Contact – We notify the IRS that you have representation and begin negotiations.
Don’t Wait—Take Action Today
IRS wage garnishment doesn’t go away on its own. In fact, it can escalate. The longer you wait, the more difficult (and costly) it becomes.
If you're located in Orange County, CA and need fast, reliable help, contact Boulanger CPA and Consulting PC today. We specialize in IRS tax relief, and we’re ready to defend your paycheck and your peace of mind.
📍 Visit Us: https://www.orangecounty.cpa
📞 Call Now: 657-218-5700
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Disclaimer: This content is for informational purposes only and does not constitute legal or financial advice. Consult a licensed tax professional for guidance specific to your situation.
Frequently Asked Questions
How do I stop IRS wage garnishment in Orange County, CA?
You can stop IRS wage garnishment by setting up a payment plan, filing for hardship status, submitting an Offer in Compromise, or requesting a Collection Due Process hearing. Working with a local Orange County CPA who specializes in tax resolution can help you act quickly and effectively.
How long does it take to stop an IRS wage garnishment?
If handled correctly, wage garnishment can often be stopped within 24 to 72 hours once proper steps are taken, such as filing an appeal or securing a resolution agreement with the IRS. Speed depends on your case and how quickly you respond.
Can a CPA in Orange County really help stop wage garnishment?
Yes. A qualified tax resolution CPA in Orange County can represent you before the IRS, negotiate payment plans, and submit hardship or settlement requests. Local CPAs also understand California-specific nuances and offer in-person support.
What percentage of my wages can the IRS take?
The IRS doesn’t use a fixed percentage—they base garnishment on your income, standard deduction, and number of dependents. In many cases, they leave you with barely enough to cover basic living expenses, especially in high-cost areas like Orange County.
Will wage garnishment stop if I get on a payment plan?
Yes. Once a payment agreement is accepted by the IRS, wage garnishment is usually lifted. A tax professional can help ensure your payment plan is realistic and gets approved fast.
Does filing bankruptcy stop IRS wage garnishment in California?
Filing Chapter 7 or Chapter 13 bankruptcy can stop IRS wage garnishment through an automatic stay. However, this is a last-resort option and may not eliminate all types of tax debt. Speak with a tax resolution expert before considering bankruptcy.
Is it too late to stop IRS wage garnishment if my paycheck is already being taken?
No, it’s not too late. Even after garnishment begins, you can still negotiate with the IRS to reduce or stop the garnishment. A local CPA in Orange County can help you take immediate action.
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