Jacksonville IRS Collection Holds, Bank Levy & Wage Garnishment Relief
Understand where your levy stands, what you can do now, and which release options may fit your situation.
Based in Jacksonville. Remote assistance nationwide for federal IRS matters.
What Collection Holds, Bank Levy & Wage Garnishment Relief Means for Your Case
An IRS levy on your bank account or paycheck is stressful, and acting promptly matters. Milk & Honey Co. is based in Jacksonville and helps clients nationwide with federal IRS matters. We help you identify the notice and any deadline, review your IRS account, and evaluate whether you may qualify to request a levy release, for example because the levy is causing an economic hardship or because a payment plan or other resolution can be arranged. For individuals, economic hardship may support a levy release even when some returns are still unfiled. Every case is different and no result is guaranteed. The initial tax resolution consultation is free, and we explain the proposed work and a fixed quote before you commit.
What's Included
- Review of bank levy and wage levy notices and deadlines
- Levy release requests based on hardship or an agreed resolution
- Publication 1494 exempt amount review for wage levies
- Form 2848 representation before the IRS
- Collection Due Process and Equivalent Hearing requests when available
Why Jacksonville Taxpayers Choose Milk & Honey Co.
Clear first steps
We help you read the notice, confirm any response deadline, and understand what the levy covers before deciding on next steps.
Representation when you want it
With Form 2848 on file, we can speak with the IRS on your behalf. You can still talk with the IRS yourself, and if a levy is active you should call the number on your notice right away.
Release options reviewed honestly
The IRS may release a levy for reasons such as economic hardship or an agreed resolution. We explain which paths may apply and what information the IRS usually asks for.
What you can do now
General pointers, not legal advice for your situation.
- Find the notice and its date. Note any deadline it gives. If a levy is already active, call the IRS number on the notice right away. Guide: IRS notices and letters explained
- When a bank receives an IRS levy, it generally holds the funds for 21 days before sending them to the IRS. That window is a good time to ask about release options. Guide: the IRS bank levy 21 day hold
- A wage levy leaves you an exempt amount each pay period based on Publication 1494, which depends on your filing status and dependents. IRS Publication 1494
- If the levy leaves you unable to pay basic living expenses, the IRS may release it because of economic hardship. Release timing is not guaranteed. Guide: how to get an IRS wage levy released
Want help confirming what applies to you?
Prepare for your consultation
Bring what you have. You do not need everything ready to ask for help, and there is no need to upload sensitive documents here.
- Any IRS notices or levy letters, including their dates and response deadlines
- The years you have filed and any years you think are missing
- Any balances you know about, even if the amounts are only estimates
- Your questions about the levy, next steps and professional fees
Optional, with no contact details required: Download the wage levy release checklist (PDF)
How We Protect You, Step by Step
Your initial tax resolution consultation is free. We explain the proposed work and a fixed quote before you commit. If it fits your case, the separate, optional $350 Total Tax Diagnostic & Blueprint uses authorized IRS transcripts to review the income, filing history, balances and account activity they show. We compare them with your notices and other information to identify gaps and explain proposed next steps. It informs a fixed quote but does not include return reconstruction, tax preparation or representation. Its fee is credited toward resolution work when applicable. Professional fee payments may be available depending on your case, with no credit check, and they do not cover IRS or state balances. See fee questions
1. Free initial consultation
We identify which notice you received, such as a CP504, LT11, or Letter 1058, any deadlines, and whether appeal rights may still be open.
2. Authorization and transcripts
With your authorization, we request your IRS transcripts to confirm the balances and tax years involved.
3. Evaluate release options
We look at whether a hardship release, a payment plan, or another resolution may fit, and gather the financial information the IRS typically requests.
4. Request eligible relief
Where you appear to qualify, we contact the IRS to request a levy release or a hold on collection. The IRS decides each request.
5. Work toward a longer term resolution
We help address any missing returns and pursue an option such as a payment plan, hardship status, or an Offer in Compromise. These options do not guarantee that collection stops or that a future levy will not occur.
Frequently Asked Questions
How fast can an IRS bank levy be released?
When a bank receives an IRS levy, it generally holds the funds for 21 days before sending them to the IRS. Asking about release options during that time is important. How quickly the IRS acts depends on your situation and the information it needs, so timing cannot be promised.
What is Form 2848 and why does it matter?
Form 2848 is the IRS power of attorney form. It lets a representative speak with the IRS for you, request your account information, and ask for relief on your behalf. You can still contact the IRS yourself.
How much of my paycheck can the IRS garnish?
The IRS leaves an exempt amount from each paycheck based on Publication 1494, which depends on your filing status and dependents. The rest can be taken until the levy is released, so it is worth acting promptly.
Can the IRS release a levy if I still have unfiled returns?
For individuals, an economic hardship that leaves you unable to pay basic living expenses may support a levy release even when some returns are unfiled. Other release options usually depend on filing. We review which paths may apply to you.
Can the IRS levy my bank account without warning?
The IRS generally must send a Final Notice of Intent to Levy and Notice of Your Right to a Hearing at least 30 days before levying. Notices sometimes go to an old address, and your transcript can show when one was issued.
Start With a Free Initial Tax Resolution Consultation
Bring what you have and ask your questions. We will discuss your situation and explain possible next steps before you decide on any paid work.