The First Step is to File All Delinquent Tax Returns

The IRS is under no obligation to negotiate with you if you do not file your tax returns. If you have not filed, you must do so immediately. Your status is "out of compliance" until all returns have been filed. If you are out of compliance, then an IRS collector may take extremely aggressive collection actions and any complaints you make to IRS Problem Resolution or your Congressperson will most likely be unsuccessful. However, once your returns are filed, the IRS can be managed.

If a bank levy has been sent out, chances are the money is going to be sent to the IRS. A bank levy is a one shot deal, meaning the IRS would need to issue another in order to levy more of your money from the same account. This also means that you can continue to use that bank account immediately after a levy, but you run the risk that the IRS will issue a second levy.

A wage levy is another story. This is ongoing. The levy will continue until you negotiate a payment agreement.

The IRS takes enforcement action as a last resort. The best defense in dealing with the IRS is to anticipate what they require and provide it before they take enforcement action. We call this being proactive instead of being reactive.

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