1import { o as e } from "./framer-motion-C724r53U.js"; 2import { n as t } from "./router-DyT5ll7X.js"; 3import { N as a, Pn as s, Tn as r, et as o, fr as n, ln as i, wr as l } from "./lucide-icons-B6DQpObw.js"; 4import { a as c } from "./site-TAdCbT3T.js"; 5import { Y as d, it as h, z as m } from "./index-DB0OlNo5.js"; 6import { t as u } from "./FloatingCTA-Cyiv3vFq.js"; 7import { t as x } from "./KeyTakeaways-C21w7Ui-.js"; 8import { i as y, n as p, r as g, t as f } from "./accordion-DnPDuRyt.js"; 9import { t as v } from "./PageSEOAutomation-lCBPQGEx.js"; 10import { t as b } from "./ServiceHero-CsDw2ha_.js"; 11import { t as j } from "./AuthorBox-FddogjB1.js"; 12import { t as w } from "./contentTypes-BBLbFS2g.js"; 13var N = e(), S = () => (0, N.jsxs)(d, { 14 withPadding: !1, 15 maxWidth: "full", 16 withTopClearance: !1, 17 children: [ 18 (0, N.jsx)(m, { 19 title: "IRS Levy Help | Protect Your Assets", 20 description: "IRS levied your bank account or garnishing wages? Get immediate help from a former FDOR Senior Tax Specialist with 30+ years resolving IRS enforcement actions.", 21 path: "levy-help", 22 ogTitle: "IRS Froze Your Bank Account? You Have 21 Days.", 23 ogDescription: "After the IRS levies your account, the clock starts. A tax resolution CPA explains what to do before the bank releases your funds to the IRS.", 24 ogImage: "og-levy-help.png" 25 }), 26 (0, N.jsx)(v, { 27 pageSlug: "levy-help", 28 disableFAQ: !0, 29 disableBreadcrumbs: !0 30 }), 31 (0, N.jsx)(u, {}), 32 (0, N.jsxs)("main", { 33 "data-speakable": "true", 34 id: "main-content", 35 tabIndex: -1, 36 className: "outline-none", 37 children: [ 38 (0, N.jsx)(b, { 39 badge: "Urgent IRS Defense", 40 showBreadcrumb: !0, 41 title: "Stop IRS Levies Before More Damage Is Done", 42 subtitle: (0, N.jsxs)("p", { children: [ 43 "When the IRS levies your bank account or garnishes your wages, the money is gone in", 44 " ", 45 (0, N.jsx)("strong", { children: "21 days" }), 46 " unless you act. I've spent 30+ years getting levies released and protecting what's left." 47 ] }), 48 slugForTracking: "levy-help", 49 align: "left" 50 }), 51 (0, N.jsx)("section", { 52 className: "bg-muted/40 py-6 border-y border-border", 53 children: (0, N.jsx)("div", { 54 className: "container mx-auto px-4", 55 children: (0, N.jsxs)("div", { 56 className: "flex flex-wrap justify-center gap-8 text-sm text-muted-foreground", 57 children: [ 58 (0, N.jsxs)("span", { 59 className: "flex items-center gap-2", 60 children: [(0, N.jsx)(a, { className: "w-4 h-4 text-primary" }), " Former FDOR Senior Tax Specialist"] 61 }), 62 (0, N.jsxs)("span", { 63 className: "flex items-center gap-2", 64 children: [(0, N.jsx)(s, { className: "w-4 h-4 text-primary" }), " 30+ Years Tax Resolution"] 65 }), 66 (0, N.jsxs)("span", { 67 className: "flex items-center gap-2", 68 children: [(0, N.jsx)(r, { className: "w-4 h-4 text-primary" }), " Licensed Florida CPA"] 69 }) 70 ] 71 }) 72 }) 73 }), 74 (0, N.jsx)("div", { 75 className: "container mx-auto px-4 lg:px-8 py-10", 76 children: (0, N.jsx)("div", { 77 className: "max-w-4xl mx-auto", 78 children: (0, N.jsx)(x, { 79 title: "IRS Levy Facts You Need to Know", 80 takeaways: [ 81 { 82 text: "Your bank must hold levied funds for 21 days before sending them to the IRS â that's your window to get the levy released.", 83 highlight: !0 84 }, 85 { text: "IRS wage levies (Form 668-W) take everything above your exempt amount, every paycheck, until the debt is resolved." }, 86 { 87 text: "The IRS must send a Final Notice of Intent to Levy (LT11 or Letter 1058) at least 30 days before levying â if they didn't, the levy may be procedurally invalid.", 88 highlight: !0 89 }, 90 { text: "Filing missing tax returns is often the fastest path to getting a levy released â the IRS frequently releases levies once you're in filing compliance." }, 91 { 92 text: "You have the right to a Collection Due Process hearing within 30 days of receiving a levy notice, which halts further collection action.", 93 highlight: !0 94 } 95 ], 96 firstStep: { 97 text: "IRS levied your bank account or garnishing your wages?", 98 link: "/free-consult", 99 linkText: "Get immediate levy help â" 100 } 101 }) 102 }) 103 }), 104 (0, N.jsx)("section", { 105 className: "py-12 lg:py-16", 106 children: (0, N.jsxs)("div", { 107 className: "container mx-auto px-4 max-w-3xl", 108 children: [(0, N.jsx)("h2", { 109 className: "font-heading text-2xl md:text-3xl font-bold text-foreground mb-4", 110 children: "What Does an IRS Levy Actually Do to Your Finances?" 111 }), (0, N.jsxs)("div", { 112 className: "space-y-4 text-foreground leading-relaxed", 113 children: [ 114 (0, N.jsx)("p", { children: "An IRS levy is a legal seizure of your property. Unlike a lien, which is a claim, a levy is active enforcement â the IRS is taking your money or assets right now." }), 115 (0, N.jsxs)("p", { children: [(0, N.jsx)("strong", { children: "Bank account levy:" }), " Your bank freezes the balance as of the levy date and holds it for 21 days. After that, the funds go to the IRS. Any deposits after the levy date are not affected by that specific levy â but the IRS can issue additional levies."] }), 116 (0, N.jsxs)("p", { children: [(0, N.jsx)("strong", { children: "Wage garnishment:" }), " Your employer withholds a portion of every paycheck and sends it directly to the IRS. The amount exempt from levy is based on your filing status and dependents (IRS Publication 1494), and everything above it goes to the IRS. For many taxpayers, that's most of their take-home pay."] }), 117 (0, N.jsxs)("p", { children: [(0, N.jsx)("strong", { children: "Accounts receivable levy:" }), " For business owners, the IRS can levy payments your customers owe you, redirecting business income to the IRS before you ever receive it."] }) 118 ] 119 })] 120 }) 121 }), 122 (0, N.jsx)("section", { 123 className: "py-12 lg:py-16 bg-muted/30", 124 children: (0, N.jsxs)("div", { 125 className: "container mx-auto px-4 max-w-3xl", 126 children: [(0, N.jsx)("h2", { 127 className: "font-heading text-2xl md:text-3xl font-bold text-foreground mb-6", 128 children: "How Do I Get an IRS Levy Released?" 129 }), (0, N.jsx)("div", { 130 className: "space-y-4", 131 children: [ 132 "Contact the IRS immediately on your behalf to request levy release while we develop a resolution strategy.", 133 "Identify the fastest release path â filing compliance, financial hardship, installment agreement, or procedural challenge.", 134 "File any missing returns that are blocking resolution. The IRS won't release a levy if you have unfiled returns.", 135 "Negotiate a resolution that stops future levies: installment agreement, Currently Not Collectible status, or Offer in Compromise.", 136 "Document economic hardship if the levy prevents you from meeting basic living expenses â IRS is required to release levies causing hardship." 137 ].map((e, t) => (0, N.jsxs)("div", { 138 className: "flex items-start gap-3", 139 children: [(0, N.jsx)("span", { 140 className: "w-6 h-6 rounded-full bg-primary/10 text-primary text-xs font-bold flex items-center justify-center flex-shrink-0 mt-0.5", 141 children: t + 1 142 }), (0, N.jsx)("p", { 143 className: "text-foreground leading-relaxed", 144 children: e 145 })] 146 }, t)) 147 })] 148 }) 149 }), 150 (0, N.jsx)("section", { 151 className: "py-12 lg:py-16", 152 children: (0, N.jsxs)("div", { 153 className: "container mx-auto px-4 max-w-3xl", 154 children: [(0, N.jsx)("h2", { 155 className: "font-heading text-2xl md:text-3xl font-bold text-foreground mb-6", 156 children: "When Should You Call About an IRS Levy?" 157 }), (0, N.jsx)("div", { 158 className: "space-y-3", 159 children: [ 160 "Your bank account was frozen and you can't access funds for payroll, rent, or operations.", 161 "You received a Notice of Intent to Levy (LT11 or Letter 1058) and the 30-day
161window is closing.", 162 "Your employer notified you that the IRS is garnishing your wages.", 163 "The IRS is levying your accounts receivable and your clients are receiving IRS correspondence.", 164 "You've already had one levy and you're worried about continuous levies on future deposits.", 165 "You received a Revenue Officer visit and they mentioned levy or seizure action." 166 ].map((e, t) => (0, N.jsxs)("div", { 167 className: "flex items-start gap-3 rounded-lg border border-destructive/15 bg-destructive/[0.04] px-4 py-3", 168 children: [(0, N.jsx)(i, { className: "w-5 h-5 text-destructive flex-shrink-0 mt-0.5" }), (0, N.jsx)("p", { 169 className: "text-sm font-medium text-foreground", 170 children: e 171 })] 172 }, t)) 173 })] 174 }) 175 }), 176 (0, N.jsx)("section", { 177 className: "py-12 lg:py-16 bg-muted/30", 178 children: (0, N.jsxs)("div", { 179 className: "container mx-auto px-4 max-w-3xl", 180 children: [(0, N.jsx)("h2", { 181 className: "font-heading text-2xl md:text-3xl font-bold text-foreground mb-6", 182 children: "Common Questions About IRS Levies" 183 }), (0, N.jsx)(f, { 184 type: "single", 185 collapsible: !0, 186 className: "space-y-3", 187 children: [ 188 { 189 q: "Can I get money back after the IRS levies my bank account?", 190 a: "In limited cases, yes. If the levy was issued in error, the IRS failed to follow proper procedures, or you can demonstrate economic hardship, you may be able to get levied funds returned. The 21-day hold period is your best window â after the funds are sent to the IRS, recovery is much harder." 191 }, 192 { 193 q: "How many times can the IRS levy my bank account?", 194 a: "There's no limit. Each levy captures the balance as of the levy date. The IRS can issue a new levy every pay period or bank cycle. This is why resolving the underlying debt is critical â stopping one levy without addressing the root cause just delays the next one." 195 }, 196 { 197 q: "Can I stop a wage garnishment?", 198 a: "Yes. Filing for an installment agreement, demonstrating economic hardship, or qualifying for Currently Not Collectible status can all stop wage garnishments. The key is showing the IRS a path to resolution that doesn't require continued garnishment." 199 }, 200 { 201 q: "Does a levy affect my credit score?", 202 a: "No. Neither a levy nor a tax lien appears on your consumer credit report; the three credit bureaus stopped reporting tax liens in 2018. A filed lien is still a public record lenders can find, so getting it released or withdrawn matters when you apply for a loan." 203 }, 204 { 205 q: "What if I have unfiled tax returns and a levy?", 206 a: "This is common and creates a catch-22: the IRS won't negotiate resolution until you're in filing compliance, but the levy is taking your money right now. I handle both simultaneously â getting the levy released while filing the missing returns." 207 }, 208 { 209 q: "Can the IRS levy my retirement account?", 210 a: "The IRS can levy certain retirement accounts, but there are specific restrictions and it's relatively rare. IRAs are generally levyable, but 401(k) accounts held by your employer are more protected. Social Security benefits can be garnished up to 15%." 211 } 212 ].map((e, t) => (0, N.jsxs)(g, { 213 value: `faq-${t}`, 214 className: "bg-card border border-border rounded-lg px-5 data-[state=open]:shadow-md transition-shadow", 215 children: [(0, N.jsx)(y, { 216 className: "text-left text-base font-medium text-foreground hover:text-primary py-4", 217 children: e.q 218 }), (0, N.jsx)(p, { 219 className: "text-muted-foreground leading-relaxed pb-4 text-sm md:text-base", 220 children: e.a 221 })] 222 }, t)) 223 })] 224 }) 225 }), 226 (0, N.jsx)("section", { 227 className: "py-12 lg:py-16", 228 children: (0, N.jsxs)("div", { 229 className: "container mx-auto px-4 max-w-3xl", 230 children: [(0, N.jsx)("h2", { 231 className: "font-heading text-2xl md:text-3xl font-bold text-foreground mb-6", 232 children: "Related Tax Resolution Services" 233 }), (0, N.jsx)("div", { 234 className: "grid sm:grid-cols-2 gap-4", 235 children: [ 236 { 237 to: "/lien-help", 238 label: "IRS Tax Lien Help", 239 desc: "Release, withdraw, or subordinate federal tax liens" 240 }, 241 { 242 to: "/penalty-help", 243 label: "IRS Penalty Relief", 244 desc: "Reduce or eliminate IRS penalties" 245 }, 246 { 247 to: "/irs-bank-levy-release", 248 label: "Bank Levy Release", 249 desc: "Detailed bank levy release process" 250 }, 251 { 252 to: "/irs-wage-garnishment", 253 label: "Wage Garnishment Defense", 254 desc: "Stop IRS wage garnishments" 255 } 256 ].map((e) => (0, N.jsxs)(t, { 257 to: e.to, 258 className: "block p-4 rounded-lg border border-border hover:border-primary/40 hover:shadow-md transition-all group", 259 children: [(0, N.jsx)("p", { 260 className: "font-semibold text-foreground group-hover:text-primary transition-colors", 261 children: e.label 262 }), (0, N.jsx)("p", { 263 className: "text-sm text-muted-foreground mt-1", 264 children: e.desc 265 })] 266 }, e.to)) 267 })] 268 }) 269 }), 270 (0, N.jsx)("div", { 271 className: "container mx-auto px-4 max-w-3xl py-8", 272 children: (0, N.jsx)(j, { 273 author: w, 274 lastUpdated: "2026-03-29" 275 }) 276 }), 277 (0, N.jsx)("section", { 278 className: "py-16 lg:py-20 bg-primary text-primary-foreground", 279 children: (0, N.jsxs)("div", { 280 className: "container mx-auto px-4 max-w-3xl text-center", 281 children: [ 282 (0, N.jsx)("h2", { 283 className: "font-heading text-2xl md:text-3xl font-bold mb-4", 284 children: "Is the IRS Taking Your Money Right Now?" 285 }), 286 (0, N.jsx)("p", { 287 className: "text-lg opacity-90 mb-8 max-w-xl mx-auto", 288 children: "Every day you wait, the IRS gets closer to your funds. A short conversation tells you exactly where you stand and what to do next." 289 }), 290 (0, N.jsxs)("div", { 291 className: "flex flex-col sm:flex-row gap-3 justify-center", 292 children: [(0, N.jsx)(h, { 293 asChild: !0, 294 variant: "cta", 295 size: "lg", 296 className: "h-auto min-h-[48px] py-3 px-8 text-base font-semibold", 297 children: (0, N.jsxs)("a", { 298 href: c.irsSchedulerUrl, 299 target: "_blank", 300 rel: "noopener noreferrer", 301 "data-cta-location": "levy-help-bottom", 302 children: ["Get Levy Help Now ", (0, N.jsx)(n, { className: "w-4 h-4 ml-2" })] 303 }) 304 }), (0, N.jsx)(h, { 305 asChild: !0, 306 variant: "outline", 307 size: "lg", 308 className: "h-auto min-h-[48px] py-3 px-8 text-base font-semibold border-white/40 text-primary-foreground bg-white/5 hover:bg-white/15 hover:text-primary-foreground hover:border-white/60", 309 children: (0, N.jsxs)("a", { 310 href: c.phone.href, 311 "data-cta-location": "levy-help-bottom", 312 children: [ 313 (0, N.jsx)(o, { className: "w-4 h-4 mr-2" }), 314 " Call ",
315 c.phone.primary 316 ] 317 }) 318 })] 319 }) 320 ] 321 }) 322 }), 323 (0, N.jsx)("section", { 324 className: "py-6 bg-muted/30", 325 children: (0, N.jsxs)("div", { 326 className: "container mx-auto px-4 max-w-3xl", 327 children: [(0, N.jsx)("div", { 328 className: "bg-destructive/5 border border-destructive/20 rounded-lg p-4 mb-4", 329 children: (0, N.jsxs)("p", { 330 className: "text-xs text-destructive font-medium flex items-start gap-2", 331 children: [(0, N.jsx)(l, { className: "w-3.5 h-3.5 mt-0.5 flex-shrink-0" }), "Do NOT enter SSNs, dates of birth, or account numbers on this site. Sensitive information is handled securely after formal engagement."] 332 }) 333 }), (0, N.jsxs)("p", { 334 className: "text-xs text-muted-foreground leading-relaxed", 335 children: [ 336 "Keith L. Jones, CPA, LLC is a licensed Florida CPA (#", 337 c.credentials.licenseNumber, 338 ") authorized to practice before the IRS under Treasury Department Circular No. 230. Results vary by case. This website provides general information and does not constitute legal or tax advice." 339 ] 340 })] 341 }) 342 }) 343 ] 344 }) 345 ] 346}); 347export { S as default };
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