How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask J.Hazelbaker Your Own Question
J.Hazelbaker
J.Hazelbaker, Attorney
Category: Legal
Satisfied Customers: 4385
Experience:  Attorney and small business owner with 10 years experience in the general practice of law.
15393114
Type Your Legal Question Here...
J.Hazelbaker is online now
A new question is answered every 9 seconds

I owe the IRS $75k in back taxes. I am on a payment plan where

This answer was rated:

I owe the IRS $75k in back taxes. I am on a payment plan where I pay them $1800/mth until it's all paid, which will take over 4 years. The IRS did not attach a garnishment, I am simply paying them monthly. A creditor I stopped paying due to the IRS payments has won a wage garnishment judgement against me and is sending the garnishment letter to my Employer. How can I stop this garnishment as it will cause me to default on my IRS arranged payments?

J.Hazelbaker :

Hello. Thank you for using JustAnswer.

J.Hazelbaker :

Unfortunately, under the circumstances you describe, you don't have grounds to fight the creditor's garnishment.

J.Hazelbaker :

You do have two options:

J.Hazelbaker :

1) contact the IRS and ask them to garnish. Under federal law, 25% of your take home pay can be garnished. No more.

J.Hazelbaker :

If the IRS garnishes 25% (and you voluntarily pay any balance up to the $1800), the creditor can't garnish.

J.Hazelbaker :

2) declare bankruptcy and discharge the creditor's debt or negotiate repayment terms.

J.Hazelbaker :

These are the only options to keep the creditor from garnishing.

J.Hazelbaker :

Please let me know what follow-up questions you have. If my above responses have been helpful, please click Accept so that I get credit for the time/effort. You may always restart the thread and ask follow-up questions at any time by clicking the “Reply” button at the bottom of the question/answer thread. You can access this thread later in your profile under the “My Questions” tab.

Customer:

Thank you for your response. I was wondering though, even though the garnishment award was issued in Maryland Courts, I recently moved to Texas. Do you know, can or will the order issued in Maryland be enforced in a state that does not allow this type of garnishment?

J.Hazelbaker and 7 other Legal Specialists are ready to help you

That's good for you. While a Maryland judgment can be enforced in Texas, it is complicated. Moreover, Texas law does not allow wage garnishments. So, you don't need to worry about it. Smart move!

Related Legal Questions