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Good morning,I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
The feds are able to intercept your tax return refunds as well as levy on your bank accounts and also garnish your paycheck for the money that is owed. While they can take all of your refund each year, they are limited to taking no more than 25% of your wages through garnishment. Unfortunately, it is legal for the government to garnish the 25% of your paycheck.
Because the feds have knowledge of any bank account that you might open (you use your social security number to open the account), I would suggest that you not keep much funds in any account in your name and try to work with cash/money orders to pay your bills or use a prepaid debit style card to handle the money you receive from employment after the garnishment. That way they can't get at your money through a bank levy.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.I hope that I have been able to fully answer your question. As I am not an employee of JustAnswer, please be so kind as to rate my service to you. That is the only way I am compensated for assisting you. Thank you in advance.I wish you and yours the best in 2016,Doug