09/06/2026
If the IRS levies your bank account, the money does not leave that day.
Your bank is required to hold the funds for 21 days before sending anything to the IRS. That hold exists for a reason: it is the window to get a release in place, correct an error, or show the levy is creating a genuine hardship.
Two things people get wrong. First, a bank levy is a snapshot, not a faucet. It catches what was in the account the moment it hit, not deposits that land afterward. Second, that 21 days is not a grace period anyone reminds you about. It runs quietly while the account sits frozen.
If your account was just levied, the clock started already.
Peter Kici, EA. (407) 531-8705
Free Tax Debt Survival Guide: https://pete.taxdebthelpguide.com/
09/05/2026
An IRS wage garnishment does not work like a creditor garnishment, and the difference surprises people.
A private creditor takes a percentage. The IRS does the opposite: it leaves you a small exempt amount based on your filing status and dependents, and your employer sends the rest.
For a lot of households that means most of the paycheck. And it continues every pay period until the debt is resolved or the levy is released.
The part worth knowing: a garnishment can often be released once you are in an arrangement the IRS recognizes. The fastest path is usually getting into compliance, not fighting the levy on its own.
If your wages are already being taken, call. (407) 531-8705
Free Tax Debt Survival Guide: https://pete.taxdebthelpguide.com/
09/02/2026
A client told me last month that the hardest part was not the money. It was not knowing who to trust after a national tax relief company took a big fee upfront and then stopped returning calls.
That happens more than people realize. We are a small, local practice here in Central Florida, and every client can reach the person actually working their case.
If you have been burned before, or you are just tired of being scared to open the mail, we are here. Free consultation: (407) 531-8705
Free Tax Debt Survival Guide: https://pete.taxdebthelpguide.com/
08/30/2026
A lien and a levy are not the same thing, and people mix them up constantly.
A lien is a claim. It attaches to your property and protects the government's interest in what you owe. It can show up when you try to sell or refinance.
A levy is a taking. That is when the IRS actually reaches into a bank account or a paycheck.
The practical difference: a lien is a problem you can usually work around while you resolve the debt. A levy is money already gone. If you are somewhere between the two, that is the window where options are widest.
(407) 531-8705
Grab the free Non-Filer's Guide: https://nfg.taxdebtreliefgroup.com/
08/24/2026
Did you know a first-time penalty can sometimes be removed just for asking?
The IRS has a First-Time Abate policy: if you have a clean compliance history for the prior three years and are otherwise caught up, failure-to-file and failure-to-pay penalties can sometimes be waived, even though the tax and interest still apply.
It will not work for everyone, but it costs nothing to check if you qualify. Free consultation: (407) 531-8705
Free Tax Debt Survival Guide: https://pete.taxdebthelpguide.com/
08/24/2026