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IRS Bank Levy: How to Handle the Situation

Monday, October 3, 2011

IRS Bank Levy: How to Handle the Situation

If you have woken up this morning to find your bank accounts frozen, you may not immediately be aware of the reason – an IRS bank levy. However, once you learn why your accounts are frozen, you will have more worries ahead of you. For starters, the IRS does not just freeze bank accounts. When possible, they can seize all personal assets such as real property, cars, bank accounts and even business assets if you are a business owner. In short – an IRS bank levy is a matter that you want to take seriously unless you want to risk all of your belongings.

What is an IRS Bank Levy?

An IRS bank levy is a hold that is placed on your accounts. It can also be defined as a seizure of all of your assets that the IRS will then use to pay off your outstanding tax debts. The IRS has a long list of items that they can legally seize when it comes down to issuing an IRS bank levy. There are items that are untouchable, but these are usually personal items such as clothing, books and undelivered mail to name a few.

How Can I Avoid an IRS Bank Levy?

There are many ways that you can avoid an IRS bank levy. First, make sure you pay all of your taxes on time. If you find yourself in a tax situation that you cannot resolve, contact an attorney qualified in the area of tax law can help you release the IRS bank levy that has been issued. An IRS bank levy is usually one of the final steps that the IRS will take in securing collateral for your outstanding tax liabilities. Here are a few ways you can avoid a potential IRS bank levy:

  • As mentioned before, pay your taxes on time. This includes filing your taxes in a timely manner. You will be charged interest and penalties if you do not file in a timely manner so when it comes time to settle your tax debts, make sure you pay the fines and interest too.
  • Should you receive any letters from the IRS – do not ignore them. Ignoring the debt will not make it go away, nor will it make your life any easier – you will find that the potential for an IRS bank levy significantly increases when you ignore any IRS correspondence.
  • If you cannot afford to pay your outstanding tax debts all at once, you can make payment arrangement plans. The IRS will work with you to establish a payment plan that is based on your income and expenses. If you are having trouble setting up a payment plan, you can seek the help of qualified tax attorneys to aid you in your efforts. Choose a tax attorney that has years of experience with successful dealings with the IRS.

It is common to panic once you have learned that the IRS has issued an IRS bank levy on all of your personal assets. If you act quickly – typically within 30 days – you can contact a qualified tax attorney who will be able to help you release your levy and maintain control of your assets. The most important thing to remember is that time is of the essence when dealing with the IRS. Waiting too long will ensure that you do not have a legal leg to stand on.



Top Tips from New York Tax Lawyers to Avoid Excessive Tax Penalties

Monday, October 3, 2011

Top Tips from New York Tax Lawyers to Avoid Excessive Tax Penalties

Taxes are a way of life here in America, and virtually anywhere else you live. Each person has their own unique tax situations, and residents of New York State can benefit with advice from New York tax lawyers. Because New York tax lawyers are familiar with the state regulations, they can assist not only with federal filing issues but also with state filing regulations. In order to prevent tax penalties, you should seek out the advice of New York tax lawyers to ensure that you are filing correctly. However, New York tax lawyers can also assist with any penalties that have already been assessed and fined. Your best chance is to avoid the penalties if possible and a list is provided here of ways to avoid severe tax penalties.

Top Tips offered by New York Tax Lawyers

  • File your returns in a timely manner. This is especially important because for each day that your income tax return is filed late, according to New York tax lawyers, you will accrue interest on tax liabilities. All personal income tax returns are due by Midnight on April 15th and six-month extensions are available through October 15th. After this, your taxes are considered late and you will need the help of New York tax lawyers to fight any excessive penalties.
  • Do not claim any more exemptions on your personal income taxes than what you are legally able to claim. Many people will claim excess exemptions to have more money in their paychecks. While this is not illegal, you will be responsible for the excess taxes come April 15th. New York tax lawyers know that interest charged on tax liabilities is compounded and does not stop – even with an established payment plan – until the liability is satisfied in full.
  • Business taxes, including payroll taxes should be calculated correctly with the help of a tax professional such as a CPA. When the calculations are incorrect, you will be responsible for unpaid taxes plus penalties and interest. This is a surefire way to raise your tax liability significantly so pay careful attention to amounts due. If you run into trouble, you may get your penalties reduced with the help of New York tax lawyers.
  • Keeping in the subject of business taxes, if you are required to pay sales tax make sure you file on time. Even if you have no taxes due because of lack of sales, you are still responsible for filing a zero tax return. New York tax lawyers can help you fight penalties that are charged due to late or non filing issues. Currently, New York State charges $50 for a late filing in addition to a percentage penalty on the amount of sales tax due. If you do not respond to these notices, not only will you be responsible for the liability, but the IRS will assess your taxes based on similar businesses and charge you the highest rate of sales tax.

Filing your taxes in New York State with the aid of New York tax lawyers is your best bet to avoid significant taxes and penalties. Because penalties can range from thousands of dollars in fines to prison time if the liability and avoidance is severe enough, New York tax lawyers are available to help and are just a phone call away. 



Top Problems that Chicago Tax Lawyers Encounter

Monday, October 3, 2011

Top Problems that Chicago Tax Lawyers Encounter

There are many problems that taxpayers face each and every day. Some of them are an easy fix; others will require the necessity of Chicago tax lawyers to further help your chances of working out a deal with the IRS. Because the IRS is very unforgiving in terms of outstanding tax liabilities, you will want to work with Chicago tax lawyers in an effort to prevent common occurrences like seizure of assets, heavy interest and penalties as well as being audited. Tax problems are nothing new and as long as you do not attempt to evade the IRS when they notify you of potential problems with your taxes, Chicago tax lawyers can usually help you establish a deal that works for you and the IRS. Here is a list of the common encounters that Chicago tax lawyers routinely have with the IRS on the behalf of taxpayers.

Common Encounters with the IRS

  • Necessity for Payment Arrangement – if you find that your tax balance just keeps growing and you are unable to pay it, you will want to contact your Chicago tax lawyers to make payment arrangements. The IRS is generally lenient with payment arrangements so as long as the agreements are adhered to. If you ever find yourself in a situation where you cannot honor your payment arrangement, it is a good idea to contact Chicago tax lawyers to prevent any kind of further collection activity being taken by the IRS.
  • Bank Levy – If you fail to make payment arrangements or to pay your text debts, you will find that the IRS will place a levy on your bank accounts and even possibly on your wages. Once the levy is placed you typically only have 21 days to fight the matter, so time is of the essence if you decide to contact Chicago tax lawyers. Your lawyers can help you negotiate with the IRS and have the levy removed from your accounts and stop garnishment of your wages. It can be very daunting to find out that your accounts have been frozen and that your paycheck will be garnished so let the professionals – Chicago tax lawyers – help you out.

  • Abatements and Offers in Compromise – both of these are agreements that you will come to with the IRS in an attempt to either lower or eliminate your tax penalties. Neither of these will eliminate the interest due, unless you can prove extreme circumstances where the interest that has accumulated on the penalties may be eliminated. Abatements and Offers in Compromise will only lower your tax liabilities by eliminating penalties and possibly the interest accumulated on the penalty. Chicago tax lawyers have negotiated many settlements for people who are struggling to make payments, especially when economic times are bad and there are unforeseen circumstances. Placing a quick call to your Chicago tax lawyers will help you get started on the abatement or Offer in Compromise settlement.

There are many unique tax situations that differ among Americans. Chicago tax lawyers are experts in the tax industry and have several years of helping citizens just like you resolve their outstanding tax liabilities. They can offer sound advice and if they do not feel that they can resolve your situation, Chicago tax lawyers may refer you to another firm who can. The best way to get started with any unresolved tax issues is to place a call today to Chicago tax lawyers. 



Common Tax Issues Encountered by Florida Tax Lawyers

Monday, October 3, 2011

Common Tax Issues Encountered by Florida Tax Lawyers

Each year, millions of people run into tax problems that require the assistance of Florida tax lawyers in an effort to stave off penalties. These problems can range from a missed deadline for filing to struggling to disclose offshore accounts in a timely manner so as to avoid prosecution for fraud and tax evasion. Whatever your tax issue is you can rest assured that a phone call or visit to Florida tax lawyers will help you get on the path to a worry free IRS resolution. There is rarely a problem that you can present to your Florida tax lawyers that they would not be able to resolve or provide you guidance with. Here is a list of common problems that Americans like you face each and every tax season and how Florida tax lawyers can help you.

Common Encounters with the IRS

  • Late Filings - This year, you have had family issues that have delayed you in filing taxes. You stand to face substantial penalties because you cannot afford to pay your taxes outright and must establish a payment arrangement with the IRS where you will be charged interest on the principal liability that is outstanding. Florida tax lawyers see this scenario every day. This is also why the IRS has an extension program that allows you to delay filing your taxes for up to six months in an effort to help you. If you have multiple late filings, speak with your Florida tax lawyers today to find out what the best solution for your situation is today.
  • Offshore Accounts – having an offshore account is not illegal as long as you are claiming the income you are making with the account. If you are not claiming the income that is where you will run into trouble with the IRS. It is no longer easy to hide money in offshore accounts due to the amnesty programs that the IRS offers. Florida tax lawyers can help you take advantage of these amnesty programs should you desire to do so. These amnesty programs result in thousands of people reporting income in offshore accounts which results in the IRS investigating these banks for other cases of unreported income. Investigations have been stepped up in recent years to find those who are not abiding by income tax laws. The penalties are severe and can result in criminal charges and hefty fines if offshore accounts are not reported in your taxes. Speak with your Florida tax lawyers today to find out how you can avoid these fines and criminal charges.
  • Business Taxes – Many business owners struggle with paying the many taxes that are owed each year. If they are not missing filing deadlines, they are paying too little tax each year. Working with Florida tax lawyers can help to ensure that business taxes are paid on time and in the correct amounts. If you do not file your business taxes or otherwise work out plans to make payment arrangements, you will find that your business assets may be seized. Speaking with your Florida tax lawyers will help you resolve the issues before it ever reaches the point of the IRS closing down your business. Florida tax lawyers are available to help you save your business by working hand in hand with the IRS to achieve a common goal. 


What a Tax Levy Means For You and How Miami Tax Lawyers Can Help

Monday, October 3, 2011

What a Tax Levy Means For You and How Miami Tax Lawyers Can Help

The Internal Revenue Service, better known to all of us as simply the IRS, has been the most feared agency of all time and for good reason. The IRS has the ability to place a levy on your accounts and also garnish your wages to ensure full repayment of back taxes. Anyone who has received a certified letter from the IRS has probably gone into full panic mode even before opening it. You no longer have to worry though with the assistance of Miami Tax Lawyers.

If you have received a letter from the Internal Revenue Service it is best to respond as quickly as possible to determine if you will need the assistance of Miami Tax Lawyers. A letter can mean many things – maybe you filed a tax form without a signature - the worst case scenario: the IRS is claiming you have back taxes that have not been filed. If you have received notice from them that their records show that you missed a year or several years of filing, you may want to consult Miami tax lawyers for assistance in resolving your case. If you chose to ignore their letter be prepared for a rapid response from the IRS, as they will work with you but only if you chose to do the same along with your Miami tax lawyers.

Consequences of Ignoring the IRS

If you have previously ignored their letter hoping that they will forget about you, think again, because it is only a matter of time before you wake up one morning and find out that your bank account, all of them containing your name, have been levied. This is definitely the time to meet with Miami tax lawyers because you only have 30 days before the funds are transferred to the IRS with no return. Miami tax lawyers will be able to help you set up an arrangement where you will be able to release the levy.

How Miami Tax Lawyers can Help You

By consulting with Miami tax lawyers and giving them the Power of Attorney to speak on your behalf, the attorney can then find out exactly what the discrepancies are and work to come up with a settlement that all parties can agree upon. You must file all taxes before any settlement offer can be accepted by the IRS, so make certain that you go over your records. Also, be aware that you will need to provide all documents pertaining to the year or years in question, including W-2’s and all tax forms for each year. A bank levy is a serious matter because all funds from all accounts are frozen. This can create an immediate hardship for any family or business that may be impossible to release without help from Miami tax lawyers.

Your best bet is to respond to any notice received from the IRS before it ever gets to the point of a levy. The IRS will send a certified notice to get your attention and allow you the opportunity to correct the situation before it goes any further. The IRS will offer you a payment arrangement for back taxes if you are found to be at fault. Allow your Miami tax lawyers to evaluate your financial situation and work out a plan with the IRS that suits all parties involved.



IRS Tax Attorney Shares Common Tax Deductions

Monday, October 3, 2011

IRS Tax Attorney Shares Common Tax Deductions

Filing taxes can be confusing to anyone especially with the ever changing tax laws. But there are some tax deductions that are pretty much standard on any tax return and you can find these out by contacting an IRS tax attorney. Deductions can drastically reduce the amount you owe the IRS so it is important to make certain that you are claiming everything you are able to and with the guidance of an IRS tax attorney, you will not be left in the dark.

An IRS tax attorney will inform you that there are two basic methods for filing your personal income taxes each year. You can use the short form – 1040EZ - if you have no additional deductions to claim or the long form – 1040A - for people who have child care expenses or work expense or other items not found on the short form. Either form can be used for any filing status such as married, single or widowed. Check with your IRS tax attorney to determine the best filing status for your particular situation.

What are the Common Tax Deductions?

Some of the common deductions that can be claimed on your tax return each year are as follows:

  • Mortgage - You will be able to claim a percentage of your interest on the mortgage loan on your tax return. The 1040 booklet will provide the amount you are able to claim – if you are unsure, you check with an accountant or an IRS tax attorney.
  • Medical Expenses - If you reach a percentage allowed by the IRS on your medical bills you can claim them on your tax return, so if you have had excessive medical bills for the current year, you will want to review the booklet and see if you meet the guidelines for the deduction. An IRS tax attorney will routinely check to ensure that taxpayers who seek advice are taking the medical expense deduction if the situation warrants.
  • Contributions to an IRA account - Contributions may be deductible depending on your gross income. Also if you participate in a 401(k) plan or are self-employed and put into a SEP plan.
  • Student Loans - You may be able to deduct up to $2,500 per year so long as they are not being claimed by someone else, and your annual gross income is not more than either $75,000 if filing single or $150,000 combined when filing a joint return. This is another common deduction that an IRS tax attorney will advise taxpayers to claim.
  • Child Care- This is a separate form added to your 1040 which allows you to claim a certain amount of the child care. Again factors such as gross income and filing status play a role in the amount you can claim – if you are in doubt – check with an IRS tax attorney.
  • Charity- If you donated a certain percentage of your income to a charity you will be able to claim that on a long form. Check with an IRS tax attorney for the laws on allowance.
  • Clothing and cleaning allowance- If you have a job that requires you to clean the uniforms provided or your job requires you to wear a certain type of shoes and they do not reimburse you for these items, you may be able to deduct these on the long form.

As with any deductions it is important to review the booklet that is sent to you from the IRS. This booklet contains all the allowable deductions for the current year. When there is any doubt you can either call the IRS or have an IRS tax attorney prepare the return for you.



How an IRS Tax Attorney Can Help You Out of a Bank Levy

Monday, October 3, 2011

How an IRS Tax Attorney Can Help You Out of a Bank Levy

Difficult times have affected many people over the past few years and if you are amongst those who have defaulted in either a tax agreement or payment of taxes, you may be at risk for an imposed bank levy by the IRS. A certified letter will be sent first to give you a final chance to pay, but if you are like many today, the ability to pay back the debt may be beyond your means. But do not despair there are professional people such as an IRS Tax Attorney who specializes in working with the IRS on your behalf.

When Should I Contact an IRS Tax Attorney?

Time is definitely of the essence when it comes to dealing with the IRS, therefore it is advised by an IRS tax attorney that sooner rather than later would be in order for seeking professional help. Most of the services that specialize in IRS levies have on staff either retired IRS agents or attorneys with years of experience in the laws involving your rights as a citizen. A levy on your account by the IRS means all accounts that have your name on them are at risk. The IRS has the right to remove funds until they reach the amount owed to them.

The main problem with bank levies is that once your account has been levied you only have 21 days to fight the charges with the help of an IRS Tax attorney. If you have a significant debt that is owed and the IRS has only collected a small portion through the levy there can be other means of collection that follow ahead, such as a garnish on your wages until the full repayment is satisfied.

How can an IRS Tax Attorney remove the levy?

Now that you have comfort in knowing that an IRS Tax attorney trained in dealing with the IRS is working in your corner you can begin the process of removing the levy.

  • First you will be asked to provide full disclosure of the tax year or years in question. This means all filed returns and any additional forms sent with the return. If all of your taxes have not been filed the IRS will not release the levy, so it is important to file them now if they have not previously been done. You can file the forms with the help of an IRS Tax Attorney.

  • You will need to sign a power of attorney over to the IRS Tax Attorney so that they can act on your behalf and avoid any future dealings, referring the IRS to your attorney in all correspondence. Your IRS tax attorney will work for you and help to satisfy the levy with a mutual agreement that is beneficial to both parties.

  • The IRS will also require a current financial statement providing them with your current status and ability to repay. This should be given to your IRS tax attorney to handle on your behalf.

From that moment on the IRS Tax Attorney will work out either a full settlement or repayment arrangement for you. Once the agreement has been made and accepted by all parties the bank levy can be released. It is important from that moment on that you do not default on any arrangement made to prevent further action from being taken by the IRS.



How a Sales Tax Lawyer can help with Estate Planning

Monday, October 3, 2011

How a Sales Tax Lawyer can help with Estate Planning

Since death is inevitable, it only makes sense to begin planning how to distribute your assets for when that time comes. While you may not think your estate is worth much, it really will not be worth anything if you do not take the proper precautions by contacting sales tax lawyers. If you do not know why it is important to have sales tax lawyers when planning the distribution of your estate, you may want to read further and see how sales tax lawyers can benefit both you and your beneficiaries.

What is Estate Planning?

Estate planning is when you start taking steps to determine what you want to happen with your assets when you pass. In order to get an idea of the steps involved in estate planning, it is best to become familiar with the aspects that are involved. Estate planning consists of several counterparts including:

  • Wills – A will is a written instrument in which your wishes are laid out for everyone to read. The executor of the will is usually the attorney, such as sales tax lawyers that you file the paperwork with, but you can specify an executor of your own should you desire. The will determines who your beneficiaries are and what assets or aspects of your estate they receive upon your death.
  • Trusts – A trust is when your property is trusted to one person who will run it as your wishes state. The trusts can be set up to an individual person or to an organization, the choice is yours. Sales tax lawyers can help you set this entire situation up along with the rest of your estate planning.  
  • Power of Attorney – Power of attorney is usually given to the lawyer who is executor of the will. This may not necessarily be the sales tax lawyers you hired, but rather a lawyer who is set up to handle all aspects of your estate.

By thoroughly planning out your estate prior to illness or death, you can rest assured that your estate will be in good hands and not seized by the IRS.

How a Sales Tax Lawyer Can Help

Now that you have learned about estate planning and the components, we are onto the important part – why you need sales tax lawyers. Sales tax lawyers are there to ascertain that the IRS does not take a large chunk of your assets upon your death. This will take away from what your beneficiaries receive or may even cause them to have tax liabilities. Sales tax lawyers work to ensure that your estate planning is free of hindrances that may land you or your beneficiaries in probate court. The last thing that your beneficiaries want to do is fight over your estate or hand a large part of it over to the IRS.

How to Contact Sales Tax Lawyers

Contacting sales tax lawyers is easy and they should be considered a priority on your list when you begin the process of estate planning. You can contact most lawyers for a free initial consultation that will outline what services you are looking for. Be sure to have a plan in mind as far as your estate planning goes and remember that a sales tax lawyer is a good safe bet that your assets will be distributed the way you want them to be. 



How IRS Tax Lawyers can assist you with State Wage Garnishment

Monday, October 3, 2011

How IRS Tax Lawyers can assist you with State Wage Garnishment

Just seeing a letter from the IRS can put fear in anyone, but if you have not responded to the notice thinking the problem will just go away, you are not thinking wisely. The IRS has the power to levy all accounts including checking accounts, savings accounts and even joint accounts that include your name on them. The first attempt is a bank levy as a wakeup call that you owe back taxes. If that does not get your attention IRS tax lawyers tell you that the next step the IRS will take is a garnishment of your wages. This can put an extreme hardship on any family as they leave you with just enough to live on. You can forget about working overtime or taking on a second job, because the additional income will just be taken as well. When this happens you will want to contact IRS Tax lawyers who specialize in handling these matters.

What can you do if a garnishment letter has been sent to your employer?

The good news, if there is any, is that the employer must notify you of the Internal Revenue Service’s intent to garnish your wages. The letter states the date when the funds must begin to be withheld from your paycheck. The IRS gives you 21 days from the date of the letter offering you still another chance to settle or make arrangements to pay off your debt. At this time is would be in your best interest to consult with an attorney or IRS Tax lawyers. Once you have acquired the IRS tax lawyers they will, with your authorization deal with the IRS and arrange for either a settlement or repayment plan.

How Can IRS Tax Lawyers settle the debt?

  • First you will need to make certain that all taxes have been filed and provide proof to your IRS tax lawyers of the years in question. The IRS will not make any arrangements while there are unfiled taxes outstanding.

  • You will need to disclose a financial statement showing any and all income available to you, along with all outstanding debts for the IRS to work with IRS tax lawyers to determine what you can pay.

  • A Power of Attorney will be signed over to your attorney giving them the ability to speak with the IRS on your behalf. From that point on you will refer any calls from them to your IRS tax lawyers.

  • IRS tax lawyers will speak with an IRS agent on your behalf and come up with either a proposed settlement or repayment plan. Only once this has been achieved can the garnish of wages be stopped.

What to do After Your IRS Tax Attorneys Settle the Matter

It is important to note that once an agreement has been made and accepted by all parties that you do not default. This is because the IRS does not need any future notice to reinstate the proposed garnish of wages and it would be very difficult to reverse the garnishment the second time around. Your IRS tax lawyers will work at setting up payments that are attainable as these payments would be in your best interest to make certain that a default does not happen. Once your payment plan is in place, you will no longer have to worry about garnished wages.



When You Need to File a Tax Return and How IRS Lawyers Can Help

Monday, October 3, 2011

When You Need to File a Tax Return and How IRS Lawyers Can Help

Paying taxes is nothing new to any of us, especially not once you enter the working force. However, it can be confusing to determine whether or not you will be responsible for filing taxes. This is where IRS lawyers come in handy as they can help you determine if you have any liabilities that you need to claim. Some people do not need to file, either because they have zero tax liability or because they did not earn enough to qualify for any refunds. Whether or not you are required to file, it is always a good idea to do so to avoid any IRS scrutiny over returns.

Reasons to File Taxes

Most taxpayers according to IRS lawyers file to get a refund or to pay their outstanding tax liabilities. Depending upon your income, your age and your liabilities, you may not be required to file any taxes, but it is advised that you do so in order to determine your liabilities, if any. You also want to use the advice of IRS lawyers when it comes to any legality that may surround your taxes. Some of the most common reasons why you would file your taxes, other than the legal requirements are to claim deductions and have some of your income refunded to you.

Common Deductions on Income Taxes

There are many different deductions that tax filers may qualify for. IRS Lawyers along with Certified Public Accountants (CPAs) know how to get the maximum deductions for both taxpayers and businesses. A list of common deductions includes the following:

  • Federal and State Income Taxes – These two forms of taxes are withheld from each paycheck, providing your income exceeded a certain amount each period. Most employees will have a federal and state deduction on their paychecks. If you do not have a federal or state deduction, you are not going to be eligible for a refund of any wages withheld. Income taxes are one of the most common problems that IRS Lawyers handle.
  • College Credits – If you or anyone of your dependents attended college that was paid for by you out of pocket, you can claim these college credits when you file your taxes. There are two major programs that the federal government runs – Lifetime Learning Credit and the American Opportunity Credit – both of which allow up to a certain amount to be deducted from your tax liability. This will ensure a refund if you paid taxes throughout the year and do not have any other tax liabilities. If denied, you can contact IRS lawyers to determine if you should have gotten the credit.
  • Earned Income Tax Credit – known as an EITC, if you have qualifying dependents and fall under the income guidelines, IRS Lawyers will tell you that you are qualified to take this deduction. There are strict guidelines, however, so be sure that you meet the requirements before taking the credit. Otherwise you will need IRS Lawyers when the federal government demands that you repay the credit.
  • First Time Homebuyers Credit – This is a relatively new credit to the market that allows for an $8,000 tax credit for first time homebuyers. IRS Lawyers advise taking the credit when you buy a new home in a qualifying year. The home does not have to be newly built, you just have to be purchasing a home for the first time in your life.

 

How IRS Lawyers can help

It is never a pleasant experience when the IRS comes knocking on your door, so to speak. If you are called upon for an audit IRS lawyers are your best bet because they know tax laws intricately. Using their services can save not only your wages from being garnished, but possibly your possessions from being seized and sold to pay existing liabilities.