Dealing with IRS problems is stressful on its own, but the situation becomes far more urgent when the IRS levies a bank account or paycheck. For taxpayers in Buffalo and throughout New York State, a levy often feels sudden — yet it typically follows months of IRS notices and missed deadlines. Once funds are taken, covering everyday expenses becomes harder, and planning ahead feels impossible. Understanding why levies happen and what IRS Help can still do is a critical first step.
Why the IRS Issues a Levy
An IRS levy is never the first step in the collection process. Before the IRS takes money from your bank account or wages, it sends multiple notices — often 10 or more — warning that enforced collection may follow.
One of the most important notices is Letter 11, informing taxpayers that a levy or tax lien is next if the issue is not resolved. By the time a levy is issued, the IRS has already determined that the taxpayer is out of compliance.
What the IRS Can Take Through a Levy
When a levy is issued, the IRS has the authority to remove money from:
- Bank accounts
- Paychecks and wages
- Social Security benefits (in many cases)
- Retirement accounts, including certain IRAs
Many New York taxpayers are surprised to learn that retirement funds can be levied if a tax debt remains unresolved. Once the money is taken, recovering it is extremely difficult — which is why early action is so important.
How Levy Releases Work
Even after money has been taken, some IRS levies can still be released. The process typically involves:
- Contacting the IRS or the Revenue Officer handling your case
- Identifying the reason for non-compliance
- Taking corrective action, such as:
- Filing missing tax returns
- Updating financial information
- Setting up an installment agreement or other resolution
Taking these steps can help prevent the IRS from seizing additional funds while your case is being resolved.
Why Acting Before a Levy Is Issued Matters
Although some levies can be released, recovering seized funds is challenging. Once the IRS attaches your money, your resolution options shrink. Responding early — especially when you receive Letter 11 — gives taxpayers in Buffalo and across NY a better chance of avoiding forced collection.
Taking action quickly not only protects your financial situation but also reduces the stress and complications that follow.
How IRS Help Supports Taxpayers in Buffalo and Across New York State
IRS Help works with individuals, families, and small businesses throughout Buffalo, Western NY, and the state of New York who are facing levies, liens, wage garnishments, and urgent IRS problems.
The team helps by:
- Reviewing IRS transcripts
- Identifying the exact cause of the levy
- Outlining the best available tax resolution options
- Building a clear and organized path back to compliance
IRS Help focuses on resolving the immediate levy while also helping clients stay compliant long-term, so they can move forward with confidence.
For more information about IRS levies or to speak with a tax resolution specialist in Buffalo or anywhere in New York State, contact IRS Help at 1-800-477-4357 or visit IRSHelp.com.