Can You Be Fired for IRS Wage Garnishment?

If you are reading this, you are probably not casually curious. You are likely dealing with IRS letters, rising anxiety, and the very real fear that your paycheck—or your job—could disappear. In many cases we see, the fear of wage garnishment becomes more paralyzing than the garnishment itself. People imagine worst-case scenarios: being fired, humiliated at work, or suddenly unable to pay rent or buy groceries.

This article is written for taxpayers in that exact position.

Not in theory. Not from a classroom. But from repeated exposure to how IRS collection actions actually unfold in real life, across hundreds of situations where wage garnishment or levies were threatened, initiated, stopped, or escalated.

We will answer the core question directly and precisely:

Can you be fired because of an IRS wage garnishment?

Then we will go much deeper—because the real danger is not just the garnishment itself, but misunderstanding how and when the IRS escalates, what employers are legally allowed to do, and which actions actually stop enforcement versus which ones quietly make things worse.

Throughout this article, we will refer to the Internal Revenue Service simply as “the IRS,” because that is how taxpayers experience it in practice—not as a single monolithic agency, but as a series of departments, notices, and enforcement stages that behave in surprisingly predictable ways.

https://removeirswagegarnishmentusa.com/remove-irs-wage-garnishment-step-by-step

The Short Answer: Can You Be Fired for IRS Wage Garnishment?

Under federal law, your employer cannot legally fire you solely because of one IRS wage garnishment.

This protection comes from the Consumer Credit Protection Act (CCPA), which limits employer retaliation for a single garnishment. In practice, this means:

• If the IRS issues one wage garnishment

• And your employer receives and complies with it

• Your employer is not allowed to terminate you because of that garnishment alone

Most taxpayers misunderstand this point. They assume that the moment payroll receives an IRS notice, their job is automatically at risk. In reality, employers are accustomed to garnishments—IRS, child support, student loans—and most have established payroll procedures to handle them quietly and routinely.

However, this is not the full story.

There are important limits, gray areas, and practical risks that are rarely explained clearly. In many cases we see, people are not fired because of the garnishment—but they still lose their job as a downstream consequence of how the situation is handled.

To understand why, you must understand how IRS wage garnishment actually works, how it differs from a levy, and how employers experience the process.

IRS Wage Garnishment vs IRS Levy: The Legal Difference That Changes Everything

One of the most damaging misunderstandings we see is taxpayers using the terms “garnishment” and “levy” interchangeably. The IRS does not.

What IRS Wage Garnishment Actually Is

Technically, when the IRS takes money directly from your paycheck, it is doing so through a wage levy. Informally, taxpayers call this “wage garnishment,” but legally it is a continuous levy on wages.

This distinction matters because:

• A wage levy stays in place until the debt is resolved or released

• It is not a one-time event

• It can last months or even years if not addressed

In practice, this often happens when a taxpayer ignores earlier notices, assumes the IRS “will work with them later,” or believes filing paperwork alone will stop enforcement.

What an IRS Bank Levy Is (And Why It Feels More Violent)

A bank levy is different:

• It targets funds already in your account

• It freezes the account first

• Then seizes available funds after a short holding period

Unlike wage levies, bank levies are usually one-time hits, but they can be repeated. Psychologically, they feel more aggressive because access to money disappears overnight.

One pattern that repeats across IRS enforcement actions is this:
Taxpayers fear wage garnishment, but bank levies cause the real financial collapse.

Understanding which action you are facing—and which one is coming next—is critical.

How Wage Garnishment Affects Your Paycheck in Real Life

Many people imagine IRS wage garnishment as “they take 25% of your pay.” That is not how IRS garnishment works.

IRS Garnishment Is Not Percentage-Based

Unlike private creditors, the IRS does not garnish a fixed percentage. Instead, it allows you to keep only a small exempt amount based on:

• Filing status

• Number of dependents

• Pay frequency

Everything above that amount goes to the IRS.

In many cases we see, taxpayers are shocked by how small the exempt amount is. The result is often:

• Paychecks reduced to barely survivable levels

• Immediate inability to cover basic expenses

• A sense of financial suffocation rather than gradual pressure

This is why IRS wage garnishment feels more severe than most other garnishments.

How Employers Are Actually Involved (And What They Care About)

Employers do not choose whether to honor an IRS wage garnishment. They are legally required to comply.

What Happens Inside Payroll

When an employer receives an IRS wage levy:

1. Payroll verifies the notice

2. They calculate the exempt amount

3. They withhold the required portion

4. They send it to the IRS each pay period

For most employers, this is administrative—not emotional. They do not judge, interrogate, or escalate internally unless something unusual happens.

In practice, employers care about three things:

• Compliance – avoiding IRS penalties

• Administrative burden – avoiding repeated notices

• Disruption – avoiding employee conflict or payroll errors

A single garnishment rarely triggers problems. Multiple garnishments, inconsistent paperwork, or employee panic often does.

What We See Most Often in Real IRS Enforcement Cases

This section reflects repeated patterns observed across many IRS collection cases, not isolated anecdotes.

The Fear Comes Long Before the Garnishment

In many cases we see, taxpayers live in fear for months or years before any garnishment actually happens. The IRS sends a sequence of notices that feel threatening but are not yet enforcement.

This fear causes people to:

• Avoid opening mail

• Delay calling the IRS

• Make partial payments without a plan

• File forms too late to stop escalation

Ironically, the fear itself often accelerates the outcome.

Garnishment Rarely Comes Without Warning

Despite its reputation, the IRS almost never garnishes wages without sending multiple notices first. There is usually:

• An initial balance notice

• Follow-up reminders

• A Final Notice of Intent to Levy

• A notice of your right to a hearing

Most taxpayers misunderstand this point. They think the garnishment “came out of nowhere,” when in reality the warnings were present—but poorly understood.

The Employer Is Usually the Last to Know

Another repeating pattern: employers often learn about the garnishment after the taxpayer has been dealing with IRS letters for months.

This creates an emotional shock. The problem suddenly feels public. But from the employer’s perspective, it is simply a compliance task.

Common Mistakes Taxpayers Make

Mistakes—not debt—are what usually trigger the most damaging outcomes.

Mistake #1: Waiting Until Garnishment Starts to Act

Timing matters more than paperwork. In practice, options that stop garnishment are far more effective before the levy is active.

Once wages are already being taken:

• Some options still work

• Others become slower or less effective

• Stress increases dramatically

Mistake #2: Assuming “I Filed Something” Means Protection

Many taxpayers believe filing a form automatically freezes IRS action. This is often false.

Examples include:

• Submitting an Installment Agreement request without follow-up

• Mailing hardship documentation without confirmation

• Filing late returns without addressing collections

In many cases we see, enforcement continues because the IRS never processed—or never approved—the paperwork.

Mistake #3: Calling the IRS Without a Clear Objective

Calling the IRS without knowing what you are asking for often backfires.

Why? Because:

• The IRS employee’s job is to collect or secure compliance

• They respond to what you request—not what you hope for

• Vague conversations can trigger deadlines or reviews

Preparation matters.

Patterns That Repeat Across IRS Collection Departments

Although the IRS feels chaotic from the outside, its internal behavior is surprisingly patterned.

Automated Collections Are Relentless but Predictable

Early-stage collections are automated. Notices go out on schedules. Responses are processed in batches.

In this stage:

• The IRS rarely exercises discretion

• Delays are common

• Silence is interpreted as non-cooperation

Human Revenue Officers Change the Tone Completely

Once a case is assigned to a Revenue Officer, everything changes:

• Enforcement becomes faster

• Deadlines become real

• Garnishments and levies escalate quickly

One pattern that repeats across IRS enforcement actions is this:
Taxpayers who act decisively before human assignment fare far better than those who wait.

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Why Levies Escalate Faster Than People Expect

Bank levies and wage levies are not parallel paths. They often occur sequentially.

In many cases we see:

1. Wage levy begins

2. Taxpayer struggles but survives

3. IRS escalates to bank levy to accelerate payment

4. Financial collapse occurs

This is why stopping garnishment early is not just about paycheck relief—it is about preventing the next step.

Psychological Pressure Tactics vs Legal Reality

IRS notices are written to prompt action. They use:

• Urgent language

• Deadlines

• Legal consequences

This creates psychological pressure. But not every threat is immediate.

Most taxpayers misunderstand this point. They either panic too early—or worse—panic too late.

Understanding which notices are procedural and which are enforcement triggers changes everything.

What Actions STOP Garnishment vs STOP Levy

Not all solutions are equal.

Options That Can Stop Wage Garnishment

Depending on timing and circumstances, these may include:

• Approved Installment Agreements

• Currently Not Collectible (CNC) status

• Timely Collection Due Process hearings

• Certain hardship determinations

Options That Stop Bank Levies but Not Wage Garnishment

Some actions release bank levies but do not automatically stop wage levies. This distinction matters.

In practice, this often happens when taxpayers focus on the most recent pain point instead of the overall strategy.

Why Timing Matters More Than Paperwork

We see this repeatedly: two taxpayers file the same form. One succeeds. One fails.

The difference is timing.

• Before Final Notice → options are broad

• After levy notice → options narrow

• After levy begins → options slow down

The IRS responds very differently depending on where you are in the timeline.

When Fighting Back Actually Works vs When It Backfires

There are moments when pushing back is effective—and moments when it is dangerous.

Filing appeals too late, disputing valid balances, or ignoring deadlines often accelerates enforcement.

In contrast, targeted, timely action aligned with IRS procedure often produces relief.

Knowing the difference is what separates control from chaos.

Can You Be Fired If Garnishment Happens More Than Once?

Here is where the risk increases.

Federal law protects you from termination due to one garnishment. It does not necessarily protect you from multiple garnishments—especially from different creditors.

In many cases we see:

• IRS garnishment + child support

• IRS garnishment + state tax levy

• IRS garnishment + private creditor

At that point, employers may have legal flexibility they did not have before.

This is why preventing escalation matters—not just surviving the first garnishment.

The Real Risk Is Not Termination—It Is Financial Erosion

Most people who lose jobs during IRS collection do not lose them because of a single garnishment. They lose them because:

• Stress affects performance

• Transportation or housing becomes unstable

• Secondary financial crises emerge

Stopping garnishment early protects more than income—it protects stability.

Final Thoughts Before We Move to Solutions

If you are facing IRS wage garnishment, the situation is serious—but it is not hopeless.

What matters most is not fear, paperwork, or promises. It is understanding how the IRS actually behaves, where you are in the enforcement timeline, and which actions produce real results at that stage.

Take Back Control With a Clear, Structured Plan

If you want step-by-step clarity—without hype or false guarantees—our guide:

How to Remove IRS Wage Garnishment – Step by Step

was created specifically for taxpayers in this position.

It focuses on:

• Understanding your exact enforcement stage

• Choosing actions that actually stop garnishment

• Avoiding mistakes that escalate levies

• Regaining cash flow while protecting long-term stability

Not miracles. Not shortcuts. Just a structured path to control, clarity, and saving money when timing matters most.

When you’re ready to move from fear to informed action, that’s where to start.

continue

…where to start.

How the IRS Notice Timeline Really Leads to Wage Garnishment

One of the most damaging misunderstandings we see is the belief that IRS wage garnishment is sudden or arbitrary. In reality, it follows a very specific notice sequence, and the IRS almost never skips steps. What taxpayers miss is which notice actually matters.

The Early Notices Most People Ignore

In many cases we see, the first letters are treated as “informational” or “low priority.” These typically include:

• Initial balance due notices

• Reminder notices showing penalties and interest

• Automated follow-ups that look repetitive

At this stage, the IRS is not enforcing. It is documenting noncompliance. Silence during this phase does not trigger immediate action, but it builds the file.

One pattern that repeats across IRS enforcement actions is that taxpayers underestimate the importance of responding early, even if they cannot pay.

The Critical Shift: Final Notice of Intent to Levy

Everything changes when the IRS issues a Final Notice of Intent to Levy and Notice of Your Right to a Hearing.

This notice is not just another letter. It is the legal gateway to enforcement.

In practice, this often happens when:

• Returns are filed but balances remain unpaid

• No approved payment plan is in place

• Previous notices received no meaningful response

From this point forward, the IRS has legal authority to levy wages and bank accounts after the waiting period expires.

Most taxpayers misunderstand this point. They think the “final notice” means “last warning before collections someday.” In reality, it means enforcement can begin very soon.

The 30-Day Window That Changes Outcomes

After the Final Notice of Intent to Levy, there is usually a 30-day window where certain actions can legally pause enforcement.

What happens during this window determines whether garnishment is avoided or becomes almost inevitable.

In many cases we see:

• Taxpayers delay action until day 28 or 29

• Forms are mailed but not received in time

• Phone calls are made without submitting the correct request

Timing matters more than paperwork. A perfect form filed too late often accomplishes nothing.

Why IRS Wage Garnishment Feels So Personal at Work

Even though wage garnishment is procedural, the emotional impact at work is intense.

Loss of Privacy Is the Real Shock

For most people, this is the first time a financial problem becomes visible to an employer. Payroll departments may need to ask clarifying questions. HR may be notified.

In practice, employers usually handle this discreetly—but the taxpayer feels exposed.

This emotional reaction often leads to poor decisions:

• Confronting payroll aggressively

• Oversharing details with supervisors

• Panicking and quitting jobs prematurely

We see this repeatedly, and it often worsens the situation.

Employers Are Not the IRS—and That Matters

Employers do not decide:

• How much is taken

• When the garnishment starts

• When it ends

They are intermediaries, not enforcers.

In many cases we see, tension at work comes not from employer hostility, but from employee stress spilling into interactions.

Understanding this helps preserve employment stability during enforcement.

IRS Wage Garnishment vs Bank Levy: Cash Flow Damage Compared

Both actions hurt, but they hurt differently.

Wage Garnishment Is Slow Suffocation

A wage levy:

• Reduces each paycheck

• Continues indefinitely

• Creates chronic stress

In practice, this often leads to:

• Falling behind on bills

• Using credit to survive

• Gradual financial erosion

Bank Levy Is Sudden Trauma

A bank levy:

• Freezes funds immediately

• Disrupts rent, utilities, and food access

• Creates instant crisis

One pattern that repeats across IRS collection departments is this:
Taxpayers who survive wage garnishment without a plan often collapse when the first bank levy hits.

The IRS uses bank levies strategically when wage garnishment alone is not producing fast enough results.

How and Why Levies Escalate Faster Than Expected

Many taxpayers assume enforcement will stay “stable” once garnishment begins. This is rarely true.

The IRS Is Always Measuring Progress

The IRS monitors:

• How much is being collected

• How quickly balances decline

• Whether the taxpayer is compliant going forward

If progress is slow—or if new liabilities arise—enforcement escalates.

In practice, this often happens when:

• Garnishment leaves the taxpayer barely functioning

• No long-term resolution is approved

• Communication with the IRS stops

Escalation is not personal. It is procedural.

What Actually Stops IRS Wage Garnishment (And What Does Not)

This is where misinformation causes the most harm.

Actions That Commonly STOP Garnishment

Depending on timing and eligibility, these include:

• Approved Installment Agreements
  Once accepted and active, wage levies are typically released.

• Currently Not Collectible (CNC) Status
  When financial hardship is demonstrated and accepted.

• Timely Collection Due Process (CDP) Requests
  Filed within the allowed window after Final Notice.

• Certain Appeals or Holds
  When correctly requested and acknowledged.

In practice, these only work when approved, not merely submitted.

Actions That Often FAIL to Stop Garnishment

We see these mistakes constantly:

• Mailing forms without confirmation

• Assuming verbal statements “put notes on the account”

• Filing incomplete financial disclosures

• Waiting for callbacks that never come

The IRS acts based on system status, not intentions.

Which Options Apply to Both Garnishment and Levy—and Which Do Not

This distinction matters more than most people realize.

Options That Can Stop Both

• Approved payment plans

• CNC status

• Certain appeals

Options That May Stop Bank Levies but Not Wage Garnishment

• Emergency levy releases

• Partial hardship claims

• Short-term holds

In many cases we see, taxpayers stop the bank levy but assume wages are safe—only to see garnishment continue.

Understanding this prevents false relief.

Why Timing Matters More Than Any Single Form

Two taxpayers can submit identical requests with completely different outcomes.

The difference is usually where they are in the enforcement timeline.

• Before Final Notice → broad discretion

• After Final Notice but before levy → limited protection

• After levy begins → damage control

Most taxpayers focus on what to file, not when. The IRS focuses on timing.

When Fighting Back Works—and When It Backfires

There is a moment when pushing back is effective—and a moment when it accelerates enforcement.

When Fighting Back Works

• Challenging incorrect balances early

• Requesting hearings within deadlines

• Providing complete financial disclosures

When Fighting Back Backfires

• Disputing valid debt late

• Filing appeals purely to delay

• Ignoring deadlines while “preparing”

In many cases we see, taxpayers unintentionally signal noncooperation, triggering faster enforcement.

Can Multiple Garnishments Cost You Your Job?

This is where job risk becomes real.

Federal law protects against termination due to one garnishment. It does not guarantee protection when:

• Multiple garnishments exist

• Administrative burden becomes excessive

• Employer policies are triggered

In practice, this often happens when IRS garnishment is layered on top of:

• Child support

• State tax debts

• Private judgments

Preventing additional enforcement is critical.

The Real Objective: Preventing the Second Crisis

Most taxpayers focus on surviving the first garnishment. The smarter objective is preventing the second enforcement action.

That second action—usually a bank levy—is what destroys stability.

In many cases we see, those who act decisively early maintain employment, housing, and dignity. Those who delay spiral.

Final Perspective: Control Beats Fear

IRS wage garnishment is not the end of your financial life. But misunderstanding it often is.

The IRS follows patterns. Employers follow rules. Outcomes depend on timing, clarity, and strategy—not panic.

Take the Next Step With Structure, Not Guesswork

If you want a clear, step-by-step path—built around how IRS collections actually unfold—the guide:

How to Remove IRS Wage Garnishment – Step by Step

exists for one reason: to replace fear with control.

It walks through:

• Identifying your exact enforcement stage

• Choosing actions that actually stop garnishment

• Avoiding mistakes that trigger levies

• Protecting cash flow while reducing long-term damage

No hype. No guarantees. Just a structured, practical roadmap for navigating one of the most stressful IRS enforcement actions taxpayers face.

When timing matters—and it does—clarity saves money, stability, and peace of mind.

continue

…peace of mind.

How Employers Typically React in Real IRS Wage Garnishment Situations

To understand whether you can be fired—and why most people aren’t—you have to look at this from the employer’s side, not the taxpayer’s.

In many cases we see, taxpayers assume their employer views IRS garnishment as a red flag about character or reliability. In practice, employers usually see it as a compliance event, not a moral judgment.

Payroll Departments See Garnishments Constantly

Large employers process garnishments every single payroll cycle. Smaller employers see them less often, but even then, IRS wage levies are not shocking or rare.

From payroll’s perspective:

• The IRS notice is standardized

• The calculations are mechanical

• The obligation is mandatory

There is usually no internal discussion about whether the employee “deserves” the garnishment. The only concern is doing it correctly to avoid penalties.

Most taxpayers misunderstand this point. They project their own fear and shame onto the employer, when the employer is focused on process.

When Employer Friction Actually Appears

Problems arise when the garnishment creates operational friction, not because of the debt itself.

In practice, this often happens when:

• Multiple garnishments overlap

• Employees argue with payroll about withholding amounts

• Paperwork is incomplete or contradictory

• IRS sends repeated correction notices

One pattern that repeats across IRS enforcement actions is this:
Job risk increases not because of garnishment, but because of disruption.

Stability and predictability matter more to employers than the existence of debt.

Why Some People Still Lose Jobs During IRS Garnishment

This is an uncomfortable truth, but it needs to be stated clearly.

People sometimes lose jobs during IRS wage garnishment. They almost never lose them because of IRS wage garnishment alone.

Secondary Effects That Cause Job Loss

In many cases we see, termination happens because of:

• Chronic stress leading to absenteeism

• Transportation issues after bank levies

• Housing instability affecting work performance

• Emotional outbursts at work due to pressure

The garnishment is the trigger, not the cause.

Understanding this distinction shifts the focus from fear of being fired to protecting overall stability.

IRS Collection Departments Do Not Communicate the Way You Think

Another major source of confusion is the belief that “the IRS” is a single entity that sees everything instantly.

In practice, it is fragmented.

Automated Collections vs Human Enforcement

Early collections are automated. Once enforcement escalates, human revenue officers may step in.

These departments:

• Do not always see the same information at the same time

• May not be aware of pending paperwork

• Rely heavily on system status codes

This is why taxpayers who “sent something in” still get garnished.

One pattern that repeats across IRS collection departments is delay between submission and recognition. Enforcement does not pause just because paperwork is in transit.

Why Calling the IRS Feels Useless (But Sometimes Isn’t)

Many taxpayers call the IRS repeatedly and feel like nothing changes.

There is a reason.

IRS Phone Calls Are Transactional, Not Strategic

When you call:

• The representative responds to what is visible on the system

• They cannot act on documents not yet processed

• They follow scripts and authority limits

In practice, this often means:

• You are told to wait

• Notes are added that do not stop enforcement

• Deadlines continue running

Calling without a clear, time-sensitive request rarely changes outcomes.

The Difference Between “On Hold” and “Protected”

Another dangerous misunderstanding is the idea that a temporary hold equals safety.

In many cases we see, taxpayers are told:

• “There’s a hold on your account”

• “Collections are paused”

• “Wait for processing”

But there are different types of holds.

Temporary Administrative Holds

These may:

• Last days or weeks

• Expire automatically

• Not block levy authority

Legal Protections

These include:

• Approved agreements

• Active appeals

• Formal CNC status

Only the latter reliably stop garnishment.

Most taxpayers misunderstand this point and relax too early.

IRS Psychological Pressure vs Actual Legal Risk

IRS notices are intentionally stressful. They are designed to provoke action.

But not all pressure equals immediate danger.

Why the IRS Uses Escalating Language

The IRS increases urgency to:

• Prompt voluntary compliance

• Reduce the need for enforcement

• Establish a record of notice

This is psychological pressure layered on legal authority.

Understanding which notices are pressure and which are triggers prevents panic—and paralysis.

When Timing Alone Determines the Outcome

We have seen cases where nothing about the taxpayer changed—income, debt, hardship—but the result changed entirely because of when action was taken.

Early Action vs Late Action

Early action often leads to:

• Manageable payment plans

• No garnishment

• Preserved cash flow

Late action often leads to:

• Wage levies

• Bank levies

• Damage control mode

The IRS does not retroactively reward good intentions.

What Happens After Wage Garnishment Starts (Step by Step)

Once wages are being garnished, many people freeze. They assume the situation is locked in.

It is not—but options narrow.

Immediate Aftermath

• Employer implements withholding

• First reduced paycheck arrives

• Shock and panic set in

IRS Monitoring Phase

The IRS watches:

• Payment flow

• Compliance with new taxes

• Any contact or requests

Escalation Decision

If progress is slow or silence continues, escalation becomes likely.

This is why taking action after garnishment begins still matters—but requires precision.

Why Some “Solutions” Quietly Make Things Worse

Not all attempts to fix the problem help.

In practice, we see harm caused by:

• Partial payments without agreements

• Filing new returns without addressing old debt

• Moving money to avoid levies

• Quitting jobs to escape garnishment

These actions often trigger faster enforcement.

The Myth of “Waiting It Out”

Some taxpayers believe the IRS will eventually stop trying.

This is rarely true.

Interest accrues. Penalties compound. Enforcement renews.

The IRS has time. Most taxpayers do not.

Long-Term Consequences of Ignoring Garnishment

Even if you survive month to month, the long-term impact can include:

• Increased total debt

• Reduced credit access

• Repeated enforcement cycles

Stopping garnishment is not just about relief—it is about preventing a multi-year spiral.

Why Structured Action Beats Reactive Panic

In many cases we see, the taxpayers who regain control are not the wealthiest or most sophisticated. They are the ones who:

• Understand the enforcement stage

• Choose actions aligned with that stage

• Follow through precisely

Structure beats emotion every time.

Bringing It Back to the Original Question

Can you be fired for IRS wage garnishment?

Legally, for a single garnishment, no.
Practically, stability depends on how you handle the situation.

Avoiding escalation protects not just your paycheck, but your job, housing, and mental health.

A Calm, Practical Next Step

If you are facing IRS wage garnishment—or fear it is coming—the most valuable thing you can gain is clarity.

The guide:

How to Remove IRS Wage Garnishment – Step by Step

was built for this exact moment.

It does not promise miracles. It does not rely on theory. It walks through:

• How to identify where you are in the IRS timeline

• Which actions actually stop garnishment at each stage

• How to avoid mistakes that trigger bank levies

• How to regain control of cash flow without making things worse

Clarity creates control. Control saves money. And in IRS enforcement, timing makes all the difference.

If you are ready to replace fear with informed action, that is the place to begin

https://removeirswagegarnishmentusa.com/remove-irs-wage-garnishment-step-by-step