IRS Levy Attorney in Lawrence

Protecting Your Paycheck & Bank Account From IRS Collection

When the IRS starts taking money from your paycheck or bank account, it can feel like your entire budget has been turned upside down overnight. An IRS levy is not a warning; it is the moment the IRS actually reaches into your income or savings. If you live or work in Lawrence and are facing this kind of collection, you need clear information and practical options.

At The Law Office of Sarah Sypher LLC, we help Kansas residents understand how bankruptcy may affect IRS collection efforts, IRS Levy Defense, and other overwhelming debt. Our practice is devoted solely to bankruptcy law, and for more than 17 years, we have walked clients through Chapter 7 and Chapter 13 so they can work toward regaining financial control. We offer confidential, free consultations, so you can talk about an IRS levy in a private setting and get guidance on your next steps.

When you contact us, our IRS levy attorneys in Lawrence review your notices, your tax situation, and the rest of your debt picture. Our goal is to help you understand where the levy came from, what it means, and how bankruptcy or other strategies might give you breathing room.

How IRS Levies Affect Your Life

An IRS levy is the legal tool the IRS uses to take property after taxes are not paid and required notices have been sent. With a wage levy, part of each paycheck goes directly to the IRS before you see it. With a bank account levy, money already in your account can be frozen and sent to the IRS if you do not act in time.

People in Lawrence and throughout Kansas often first notice a problem when theirtake-homee pay suddenly drops or when a bank informs them that funds are on hold because of an IRS order. Rent, groceries, childcare, and utilities can all be at risk because your usual income is no longer available. Even if you know you owe taxes, the shock of a levy can be overwhelming.

It also helps to understand the difference between a lien and a levy. A federal tax lien is a legal claim filed against your property because of unpaid taxes. A levy is the actual taking of money or property. By the time a levy happens, the IRS has already followed several steps, which is why it is so important not to ignore letters that arrive along the way.

Our IRS levy attorneys in Lawrence talk with clients who feel embarrassed, frightened, and unsure of whom to trust. Our role is not to judge your past decisions. Instead, we work with you to understand the full picture, including credit card balances, medical bills, mortgage arrears, and any IRS debt that led to a levy.

Protect your property and your investment. Call (913) 372-3556 or reach out online to speak with a trusted Tampa real estate attorney today.

Bankruptcy Options For IRS Levies

Once you understand how an IRS levy affects your day-to-day life, the next question is what can be done about it. Bankruptcy is one of the legal tools that may help in many forms of collection. When a bankruptcy case is filed, an automatic stay usually goes into effect. This stay is a court order that tells most creditors, including the IRS in many situations, to stop collection for a period of time.

How your IRS debt is handled in bankruptcy depends on several factors. These can include the type of tax, when the tax return was filed, when the tax was assessed, and whether there has been fraud or intentional evasion. Some older income tax debts may become dischargeable in a Chapter 7 case, while others must be paid through a Chapter 13 repayment plan.

In a Chapter 7 case, many unsecured debts, such as credit cards and certain medical bills,s can be eliminated if you qualify. For IRS obligations, we look closely at dates and documents to see which portions might be dischargeable and which would remain. Even when a particular tax debt cannot be wiped out, removing other debts can sometimes make IRS payments more manageable.

In a Chapter 13 case, you propose court-superviseded repayment plan that typically lasts three to five years. Priority tax debts that cannot be discharged are usually paid through this plan, along with mortgage arrears or car payments when needed. During the plan, the automatic stay generally keeps protected property safe from most collection activity, which can give you time to cure arrears and address IRS balances in an organized way.

Every tax situation is different, and the rules that decide how a specific IRS levy is affected by a bankruptcy filing are detailed. As a Kansas bankruptcy attorney with more than 17 years of experience, I carefully review your tax transcripts, notices, and other debts to recommend a path that fits your circumstances. Our practice focuses on bankruptcy only, so our attention is on how these laws apply to problems like levies, wage garnishments, foreclosures, and repossessions.

When you schedule a confidential, free consultation, our IRS levy attorneys in Lawrence talk through whether Chapter 7, Chapter 13, or another approach may help you better manage IRS collection pressures. You can ask questions in plain language and expect answers in the same way.

What To Do When You Get a Notice

If you have received a Final Notice of Intent to Levy or learned that your paycheck or bank account is already being hit, you may feel frozen and unsure what to do. Acting quickly is important because some options are more effective before the IRS completes collection on specific funds. You do not have to sort this out alone.

IRS letters are often confusing and full of references to forms and code sections. The key is to recognize that these notices are time sensitive. Waiting can limit your choices and allow more money to be taken before you have a chance to respond. Reaching out for help early can make a real difference in how you move forward.

Here are practical steps you can take as soon as you receive an IRS levy notice:

• Gather recent IRS letters, including any Final Notice of Intent to Levy, and keep the envelopes if you have them.
• Collect recent pay stubs and bank statements so we can see how the levy affects your income and accounts.
• List other debts you are struggling with, such as credit cards, medical bills, mortgage arrears, or car loans.
• Avoid agreeing to any payment arrangement you do not understand or cannot realistically afford.
• Call The Law Office of Sarah Sypher LLC to schedule a confidential, free consultation so our IRS levy attorneys in Lawrence can review your situation and discuss options.

During your consultation, our IRS levy attorneys in Lawrence go over what the IRS is claiming, how far the collection process has gone, and how bankruptcy might interact with your tax debt and other obligations. We explain the role of the United States Bankruptcy Court for the District of Kansas, which handles many bankruptcy cases for residents of Lawrence, and we outline what filing would look like in practical terms.

Many people tell us they feel a sense of relief simply from understanding their choices. Whether you decide to file bankruptcy or not, our goal is to give you clear information so you can make decisions that fit your goals and responsibilities.

Why Kansas Residents Choose Our Firm

When you are facing an IRS levy and other serious debt problems, you need more than general advice. You need guidance from a firm that focuses on these issues every day. At The Law Office of Sarah Sypher LLC, our entire practice is dedicated to bankruptcy law for individuals in Kansas, including people who live or work in Lawrence.

For over 17 years, our IRS levy attorneys in Lawrence have helped clients understand and use Chapter 7 and Chapter 13 to deal with overwhelming debt. That experience includes working with people who are trying to prevent or respond to wage garnishments, foreclosures, and repossessions. Problems with the IRS often come alongside these other pressures, so we look at your situation as a whole instead of in isolation.

Our approach is client-centered and detailed. During your free consultation, we listen to your story, ask focused questions, and explain how the law applies to your specific facts. If you decide to move forward, we work with you to gather documents, prepare filings, and understand what to expect at each stage. Many clients have shared that they felt informed and supported rather than rushed or ignored.

People throughout Kansas turn to us because they want a bankruptcy law firm that keeps its attention on this area of the law, rather than dividing time among many different practice areas. Our IRS levy attorneys in Lawrence take confidentiality seriously, which is especially important when taxes and personal finances are involved. Our goal is to provide a space where you can speak honestly about your concerns and get candid feedback about your options.

If you are searching for an IRS levy lawyer Lawrence can rely on for straightforward guidance, we invite you to contact us. A short conversation can help you understand whether bankruptcy might help with your IRS issues and what that process would look like for you.

Frequently Asked Questions

Can bankruptcy stop an IRS levy on my paycheck?

Filing bankruptcy often triggers an automatic stay that usually pauses most collections, including many IRS wage levies. How long that pause lasts, and what happens to the underlying tax debt, depends on the type of tax and the chapter you file. We review your tax situation before recommending any filing.

Will I lose my house or car if I file in Kansas?

Many people keep their home and car in a Kansas bankruptcy, depending on equity, loan status, and exemptions. Our IRS levy attorneys in Lawrence review your property, loans, and goals so you understand what is protected and what risks exist. We aim to help you make informed choices about filing.

Can all my IRS tax debt be wiped out?

Not all IRS tax debts can be eliminated in bankruptcy. Some older income tax debts may qualify, while more recent or certain other types do not. The dates of filing and assessment are key. We examine your tax history and explain which portions might be dischargeable and which typically must be repaid.

How soon should I call if I got a levy notice?

It is usually best to call as soon as you receive a levy notice, since deadlines and collection steps move forward even if you feel overwhelmed. Early advice can give you more options. Our IRS levy attorneys in Lawrence offer confidential, free consultations so you can get guidance quickly without added financial strain.

How much does it cost to hire your firm?

Our IRS levy lawyers in Lawrence begin with a confidential, free consultation, so there is no charge to discuss your IRS levy and other debts. If you decide to file bankruptcy with our firm, we explain fees and payment arrangements clearly before any work begins. Our goal is to make costs understandable and manageable.

Talk With a Kansas Bankruptcy Attorney About Your IRS Levy

If an IRS levy is cutting into your paycheck or draining your bank account, you do not have to face it on your own. Speaking with an IRS levy attorney, Lawrence residents can call for local, bankruptcy-focused guidance, which is a practical step toward understanding their options and protecting whattheyu can.

At The Law Office of Sarah Sypher LLC, we focus our work on bankruptcy law for individuals in Kansas, and we have been doing so for more than 17 years. We take time to explain how Chapter 7 and Chapter 13 interact with IRS debts and other obligations, and we handle your situation with confidentiality and respect. Your first consultation is free, and there is no obligation to move forward.

If you are ready to talk about an IRS levy, your tax debt, and the rest of your financial picture, our IRS levy lawyers in Lawrence are here to listen and help you explore possible paths forward.

Get clear guidance on your real estate matter. Call (913) 372-3556 or reach out online to speak with a Tampa real estate attorney today.