Stop the garnishment. And stop the calls.
Whether the IRS has already started garnishing your paycheck, or you just got the notice and know it is coming, an in-house Enrolled Agent at Rockwater Tax can file to stop it. No contractors. No handoffs. No rushing you into a contract.
No pressure
No obligation
In-house Enrolled Agents
Serving all 50 states
Yes, wage garnishment can be stopped. Here's how fast.
The IRS is required to release a wage garnishment (Form 668-D) once we file the correct paperwork and establish a resolution path. In most cases, an in-house Enrolled Agent at Rockwater can begin the release process within one week of your first call.
No contractors. No case handoffs. No waiting weeks for someone to look at your file.
Book your free 30-minute call →Garnishment isn't the first step. But it's not the last, either.
The IRS is the one creditor that does not need a court order to take your money. If you owe the IRS, here is the collections process, and where you are on it right now.
How much can the IRS actually take from your paycheck?
Unlike private creditors, the IRS is not limited to 25 percent. Depending on your filing status and dependents, the IRS can leave you with as little as $500 to $1,200 per pay period and take the rest. For most workers, that is 60 to 85 percent of gross pay.
The one thing between you and Stage 5 is Stage 4. File for a Collection Due Process hearing during the 30-day window after the LT11 arrives, and enforcement stops. Miss that window, and Form 668-W can be issued to your employer in as few as 21 days.
You've already been called by everyone. We know.
Since the IRS put your name on the public collections list, your phone hasn't stopped. Emails from companies you have never heard of. Aggressive pitches. Big promises. Some said they can settle your debt "for pennies on the dollar." Some just keep calling.
Here is what nobody told you: only Enrolled Agents, CPAs, and tax attorneys are federally licensed to represent you in front of the IRS. Many national chains that reach out subcontract the actual case work after you sign. You never talk to the same person twice.
Rockwater is different. Two things separate us from every competitor:
In-House Enrolled Agents. Not Contractors.
Every Rockwater case is handled by a licensed Enrolled Agent who works here, sits at our office, and is on our team. Not outsourced. Not subcontracted. Your dedicated Account Executive stays with you from first call through resolution, and your in-house EA takes over the case work once you engage.
24/7 Live Case Monitoring via TaxRock.
Our proprietary IRS monitoring platform gives you the same real-time view of your case as your tax team. Status, IRS activity, alerts, documentation, all in one place, live. Built and owned by Rockwater.
A clear process. A dedicated team.
From your first 30-minute call to a finalized resolution, here is exactly what happens when you engage Rockwater.
Book a Free 30-Minute Call
Your first call is with a dedicated Account Executive who reviews your notices, income, and where you are in IRS collections. Free. No obligation.
We File Power of Attorney
Within 48 hours, we file Form 2848. The IRS is now required to contact us, not you. The harassment stops.
We File to Release the Garnishment
Your in-house Enrolled Agent contacts the IRS to request a Form 668-D release. Most garnishments can be released within one to two weeks once a resolution path is established.
We Negotiate Your Resolution
Depending on your finances, one of three resolution paths (see below). You get real-time updates through TaxRock, our IRS monitoring platform.
Your resolution options.
Not every case gets the same solution. Your in-house Enrolled Agent recommends the resolution path your finances actually support.
Installment Agreement
Monthly payments to the IRS over an agreed period. Rockwater negotiates the lowest defensible monthly payment based on your actual finances, not a formula.
Wage garnishment is typically released once an IA is accepted.
Currently Not Collectible
The IRS agrees to fully pause collection activity because paying would cause financial hardship. Penalties and interest still accrue, but wage garnishment stops.
CNC is reviewed periodically as your situation changes.
Offer in Compromise
Settlement for less than the full balance. Not everyone qualifies. Rockwater tells you honestly if you do, and never promises "pennies on the dollar."
Approval requires full financial documentation and IRS review.
What our clients say.
Real reviews from real Google Business Profile clients.
"Working with Rockwater was an amazing experience. I would recommend them to anyone that needs help. A shiny star in what is known as an aggressive & intimidating industry. Easy to work with and they understand people as well as they understand taxes."
Nicholas N. · Google Reviews
"Trustworthy. Excellent customer service. Highly recommend. James and his team are great to work with and have helped me with my tax case. Trustworthy is how I would describe Rockwater in one word."
Deanna C. · Google Reviews
"Working with Nick and Weston from the Rockwater team, they were able to solve a few tax issues I had across state lines for a very reasonable price. I look forward to utilizing their services again next year!"
Kevin S. · Google Reviews
Common questions.
Honest answers about IRS wage garnishment and how it gets resolved.
Speak with a tax expert today.
Free 30-minute consultation. No pressure. No obligation. Just an honest conversation about your situation with an in-house Enrolled Agent.
"Working with Rockwater was an amazing experience. A shiny star in what is known as an aggressive and intimidating industry. They understand people as well as they understand taxes."