Bank Levy Help - Stop IRS Bank Freeze Now

When the IRS levies your bank account, your funds are frozen for 21 days before being sent to the IRS. You can stop this if you act quickly.

Request a hold, payment plan, or CDP hearing to release the levy and access your funds.

The 21-Day Bank Levy Process

Day 1: Freeze occurs: IRS serves your bank with levy order. Your entire account is immediately frozen
Days 1-21: Hold period: Your funds are held while you have opportunity to request release or make payment
Day 21: Transfer begins: If no action taken, IRS begins transferring funds to themselves to pay your debt
After Day 21: Funds lost: Once transferred, recovering those funds becomes extremely difficult

You can stop a bank levy by:

Requesting a hold: IRS can pause collection if you show financial hardship or good cause
Paying the debt: If you can pay the full amount owed, the levy releases immediately
Payment plan: Most effective. Offering to pay over time often results in immediate levy release
CDP hearing: Request a Collection Due Process hearing to challenge the levy
Currently Not Collectible: Request CNC status if experiencing severe financial hardship

A payment plan is your fastest path to release. The IRS will typically lift the levy within 24 hours of approving a plan.

1
Contact IRS or Tax Professional Today
You have 21 days. Every hour counts. Call immediately to request a hold or payment plan.
2
Request Hold Based on Hardship
Explain that the levy is causing severe hardship (no ability to pay rent, utilities, food).
3
Propose a Payment Plan
Offer to pay what you can monthly. Even $100-200/month agreements are typically approved.
4
Get Written Confirmation
Ensure all agreements are in writing and confirm the levy is released before Day 21.

Our tax professionals can contact the IRS today and request a hold on collections while we review your situation.

No obligation. We will review your case and contact you.

IRS Notices

Relief Options

Levies & Garnishment

Resources