If you owe more than $10,000 to the IRS and live in Baltimore or surrounding areas, you could be at risk of a bank levy. In this guide, we explain how to stop an IRS bank levy before it happens — and what steps you can take right now.
At Tax Defense Experts, we help Baltimore-area residents protect their paychecks, homes, and peace of mind. Here’s what you need to know — and do — before the IRS takes money directly from your account.
What Is an IRS Bank Levy?
An IRS bank levy lets the government legally take money straight from your bank account to cover unpaid taxes. You’ll typically receive a Final Notice of Intent to Levy, but if you ignore it, the IRS can clean out your checking or savings account without any further warning.
It happens to hardworking people in Baltimore, Owings Mills, Columbia, Dundalk, and beyond. You log in to check your balance, and suddenly, it’s gone.
Why $10,000 Is a Red Flag for the IRS
If you owe over $10,000, your case is likely flagged for enforced collections. This means the IRS is preparing to take aggressive action. This debt level puts you on the radar, especially in Maryland, where IRS enforcement is active.
At this stage, the IRS can:
- File a Federal Tax Lien against your home or business
- Garnish your wages
- Levy your Baltimore-area bank account
- Seize property or business assets
- Refer your case to a private debt collection agency
3 How to Stop an IRS Bank Levy in Baltimore — Step by Step
1. Don’t Ignore IRS Letters
If you’ve received IRS mail at your Baltimore home or business address, open it — even if you’re afraid. Every letter is a signal, and responding early gives you the best shot at avoiding a levy.
2. Know Your Rights as a Maryland Taxpayer
You have the right to appeal IRS actions, request payment plans, and negotiate settlements. The key is acting before enforcement begins.
3. Call a Local Tax Resolution Expert
Trying to negotiate with the IRS yourself is risky. At Tax Defense Experts, we represent individuals and business owners in Baltimore. We know how local IRS offices operate and how to stop levies fast.
Baltimore’s Trusted Tax Resolution Partner
Whether you live in Pikesville, Catonsville, Towson, or Baltimore City, we can help you:
- Stop IRS wage garnishments and levies
- Set up affordable IRS payment plans
- Apply for “Currently Not Collectible” status if you can’t pay
- Submit an Offer in Compromise to settle for less
- Remove penalties and lower your total balance
Conclusion: The IRS won’t wait — but you don’t have to face them alone. Call Tax Defense Experts in Baltimore today for a free 45-minute consultation. Let’s discuss your options and protect what you’ve worked hard to earn.