Bank & Business Levy Release
Unfreeze Your Accounts Before It's Too Late
When the IRS levies your bank account, the bank freezes your funds for 21 days. After that, the money goes to the IRS—permanently. We specialize in emergency bank levy releases, working within the 21-day window to get your money back.
AI Summary
An IRS Bank Levy is the legal seizure of funds in a bank account using Form 668-A. Once issued, the bank must hold the funds for 21 days before sending them to the IRS. A release must be secured within this window — through financial hardship proof, an Installment Agreement, or an Offer in Compromise — to recover the money.
Bank Account Frozen?
You have 21 days before the IRS takes your money
Real Results: Emergency Release
"Small business had operating account frozen with $67K—couldn't make payroll. We filed Form 2848 same day, contacted IRS collections within 24 hours, demonstrated economic hardship, and secured full release on day 11. Funds returned, payroll made."
*Illustrative scenario. Release timing depends on IRS response and case complexity.
The 21-Day Window
Best Chance
Maximum time for negotiation. Contact us immediately.
Urgent
Still possible but requires fast action.
Critical
Emergency only. After day 21, money goes to IRS.
How We Release Your Levy
Hardship Release
Most common approach. We demonstrate that the levy causes economic hardship—you can't pay basic living expenses or meet business payroll.
Installment Agreement
We negotiate a payment plan. Once approved, the IRS must release the levy and return frozen funds (usually within 30 days of agreement).
Full Payment
If you can pay the full liability (or enough to satisfy the debt), the levy is released and remaining funds returned.
Collection Statute Expiration
If the 10-year collection period has expired on the tax debt, the levy is invalid and must be released.
How an IRS Bank Levy Works
IRS Issues Final Notice of Intent to Levy
Before levying, the IRS must send Letter 1058 or LT11 — a Final Notice of Intent to Levy with CDP rights. You have 30 days to respond before levy action can begin.
IRS Sends Levy Notice to Your Bank
After the 30-day period expires without response, the IRS faxes or mails a levy notice directly to your bank. Your bank is legally required to comply.
Bank Freezes Your Account
Your bank immediately freezes funds up to the levy amount. You cannot access the frozen funds, write checks against them, or transfer them.
21-Day Mandatory Hold Period
Under IRC § 6332(c), your bank must hold the funds for 21 days before remitting to the IRS. This is your window to act — contact us immediately.
Funds Remitted to IRS
If no release is obtained, the bank sends the frozen funds to the IRS on day 22. Only the funds present on the day the levy was served are taken — but the IRS can issue repeat levies.
Emergency Situations That Qualify for Immediate Release
Required Documentation for Hardship Release
To request an emergency levy release based on economic hardship, we document your financial situation against IRS Collection Financial Standards. The following records are typically required:
IRS Authority & References
Related Resolution Services
Resolution Hub Connections
Other Resolution Options
Related Emergency Relief
Appeals & Monitoring
Triggered by These IRS Notices
Every Day Counts
After 21 days, your money is gone. Don't wait—call us now to start the release process.
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