Stop IRS Bank Levies & Wage Garnishments

Waking up to a frozen bank account or a garnished paycheck is terrifying, but it isn’t permanent. We act immediately to negotiate the release of IRS levies and help you regain control of your finances.

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Personalized, Stress-Free Tax Services from a Trusted Local Firm

At Molen & Associates, we don’t just prepare your taxes—we prepare you for what’s next. With over 45 years of experience serving individuals and businesses in Houston, we know the ins and outs of the tax code and how to put it to work for you. Whether you’re a small business owner, self-employed, or a busy individual, our tax preparation services are built to save you time, reduce your tax bill, and give you confidence at every step.

We believe tax prep shouldn’t feel like pulling teeth or come with a surprise invoice. Instead, you’ll get clear, proactive guidance and a dedicated team that treats you like family. That’s the Molen way.

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I owe to the IRS, what do I do now?

How We Can Help You

An IRS levy is a severe collection action used to seize your bank accounts, wages, and personal property to satisfy tax debt. Molen & Associates intervenes to stop these devastating actions, negotiating directly with the IRS to release levies and protect your livelihood. We replace aggressive seizures with affordable, manageable payment plans to secure your financial future.

Levy Release: Stopping bank seizures to restore access to your funds.

Garnishment Relief: Ending wage garnishments so you keep your full paycheck.

Asset Shielding: Protecting homes and personal property from being auctioned.

Affordable Payments: Establishing monthly terms that fit your actual budget.

What You Can Expect

Immediate Communication

We step in as your authorized representative, handling all aggressive calls and letters. We communicate directly with the IRS collections division to establish a hold on the levy while we prepare the necessary financial documents to solve the problem.

Proving Financial Hardship

We gather the evidence needed to show the IRS that the levy is causing financial distress. By accurately presenting your income and allowable expenses, we build a compelling case to have the levy released or significantly reduced.

Compliance Without Compromise

We stay current on the ever-changing tax code and make sure you stay compliant—whether you’re filing in one state or five. We even help you prepare for IRS audits or letters if they arise. 

Partnership Tax Preparation in Houston, TX
Tax & Accounting for Logistics Businesses

Who We Serve

  • Self-Employed & Side Hustlers
    Realtors, law enforcement, rideshare drivers, and anyone with 1099 income—this is our specialty. We’ll help you track expenses, reduce taxes, and stay compliant.

  • Small Business Owners
    From LLCs to S Corps, we’ve filed thousands of business returns. We know the difference between a missed deduction and a strategic tax plan—and we’re here to make sure you get the latter.

  • W-2 Employees with Complex Returns
    Have investment income, rental properties, or stock options? We’ll guide you through what applies and ensure it’s all reported accurately.

What Makes Molen & Associates Different?

We Treat You Like Family

You’re not a file number—you’re a person with goals, responsibilities, and a life you care about. We take the time to understand your story and tailor our advice accordingly.

We Educate, Not Just Calculate

We explain why we’re doing what we’re doing. Expect clear, plain-English explanations—not tax code gibberish.

Year-Round Support

Tax questions don’t start and end in April. You’ll have access to our team all year long, with no extra charge for emails or quick calls.

Proven Track Record

With over 10,000 tax returns filed and a 98% client satisfaction rating, we’ve helped save Houston taxpayers over thousands. Our Google reviews say it all—clients trust us with their returns year after year.

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See What Our Clients Say

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Frequently Asked Questions

Get clear answers to common questions about our tax preparation services.

What exactly is an IRS levy, and how is it different from a tax lien?

A tax lien is a legal claim the government makes against your property to secure a debt, but a levy is the actual act of taking the property. When the IRS “levies,” they are seizing your assets to pay off what you owe. This most commonly happens through bank account seizures or wage garnishments. While a lien “locks” your credit and title, a levy physically removes the money or property from your possession.

Can the IRS really take my entire paycheck through a wage garnishment?
The IRS can take a significant portion of your earnings, but they are legally required to leave you a small “exempt” amount to cover basic living expenses. Unfortunately, this exempt amount is often very low and usually isn’t enough for a family to live on comfortably. At Molen & Associates, we work to negotiate a release of the garnishment and replace it with a resolution plan that fits your actual monthly budget.
The IRS froze my bank account. Is that money gone forever?
Not necessarily, but you must act quickly. When the IRS issues a bank levy, the bank is required to freeze the funds for exactly 21 days before sending the money to the IRS. This 21-day window is your “golden opportunity” to have a professional intervene. If we can demonstrate financial hardship or set up a payment agreement within that timeframe, we can often get the levy released and keep the money in your account.

Will the IRS notify me before they levy my assets?
Yes. By law, the IRS must send you a “Final Notice of Intent to Levy and Notice of Your Right to a Hearing” (often Letter 11 or Letter 1058) at least 30 days before the seizure begins. If you have received this notice, the clock is ticking. This 30-day window allows us to file for a Collection Due Process (CDP) hearing, which legally stops the levy from proceeding while we negotiate your case.
Can a levy be released if I can't afford to pay my rent or buy groceries?
Yes. This is known as “Economic Hardship.” If we can prove to the IRS that the levy is preventing you from meeting your basic necessary living expenses, the IRS is required to release it. Our team is highly experienced in preparing the financial statements and documentation needed to prove hardship to the IRS, providing immediate relief for families in crisis.
Can the IRS levy my Social Security benefits or retirement accounts?
The IRS does have the power to levy Social Security benefits (usually up to 15%) and retirement accounts like 401(k)s or IRAs. However, seizing retirement accounts is generally considered an aggressive move and is usually reserved for taxpayers who are flagged as “flagrant” or uncooperative. We specialize in stepping between you and the IRS to protect these long-term assets, ensuring your future isn’t sacrificed for a past tax debt.
How do I get an IRS levy released permanently?

To get a levy released, you generally must show that the debt is paid in full, the statute of limitations has expired, the levy was issued in error, or—most commonly—that you have entered into an acceptable resolution. This could be an Installment Agreement, an Offer in Compromise, or being placed in “Currently Not Collectible” status. We handle the negotiations to find the path that best protects your income and your family.

Why should I trust Molen & Associates to handle an active IRS levy?
With over 40 years of experience, we have seen the devastating impact a levy can have on a family or a small business. We don’t just treat this as a legal procedure; we treat it as an emergency. Because we are an education-focused firm, we make sure you understand exactly why the levy happened and how to restructure your tax life so that it never happens again. We act as your authorized advocate, meaning you don’t have to talk to the IRS agents—we do it for you.

45+

Years of Experience

10,000+

Returns Prepared

98%

Client Satisfaction

1000s

Happy Clients

Why Choose Molen & Associates?

Professional tax preparation that delivers real results for Houston residents and businesses.

Maximize Deductions

We identify every eligible deduction to ensure you pay the lowest amount legally possible.

Save Time

Let our experts handle the complexity while you focus on what matters most.

Audit Protection

Rest easy knowing your return is prepared accurately. We can even help with full audit support.

Personalized Service

Work directly with experienced Advisors who understand your unique situation.

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Year-Round Support

Access to tax professionals whenever you need guidance, not just during tax season.

Proven Expertise

Decades of experience serving Houston residents and businesses. We’re just a phone call away!

Request an Appointment Today

Fill out the form and our team will contact you as soon as possible.

Ready to File with Confidence?

Tax season doesn’t have to be stressful. Whether you’re filing for the first time, managing a complex return, or just tired of doing it alone—our team is ready to help.

Let Molen & Associates take tax prep off your plate—so you can focus on what matters most.

c corporation tax preparation

Save Your Time

Save Your Dime

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