Right now, the IRS can pull every dollar out of your checking account, and your bank has no legal choice but to hand it over.
If that has already happened, or a letter just warned you it’s coming, you have days to act, not weeks.
MD Sullivan Tax Group is a team of tax attorneys, CPAs, and former IRS agents with over 130 years of combined experience working inside the agency you’re now up against. We built our practice to help you get an IRS bank levy release fast, before your money is gone for good.
| Call (762) 800-1040 | Get Your Levy Released |
IRS Froze Your Bank Account. Here’s What Happens Next.
- The moment your bank receives an IRS levy notice, it locks the funds in your account, up to the full amount you owe.
- Federal law (IRC §6332(c)) gives you a 21-day bank levy hold before your bank is required to send that money to the IRS.
- That window is the entire game.
- An IRS bank levy release filed on day 3 has options a release filed on day 19 simply doesn’t.
If your first reaction was, “IRS froze my bank account, and I don’t even know why,” you’re not alone; talk to us now and let us help you stop a bank levy.
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Releasing an IRS Bank Levy: Four Real Paths
There’s no single form that guarantees an IRS bank levy release. The IRS will only let go of your account through one of four doors:
- Paying the balance in full
- Setting up an IRS-approved payment arrangement
- Proving the levy would cause you economic hardship
- Showing the levy was issued in error
Learning how to release an IRS bank levy starts with figuring out which of these four actually applies to your case. Then it’s about building the paperwork the IRS accepts the first time.
Some cases need more than a form. We also handle situations where a client needs to remove an IRS levy on bank account holds tied to years of unfiled returns; you can’t get hardship status or a payment plan approved until every required return is filed.
If you’re trying to stop IRS bank levy action before it’s issued at all, the moment to call us is the day you receive a Final Notice of Intent to Levy (Letter 1058 or LT11).
Heading: One Call Can Change What Happens on Day 21Body: A frozen account doesn’t have to end in a drained one. Tell us what notice you received and when, and we’ll tell you which release option fits your situation before you hang up. CTA: File Your Case Today |
What Happens After You Come to Us for IRS Bank Levy Release
Here’s what actually happens in your case, in order.
Step 1: We Read Your Transcripts, Not Just Your Letter
We pull your official IRS account transcripts the same day you call, so we know exactly what notices were sent, when, and where, before we make a single decision on strategy.
Step 2: We Build Your Case for Speed
We prepare your Form 433-F levy release financial statement with the numbers structured the way IRS collections staff actually evaluate them, cutting down the back-and-forth that stalls slower filings.
Step 3: We Contact the IRS Directly, So You Don’t Have To
With a signed power of attorney (Form 2848), we deal with the IRS collections division on practitioner lines you don’t have access to, and you never have to say a word to an agent yourself.
Step 4: We File for the Fastest Applicable Release
Whether that’s hardship status, a payment plan, or an error correction, we know how to release an IRS bank levy the fastest way your specific facts allow, and push for it before your 21-day window closes. This is the point in the process where an IRS bank levy release either gets approved or gets stuck in a queue, so we stay on the phone with collections until you have an answer.
Step 5: We Confirm the Release in Writing
We don’t consider a case finished until we have the IRS’s written confirmation that the levy is released, and we walk you through what to expect on your account going forward.
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This is Why Families Choose MD Sullivan Tax Group
When you choose us, you’re teaming up with a full bench of tax attorneys, CPAs, and former IRS agents who have already sat on the other side of the desk you’re worried about.
- 130+ years of combined direct IRS experience across our attorneys, CPAs, and enrolled agents, working federal and state tax problems nationwide
- Team members who worked as IRS Revenue Officers and Offer in Compromise Specialists, so they know exactly how collections staff evaluate a case before you ever submit one
- Our firm has been built to remove IRS levy on bank account holds and resolve back tax debt since 1983, long before “tax resolution” was an industry
- Media-recognized expertise, with our founder’s tax commentary featured on Fox Business, ABC, and NBC
Our founder, Michael Sullivan, built this firm because the fastest way to beat an IRS process is to have people on your side who used to run it.
Talk To A Former IRS Agent
What Our Clients Say
We could tell you how our clients felt when their accounts were released. We’d rather let them.
Your 21-Day Window Is Already Running
Every hour you wait is an hour closer to day 21. You don’t need to understand tax law to get through this; you need people who already do, and who have spent years working the exact process now working against you.
MD Sullivan Tax Group has built its entire practice to help you with an IRS bank levy release that happens while there’s still time for it to matter.
Talk to a former IRS agent today, free, and find out exactly which release option fits your case before your window closes.
| Call (762) 800-1040 | Book Your Free Consultation |
FAQs
Your bank must hold the frozen money for 21 days before sending it to the IRS. That 21-day hold, set by federal law (IRC §6332(c)), is your window to get the levy released, prove hardship, or show an error. Once the bank sends the funds, getting them back is much harder, so act in the first few days.
The IRS releases a bank levy when you pay the balance, set up an approved payment plan, prove the levy causes economic hardship, or show it was issued by mistake. In most cases you must also file any missing tax returns and give the IRS a current financial statement, usually Form 433-F.
No. A bank levy is a one-time grab. It takes only what is in the account on the day the bank receives the levy, up to the amount you owe. Deposits made afterward are not covered. But if the debt stays unresolved, the IRS can send a new levy at any time.
Usually not. Before most levies the IRS must mail a Final Notice of Intent to Levy (LT11 or Letter 1058) and give you 30 days to respond. Many people never see it because it went to an old address. Check your IRS online account or transcripts to confirm what was sent and when.
Sometimes. If the levy was wrongful, issued too early, or you qualified for a release before the funds were sent, the IRS can return the money. Once it has been applied to your balance, refunds are limited. That is why the 21-day hold is the best time to act.
Form 433-F is the IRS Collection Information Statement. It lists your income, monthly expenses, assets and debts. The IRS uses it to decide what you can afford to pay and whether you qualify for a payment plan or hardship status, either of which can lead to the levy being released.
You can, but IRS phone lines are badly backed up and what you say can be used to set your payment terms. A representative with a signed power of attorney (Form 2848) can call practitioner lines, negotiate the release, and keep you from agreeing to a payment you cannot keep up.
