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Explaining CP91: Notice of Levy of Social Security Benefits

Posted by Juda Gabaie | Jan 08, 2024 | 0 Comments

If you have unpaid taxes, the IRS can be persistent in its efforts to collect them from you. Even if you're living on a fixed income, the IRS can attempt to levy or legally seize your assets to satisfy this debt. If you receive a CP91 notice in the mail, you should read the letter carefully and then call an experienced tax attorney to take immediate action.

What is CP91, & How Does it Affect Me?

CP91 notice is a letter from the IRS that is the final notice before they begin levying up to 15% of your social security benefits within 30 days of the notice. The IRS sends it if you have unpaid taxes, fines, or penalties. The IRS can levy your salary, social security benefits, bank accounts, and other assets if you have unpaid balances, sometimes taking up to 90% of your funds. That's why you should never ignore any levy notice from the IRS.

What Should I Do If I Receive a CP91 Notice from the IRS?

You have several options if you receive a CP91 or other levy notice from the IRS. You can:

1.     Request a payment plan. Your debt will continue to accrue interest, but you may be able to pay off the amount you owe in more manageable payments.

2.     Pay what the IRS says you owe. If you agree that you owe the IRS, you can always agree to pay the amount in full.

3.     Submit an offer in compromise. You can ask the IRS to accept less than you owe. They may accept an offer in compromise if paying would create an undue hardship for you, there's some doubt as to the amount you owe or your liability, or the IRS believes it won't be able to collect the full amount.

4.     Appeal. Your CP91 notice should advise you of your appeal rights, but typically, you will have 30 days to appeal.

Where Can I Turn for Help?

It can be frightening and overwhelming if you're facing the collections process from the IRS, especially if you're facing the possibility of a levy on your social security benefits. 

Facing the collections process from the IRS can be confusing and overwhelming. But the experienced tax attorneys at Gabaie & Associates, LLC. can help. We've been helping clients nationwide with IRS tax disputes for years. Find out how we can help you now and help you avoid tax problems in the future. Call us at 410-358-1500 or contact us online for a free consultation. 

About the Author

Juda Gabaie

Juda Gabaie Esq. has dedicated his career in defending clients nationwide to resolve tax disputes before the Internal Revenue Service and the state taxing agencies. Juda has represented clients before the US Tax Court, Maryland Tax Court, and Comptroller of MD hearing compliance. As an adjunct prof...


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