Adzɔxexe ŋuti agbalẽdzikpɔkpɔ ŋuti nyatakakawo, adzɔ siwo woxena ɖe megbe, kple fetu si woxɔna taʋiʋli¶

Wò posuɖaka ʋuʋu be nàkpɔ adzɔxexe ŋuti agbalẽdzikpɔkpɔ kpata, nyatakaka mamlɛtɔ si ku ɖe tameɖoɖo be yeaxɔ ga le asiwò ŋu, alo be nàkpɔe be wotu wò gadzraɖoƒe ƒe gakɔnta alo dukɔa alo dukɔa ƒe gadzɔdzɔdɔwɔƒe aɖe ɖo atsyɔ̃ na wò fetu nye gakuxi sesẽ aɖe. To vovo na gaxɔgbalẽvi dɔwɔƒe siwo menye ame ŋutɔ tɔ o alo nudzɔlawo la, dziɖuɖua ƒe adzɔxehawo (abe Internal Revenue Service le United States, HM Revenue and Customs le United Kingdom, Canada Revenue Agency, alo Australia Taxation Office) si le se nu be woaxɔ ga si woda ɖe gadzraɖoƒe, atsɔ fetu aɖo atsyɔ̃ na wo, ahatsɔ aƒewo kple anyigbawo ade asi na wo evɔ womatsɔ nya ɖe ŋuwò le dukɔmeviwo ƒe ʋɔnudrɔ̃ƒe gbã o.

Gake se sesẽ siwo le se nu be woana nyanya amewo, nyagbugbɔgadrɔ̃ ƒe fesre siwo wòle be woawɔ, kple se ƒe kuxiwo takpɔnu la bla dziɖuɖua ƒe adzɔxelawo. Mɔfiame sia kplɔa wò toa alesi nàwɔ akpɔe ɖa be adzɔxexe ƒe didi aɖe nye nyateƒe hã, abu wò se ƒe ɣeyiɣi mamlɛtɔ si tututu nàtsɔ atɔ te gaxɔgbalẽviwo xɔxɔ ƒe afɔɖeɖe, aɖe asi le gadzraɖoƒe ƒe adzɔxexe alo fetu si woxɔna le ame si si le dɔ dzi ŋu, atsɔ nya ɖe agbalẽdzikpɔkpɔ ƒe akɔntabubu ŋu, eye nàɖo gadodo ƒe nubabla si dziɖuɖua da asi ɖo alo gakuxiwo ƒe mɔxexeɖedɔa nu evɔ màxe dɔlar akpe geɖe na asitsahabɔbɔ siwo nye "adzɔxexe ƒe kpekpeɖeŋunana" siwo ɖua ame dzi o.

Wɔ esia fifia¶

1. Mègaŋe aɖaba ƒu agbalẽkotokua dzi o, eye nàŋlɔ gbeƒãɖeɖe ƒe xexlẽdzesi kple ŋuɖoɖo ƒe ɣeyiɣi mamlɛtɔ si wota ɖe dzogoe si le etame la ɖi: Adzɔxexe ƒe gomenɔamesi siwo le se nu nɔ te ɖe ŋkeke si dzi wota ɖe gbeƒãɖeɖea dzi dzi bliboe (menye ŋkeke si dzi nèʋui o), vevietɔ ŋkeke 30 ƒe fesre sesẽ si dzi nàto abia be woawɔ nyadɔdrɔ̃ le Nuƒoƒoƒu ƒe Ðoɖowɔɖi (CDP) ŋu le Nyatakaka Mamlɛtɔ si woatsɔ axe fe ɖe eta megbe alo ŋkeke 90 ƒe fesre si woatsɔ atsi tre ɖe a se ƒe Nyatakaka si ku ɖe Nusiwo Gbɔdzɔ Ŋu.
2. Kpɔe ɖa be gbeƒãɖeɖea nye dziɖuɖua ƒe posu si dziɖuɖua ɖo ɖa eye menye telefon, nyatakaka, alo e-mail ƒe ametafatafa o: Adzɔxeha siwo le se nu dzea agbalẽdzikpɔkpɔ kple sedziwɔwɔ ƒe afɔɖeɖewo gɔme to posu ŋutɔŋutɔ (alo wò dziɖuɖua ƒe adzɔxexe ƒe nyatakakadzraɖoƒe si ŋu woɖo kpee le Internet dzi) dzi ko, gbeɖe to ŋɔdzidodo na ame be woalé ye to telefon dzi, abia be woaxe fe to nunana gbalẽviwo, cryptocurrency, alo kaƒoƒo, alo nyatakakawo ɖoɖo ɖe amewo to asitelefon dzi kadodowo dzi gbeɖe o.
3. Ne ɖeko woxɔ ga le wò gadzraɖoƒe ƒe gaxɔgbalẽvi dzi egbea ko la, ƒo ka na gaxɔdɔwɔƒea ƒe gaxɔgbalẽvi ƒe xexlẽdzesi si le gbeƒãɖeɖea dzi enumake nàbia be woaɖe asi le wò ga si nèxɔ le nɔnɔme sesẽwo me ŋu: Le United States la, Gakpɔkpɔ le Dukɔa Me ƒe Se ƒe Akpa 6332© de se be nàxɔ ɣletigbalẽ dzi ŋkeke 21 ƒe gaxɔgbalẽvi sesẽ aɖe tso esime gadzraɖoƒe aɖe xɔ IRS ƒe agbalẽvi 668-A hafi gadzraɖoƒea ɖo wò ga ɖe dziɖuɖua ŋutɔŋutɔ, tsɔe na wò kwasiɖa etɔ̃ ƒe fesre kpata be nàɖo kpe ganyawo ƒe sesẽ dzi alo nàwɔ ɖoɖo ɖe fexexe ŋu eye nàna woaɖe asi le adzɔ si woxɔna ŋu.
4. Tsɔ adzɔxexe ƒe agbalẽvi siwo katã womexe o la de enumake, ne màte ŋu axe adzɔ si nènyi la ƒe dɔlar ɖeka pɛ hã o: Gadzɔdzɔdɔwɔƒewo gbe le se nu be yewomaɖe mɔ na nubabla siwo wowɔ le ɣeyiɣi aɖe me, nɔnɔme sesẽwo ƒe nɔnɔme (Fifia Womate Ŋu Axɔ O), alo Nusiwo Wona le Nugblẽfexexe me o vaseɖe esime nèle "adzɔxexe ƒe agbalẽwo tsɔtsɔ yi ʋɔnui me," eye zi geɖe la, tohehe si woxɔna ne mètsɔe o la lolona zi gbɔ zi ewo ɣleti sia ɣleti wu tohehe si woatsɔ axe fe ɖe eta.
5. Ƒo ɣleti 3 ƒe aƒeme fetu kple agbenɔnɔ ŋuti gazazã ŋuti nyatakaka blibo nu ƒu: Hafi nàƒo ka na adzɔxexe ƒe amegã la, ƒo wò ɣleti etɔ̃ mamlɛawo ƒe fetu ŋuti nuŋlɔɖiwo, gadzraɖoƒe ŋuti nyatakakawo, aƒexɔfetu alo aƒe ƒe fetu ƒe gaxɔgbalẽviwo, nuzazãwo ƒe fewo, atikewɔwɔ ƒe gazazã siwo nèdo tso kotoku me, kple fe siwo ʋɔnudrɔ̃ƒea de se na la nu ƒu ale be nàte ŋu akpe Nudzɔdzɔ Ŋuti Nyatakaka si dziɖuɖua da asi ɖo (abe IRS Form 433-A alo... 433-F) dzi.
6. Te ɖe Adzɔxela Ðokuisi Taʋlila alo Dzɔla si le se nu ŋu ne sedziwɔwɔ do ŋɔdzi na wò aƒe, nuzazãwo, alo atikewɔwɔ: Ne adzɔxexe aɖe xe mɔ na wò be màte ŋu aƒle nuɖuɖu, axe aƒexɔfe, alo ana akaɖiawo nanɔ bibim o, eye nudzɔla siwo wozãna ɖaa gbe be yewomaɖe asi le eŋu o la, tsɔ kpekpeɖeŋubiabia kpata yi na adzɔxelawo ƒe dzɔlawo ƒe habɔbɔ si le se nu (abe Adzɔxelawo ƒe Taʋlila si zãnɛ ene IRS ƒe Agbalẽvi 911 le United States, Ʋɔnudrɔ̃ƒe si le United Kingdom, alo Adzɔxelawo ƒe Nyagbɔkpɔha ƒe Dɔwɔƒe le Canada).

Nyametsotso ƒe ɖoɖowɔɖi: ŋuɖoɖo na adzɔxexe ŋuti nyatakakawo, agbalẽdzikpɔkpɔ, kple adzɔxexe¶

flowchart TD
    Start["Woxɔ Adzɔxexe Ŋuti Nyatakaka Kpata alo Akɔntabubu si Woke Ðe Edzi"] --> Verify{"Aleke Adzɔxexe ƒe Nudidia Va Va?"}
    Verify -->|"Telefon Kaƒoƒo, Text, WhatsApp, alo Email Dodo ŋɔdzi na Ameléle"| Scam["Nuvlowɔlawo ƒe Ameɖokuiwɔwɔ ƒe Ametafatafa: Tsɔ kaƒomɔ̃a Da eye nàgblɔe na Dziɖuɖumegãwo"]
    Verify -->|"Dziɖuɖua ƒe Pepa dzi Posu Ŋuti Nyatakaka alo Dziɖuɖu ƒe Nyatakakadzraɖoƒe si Ŋu Woɖo Kpe Ðe Edzi"| Type{"Nyatakaka alo Nuwɔna Ƒomevi Kae Wònye?"}
    Type -->|"Dɔdzikpɔkpɔ / Dodokpɔ alo Gakpɔkpɔ si Womegblɔ O ƒe Nyatakaka"| AuditFlow["Kpɔ Ŋkeke 30 alo Ŋkeke 90 ƒe Ŋuɖoɖo Ŋkeke"]
    AuditFlow --> GatherDocs["Ƒo Gaxɔgbalẽviwo, Cheque Siwo Wote Ðe Eme, Kple Fli ƒe Kpeɖodzi Siwo Ŋu Woʋli Ho Ðo la Nu ƒu"]
    GatherDocs --> RespondAudit["Ðo Nya Siwo Gblẽa Nyawo Gbɔ To Posu Si Ŋu Ðaseɖigbalẽ Le Dzi alo Mitsɔ Adzɔxexe Ŋuti Ʋɔnudrɔ̃ƒe ƒe Nyabiase De"]
    Type -->|"Nyatakaka Mamlɛtɔ si Ku Ðe Tameɖoɖo Be Woaxɔ Adzɔ Ŋu (Hafi Woadze Adzɔxexe Gɔme) ."| PreLevy["Ŋkeke 30 ƒe Se ƒe Fesre si Woatsɔ Adzudzɔ Nuƒoƒoƒu"]
    PreLevy --> FileCDP["Fia Biabia be Woaxɔ Nuwo Xɔxɔ ƒe Nyadɔdrɔ̃ le Mɔ Nyuitɔ Nu (e.g., IRS Form 12153) alo Fexexe ƒe Ðoɖo"]
    FileCDP --> Hold["Statutory Collection Hold Activated Esi Wole Nyagbugbɔgadrɔ̃ alo Ðoɖowɔɖia Dɔ wɔm"]
    Type -->|"Active Bank Account Freeze alo Fetu Xɔxɔ"| ActiveSeizure["Nusesẽ Kpatawo ƒe Asiɖeɖe le Ame Ŋu ƒe Ðoɖowɔɖi"]
    ActiveSeizure --> BankWindow["Gadzraɖoƒe ƒe Adzɔxexe: Wɔ Nu Le Ŋkeke 21 ƒe Escrow Léle Ɣeyiɣi Me Hafi Woatsɔ Gawo Aɖo Ðe Ame Ŋu"]
    ActiveSeizure --> WageMod["Fetu Xɔxɔ: Mitsɔ Ganyawo Ŋuti Nyatakaka (Agbalẽvi 433-F/433-A) ɖo ɖa be woatsɔ aɖo kpe Agbenɔnɔ ƒe Sesẽ Veviwo dzi"]
    BankWindow --> Advocate["Ne Dɔwɔƒea Gbe Asiɖeɖe le Ame Ŋu Le Nɔnɔme Sesẽɣiwo La, De Adzɔxela Kpata ƒe Nyabiase (Agbalẽvi 911) ."]
    WageMod --> Advocate

Afɔɖeɖe 1: Ðe wò gbeƒãɖeɖea gɔme eye nàde dzesi ɣeyiɣi mamlɛ si nèɖo le se nu¶

Adzɔxehawo metsona tẽ tso adzɔ si womexe o dzi yia wò gadzraɖoƒegbalẽvi xɔxɔ alo wò fetu dzadzraɖo dzi o. Ke boŋ kɔmpiutadziɖoɖo siwo wowɔna le wo ɖokui si ɖoa lɛta siwo le se nu ɖe ​​wo nɔewo yome vivivi le ɣleti geɖe me. Ne ènya afisi wò lɛtaa dze le ɖoɖo ma nu la, ana nànya ɣeyiɣi agbɔsɔsɔme si susɔ na wò hafi woadze nuƒoƒoƒu dzizizitɔe gɔme.

United States (IRS) de dzesi ŋgɔyiyi kple se ƒe ɣeyiɣi mamlɛawo¶

Dukɔwo dome nya siwo sɔ kple wo nɔewo: United Kingdom, Canada, Australia, kple Europa Dukɔwo ƒe Ðekawɔha¶

• Le United Kingdom (HM Gakpɔkpɔ kple Dukɔmeviwo ƒe Dɔwɔƒe / HMRC):
  • Sedziwɔwɔ Ŋuti Nyatakaka: HMRC ƒe ɣeyiɣi si wozãna le se nu na adzɔxexe ŋuti numekuku alo agbalẽdzikpɔkpɔ le Ganyawo ƒe Se 2008 ƒe Ðoɖowɔɖi 36. Zi geɖe la, ŋkeke 30 nɔa asiwò be nàtsɔ nuŋlɔɖi siwo wobia alo atsɔ nya ɖe nyatakaka ŋuti nyatakaka aɖe ŋu na Ʋɔnudrɔ̃ƒe Gbãtɔ (Adzɔxexe ƒe Dɔwɔƒe).
  • Ɣeyiɣi si Woaxe (TTP) ƒe Ðoɖo: Hafi HMRC nadze sedziwɔwɔ gɔme to Taking Control of Goods (sedziwɔlawo / bailiffs), County Court ƒe ʋɔnudɔdrɔ̃wo, alo Direct Recovery of Debts (DRD, si ɖea mɔ na HMRC be wòaɖe ga le UK gadzraɖoƒe ƒe gakɔnta siwo me fe si wu 1,000 GBP le esi wògblẽ GBP 5,000 ya teti ɖi vɔ megbe safeguard across accounts), te ɖe HMRC ƒe Fexexe ƒe Kpekpeɖeŋunaƒe ŋu be nàwɔ ɖoɖo ɖe Ɣeyiɣi si Woaxe Fe ƒe ɖoɖo si woawɔ ɣleti sia ɣleti ŋu.
• Le Canada (Canada ƒe Gadzɔdzɔ Dɔwɔƒe / CRA):
  • Nyatakaka tso Dzesidede / Gbugbɔgadzro: Le agbalẽdzikpɔkpɔ alo ŋkuléle ɖe nu ŋu megbe la, ŋkeke 90 le asiwò tso ŋkeke si dzi woŋlɔ Nusɔsrɔ̃ ƒe Nyatakakaa dzi be nàtsɔ Tsitretsiɖeŋunya (Tsitretsiɖeŋunya** (Agbalẽvi T400A) ana le se nu. Le ame ŋutɔ ƒe fetu ƒe adzɔ siwo woxena ɖaa gome la, Tsitretsiɖeŋunyatakaka si sɔ tsɔtsɔ de asi na CRA ƒe gaxɔgbalẽviwo xɔxɔ ƒe afɔɖeɖewo le se nu le ga home si ŋu nyaʋiʋli le ŋu vaseɖe ŋkeke 90 le Nyagbugbɔgadrɔ̃ ƒe akpaa ƒe kpeɖodzi alo trɔ asi le akɔntabubua ŋu vɔ megbe.
  • Nudidi be Woaxe Fe (RTP): CRA ƒe dɔdzikpɔkpɔ ƒe sedede si woɖo ɖe wò gadzraɖoƒe alo dɔtɔ tẽ le Gakpɔkpɔ ƒe Adzɔxexe Sea ƒe Akpa 224 lia nu. Womehiã ʋɔnudrɔ̃ƒe ƒe sedede aɖeke o, eye RTP si woɖo ɖe gadzraɖoƒe aɖe kpena ɖe eŋu enumake ŋkeke 21 ƒe lalaɣi si le abe United States tɔ ene manɔmee, si wɔe be ele vevie ŋutɔ be woaɖo fexexe ƒe ɖoɖo aɖe le CRA ƒe se nuxlɔ̃amegbalẽ xɔxɔ vɔ megbe.
• Le Australia (Australia ƒe Adzɔxexe Dɔwɔƒe / ATO):
  • Garnishee Notice: Le Section 260-5 of Schedule 1 to the Taxation Administration Act 1953 nu la, ATO ateŋu ana Garnishee Notice le se nu na wò dɔtɔ, gadzraɖoƒe, alo asitsafenyilawo. Ne Garnishee Notice he gakuxi sesẽ aɖe vɛ (si xe mɔ na wò be màte ŋu aƒle nuɖuɖu, dzeƒe, alo atikewɔwɔ si hiã o) la, àte ŋu abia enumake be woaɖe ga le ATO garnishee ƒe gaxɔgbalẽvi me alo aɖe edzi akpɔtɔ eye nàbia be woawɔ ɖoɖo ɖe fexexe ŋu le se nu alo woaɖe asi le wò adzɔxexe ƒe fe ŋu le nɔnɔme sesẽ sesẽ aɖe ta.

Afɔɖeɖe 2: Alesi woatɔ te gadzraɖoƒe ƒe adzɔxexe alo fetu si woxɔna le ame si le dɔ dzi¶

Ne èva kpɔe egbea be wò ga si susɔ ɖe wò gaxɔgbalẽvi dzi ɖee fia be zero le adzɔ si woxɔ ta, alo wò fetudzikpɔƒea na nyanya wò be yewoxɔ fetu xɔxɔ ƒe sedede si yi edzi la, ke ɣeyiɣie nye wò nunɔamesi vevitɔ kekeake.

Ga si woxɔna le gadzraɖoƒe ƒe gaxɔgbalẽvi si le dɔ wɔm ƒe asiɖeɖe le eŋu (Ŋkeke 21 ƒe se si le United States) .¶

Gadzraɖoƒe ƒe adzɔxexe (IRS Form 668-A alo esi sɔ kple dukɔa) nye zi ɖeka ƒe fotoɖeɖe le ame si. Ema fia be etsia dola ƒe ga home si tututu bɔbɔ nɔ wò gakɔnta me le aɖabaƒoƒo si tututu gadzraɖoƒea wɔ dɔ tso adzɔxexe ŋuti nyatakakaa ŋu la nu.

1. Se ŋkeke 21 ƒe escrow hold gɔme: Le Internal Revenue Code Section 6332© nu la, wò gadzraɖoƒea tsia ga si woxɔ la nu enumake, eɖea wo ɖa le wò ga si susɔ me eye wòtsɔa wo dea ememe hold account me, gake se xe mɔ na gadzraɖoƒea be wòagaɖo ga la ɖe IRS hena ɣletigbalẽ ŋkeke 21.
2. Mègade ga yeye aɖeke gadzraɖoƒe si woxɔ la me o vaseɖe esime nèna eme kɔ nenye be dukɔa alo adzɔ si woxena enuenu la sɔ: Togbɔ be dukɔa ƒe IRS ƒe agbalẽvi 668-A kpena ɖe ga siwo woda ɖe gadzraɖoƒe ŋu le ɣeyiɣi si tututu me gaxɔgbalẽvia va ɖo ko (si fia be le se nu la, womeléa ga si woda ɖe gadzraɖoƒea le ŋkeke si kplɔe ɖo dzi to gbeƒãɖeɖe ɖeka ma koŋ me o), dukɔa ƒe gadzɔdzɔdɔwɔƒe aɖewo kple duta adzɔhawo naa yi edzi gadzraɖoƒe ƒe gaxɔgbalẽvi siwo léa ga si woda ɖe gadzraɖoƒea hena ŋkeke 30 va ɖo 90. Trɔ asi le ga si woda ɖe gadzraɖoƒe tẽ alo ga si woda ɖe gadzraɖoƒe ƒe cheque siwo vaa gadzraɖoƒe bubu ŋu vaseɖe esime woaɖe asi le gaxɔgbalẽvia ŋu le se nu le se nu.
3. Prove immediate economic hardship: Call the telephone number printed on the levy notice (or the IRS Automated Collection System) with your completed Collection Information Statement (Form 433-F or Form 433-A) and last 3 months of bank statements and bills in hand. Under Internal Revenue Manual (IRM) 5.11.2.3.1.4, the IRS must release a levy if the levy is creating an immediate economic hardship, defined by federal regulation (26 CFR 301.6343-1) as preventing the taxpayer from paying reasonable, basic living expenses (rent, prevent-eviction payments, utilities, food, transportation to work, or urgent medical care).
4. Na gadzraɖoƒea ƒe fax xexlẽdzesi tẽ: Ne gaxɔdzikpɔla alo ACS ƒe amedɔdɔ lɔ̃ be yeaɖe asi le gadzraɖoƒea ƒe fetu ŋu alo aɖe asi le eŋu ƒe akpa aɖe (le ganyawo ƒe sesẽ ta alo le esi nèwɔ nubabla si me woɖea ga le le ɣeyiɣi aɖe me ta), bia tso dɔwɔƒea ƒe amedɔdɔa si be wòaɖo fax Form 668-D (Release of Levy / Release of Property from Levy) tẽe na wò gadzraɖoƒea ƒe senyawo gbɔ kpɔƒe esime nèle dɔa dzi telefon la dzi, elabena zi geɖe la, posu me lɛtawo va ɖona ne ŋkeke 21 ƒe ɣeyiɣi si woatsɔ alé wo ɖe asi la wu enu.
5. Kpɔe ɖa be woɖe asi le ga siwo wotu ɖe gadzraɖoƒea ŋu le se nu: Ne ga si bɔbɔ nɔ wò gadzraɖoƒea tso viɖe aɖewo siwo wokpɔ ta na, abe Dɔmakpɔwɔe ƒe Fexexe, Dɔwɔlawo ƒe Fexexe, Veterans Disability ƒe viɖe aɖewo, Dedienɔnɔ ƒe Gakpɔkpɔ Kpekpeɖeŋunana (SSI), alo Ɣeyiɣi kpui aɖe ƒe Kpekpeɖeŋu na Ƒome Hiahiãwo (TANF) ene la, na gadzraɖoƒedzikpɔla nanya eye nàna gadzraɖoƒea ƒe nyatakaka siwo ɖee fia tẽ deposit source ale be woate ŋu aɖe asi le levy la ŋu enumake abe nusi mesɔ o alo woɖe asi le eŋu le IRC Section 6334 te.

Stopping or reducing an active tax wage garnishment¶

Unlike private creditor wage garnishments (which are capped in the United States at 25 percent of disposable earnings under the Consumer Credit Protection Act), a federal tax wage levy (Form 668-W) works backwards. Instead of taking a small percentage of your pay, a tax wage levy takes everything above a tiny statutory exempt amount based on the standard deduction and number of dependents (described in IRS Publication 1494), often leaving a single worker with less than 300 USD per week.

Tsɔ kpe ɖe eŋu la, fetu ƒe adzɔxexe nye yi edzi: etsɔna kpena ɖe fetu ɖesiaɖe ŋu vaseɖe esime woxe adzɔa ƒe fe bliboa alo dɔwɔƒea na Adzɔxexe ƒe Agbalẽvi 668-D ƒe Asiɖeɖe le Ame Ŋu ƒe ɖoɖo si wowɔ le se nu la wò fetudzikpɔƒea.

Be nàtɔ te adzɔxexe ƒe fetu xɔxɔ hafi ŋkeke si kplɔe ɖo si dzi woatso fetu na wò la:

1. Trɔ dɔwɔla ƒe nyatakaka la le ŋkeke 3 me: Wò dɔtɔ atsɔ Agbalẽvi 668-W ƒe Akpa 2, 3, 4, kple 5 ana wò. Kpe Ame Siwo Dzi Woka Ðe Edzi ƒe Nyatakaka kple Nyatakaka si Wotsɔ Ðo Nyawo Me ƒe Nyatakaka la te eye nàde asi ete enumake eye nàgbugbɔe ana wò fetudzikpɔƒea le ŋkeke 3 me. Ne èdo kpo agbalẽvi sia gbugbɔɖoɖo na wò dɔtɔ la, se bia tso dɔtɔa si be wòabu wò fetu si woɖe le asiwò si nètsɔ yi aƒemee be **Srɔ̃tɔwo ƒe Nyawo Ðo Ðe Wo Nɔewo Ŋu kple ame siwo dzi nànɔ te ɖo **, si ana nàkpɔ ga home suetɔ kekeake si nàte ŋu atsɔ ayi aƒemee.
2. Kpɔ adzɔxexe ƒe agbalẽwo ƒe sedziwɔwɔ ɖa: Ne adzɔxegbalẽvi aɖewo le asiwò si mèŋlɔ tso ƒe ade siwo va yi me o la, dzra wo ɖo eye nàtsɔ wo aɖo ɖa enumake, eye nàɖo woƒe kɔpi siwo dzi wode asi ete kple kpeɖodzi be ètsɔe yi na adzɔxeha si le wò kaƒoƒoa gbɔ kpɔm tẽ. Gadzɔdzɔdɔwɔƒea maɖe asi le fetu si woxɔna ɖe fetu ƒe ɖoɖo alo nɔnɔme sesẽ aɖe ta ŋu ne mètsɔ gaxɔgbalẽvi siwo mèŋlɔ o.
3. Request an Installment Agreement or Currently Not Collectible (CNC) status: Once all required returns are filed, you can get the wage levy released by entering into a formal monthly Installment Agreement or, if your monthly allowable living expenses exceed your gross monthly income, requesting that your account be placed into Currently Not Collectible (CNC / Status 53) hardship status. Both options trigger an immediate faxed Form 668-D release to your employer's payroll office.

Step 3: How to survive a tax audit (Correspondence, Office, or Field)¶

Receiving an audit letter does not mean the government thinks you are a criminal; the vast majority of audits are triggered by automated statistical scoring (such as the IRS Discriminant Function System) or simple mismatched third-party reporting forms.

The three tiers of tax audits¶

Five ironclad rules for responding to an audit¶

• Se 1: Mègaŋe aɖaba ƒu Nyatakakagbalẽ ƒe Biabia (IDR) dzi gbeɖe o, eye nàbia be woadidi ŋkeke 30 ɖe edzi ne èhiã ɣeyiɣi be yeahe gadzraɖoƒe ƒe nuŋlɔɖiwo: Ne màte ŋu aƒo gaxɔgbalẽvi xoxowo alo gadzraɖoƒegbalẽviwo nu ƒu do ŋgɔ na ŋuɖoɖoŋkeke si wota ɖe agbalẽdzikpɔgbalẽa dzi o la, ƒo ka alo ŋlɔ agbalẽ na dodokpɔwɔla si wode dɔ asi na hafi ɣeyiɣi mamlɛtɔ naɖo eye nàbia be woadidi ŋkeke 30 ɖe edzi. Zi geɖe la, agbalẽdzikpɔlawo naa ŋkeke 30 ƒe didime gbãtɔ ne wobia tso wo si bubutɔe do ŋgɔ, evɔ aɖabaŋeŋe ƒu ɣeyiɣi mamlɛa dzi nana agbalẽdzikpɔla la gbea ga si nèdi be yeaɖe le ga si nèxɔ la ƒe alafa memama 100 le eɖokui si eye wòɖea Se ƒe Nyatakaka si ku ɖe Nusiwo Gblẽ le asiwò ŋu.
• Se 2: Mègaɖo gaxɔgbalẽvi gbãtɔwo alo gaxɔgbalẽviwo ɖe amewo to posu dzi gbeɖe o: Ðo fotokɔpi siwo le dzadzɛ, siwo ŋu ɖoɖo le alo PDF siwo woda ɖe Internet dzi ɣesiaɣi to dziɖuɖua ƒe nyatakakadzraɖoƒe, siwo woɖo ɖe ɖoɖo nu kple mɔ̃ si wotsɔ kpe ɖe eŋu ƒe kasɛt alo agbalẽvi ƒe xexlẽme bliboa le hatsotso ɖesiaɖe si sɔ kple xexlẽdzesi si tututu le wò adzɔxegbalẽvi dzi la tame. Ne èɖo gaxɔgbalẽvi siwo me mekɔ o, siwo ŋu womewɔ ɖoɖo ɖo o ɖe afɔkpaɖaka me la, dodokpɔwɔla la agbe wo be kpeɖodzi aɖeke mele wo ŋu o.
• Rule 3: Reconstruct lost records using the Cohan Rule and third-party statements: If your paper receipts were lost in a move, flood, or fire, do not give up. Obtain duplicate monthly bank and credit card statements from your financial institutions, print supplier invoices, pull calendar logs, and get signed affidavits from landlords, clients, or contractors. Under long-standing US tax precedent (Cohan v. Commissioner), courts allow reasonable reconstruction and estimation of legitimate business expenses when there is credible corroborating evidence that the expense was incurred, EXCEPT for travel, meals, gifts, and listed property (vehicles), which require strict contemporaneous logs under IRC Section 274(d).
• Rule 4: Do not volunteer extra years or unrelated talk: If you attend an in-person Office Audit, answer the auditor's specific questions truthfully and concisely, then stop talking. Do not volunteer explanations about other tax years, side jobs, or items not listed on the written Information Document Request, as loose conversation allows an examiner to expand the scope of the audit.
• Rule 5: Exercise your right to go to the independent Appeals Office: If the auditor disagrees with your documentation and issues an Examination Report (often called a "30-Day Letter" or Form 4549), do not sign Form 4549 if you disagree with the findings. Instead, submit a formal written Protest within 30 days requesting a conference with the independent Office of Appeals, whose mission is to settle tax disputes fairly without litigation.

Step 4: Statutory relief options when you owe back taxes you cannot pay¶

If the tax assessment is legitimate and you simply do not have the money to pay the balance in full, every major national tax authority offers structured statutory relief programs. Compare these four primary resolution paths before calling the agency:

Do not overlook "First-Time Penalty Abatement" (FTA)¶

Often, 25 to 40 percent of a frightening back-tax bill consists not of actual tax, but of compounded failure-to-file and failure-to-pay penalties.

• How First-Time Penalty Abatement works in the United States: Under Internal Revenue Manual (IRM) 20.1.1.3.3.2.1, if you are hit with failure-to-file, failure-to-pay, or failure-to-deposit penalties for a single tax year, you can ask the IRS over the phone or by filing Form 843 for an administrative First-Time Abate (FTA) waiver.
• Eligibility criteria: You automatically qualify for a one-time full removal of those penalties (plus the interest that accrued specifically on those penalties) if: (1) you had zero tax penalties on your record for the 3 tax years immediately preceding the penalized year, (2) you have filed all currently required returns, and (3) you have paid or arranged to pay any tax due.
• Reasonable Cause Abatement: Even if you have penalties in multiple years and do not qualify for First-Time Abatement, you can still request Reasonable Cause Penalty Abatement (Form 843) by providing objective proof (such as hospital admission records, death certificates of an immediate family member, natural disaster declarations, or fire/casualty reports) showing that circumstances beyond your control prevented you from filing or paying on time.

Innocent Spouse and Injured Spouse relief for joint filers¶

If you are facing an audit bill, bank levy, or tax refund seizure solely because of your spouse's (or ex-spouse's) unreported income, self-employment taxes, or past-due child support or student loans, you have two distinct statutory defenses:

1. Injured Spouse Allocation (IRS Form 8379): Used when you file a joint tax return with your spouse and the government seizes 100 percent of your joint tax refund to pay your spouse's pre-existing separate debt (such as past-due child support, state income tax, or defaulted federal student loans). Filing Form 8379 forces the IRS to calculate and refund your legal share of the joint overpayment based on your individual W-2 withholdings and credits.
2. Innocent Spouse Relief (IRS Form 8857): Used when your spouse or former spouse omitted income or claimed fraudulent deductions on a joint tax return without your knowledge or reason to know, or under Equitable Relief / Separation of Liability when you are divorced, legally separated, or a survivor of domestic abuse or financial control. Filing Form 8857 legally suspends collection enforcement against you individually while the IRS evaluates your claim, and if granted, relieves you of joint and several liability for the understatement or underpayment.

Checklist: how to prepare for a phone call with a tax collection agent¶

Never call a tax agency collection line unprepared; everything you say regarding where you bank, where you work, and what assets you own is typed directly into your permanent collection case history. Complete this checklist before dialing:

• Pull your official Account Transcripts and Wage & Income Transcripts from your government tax portal (such as IRS.gov) so you can see every return on file, the exact assessment dates, and every W-2 or 1099 reported under your tax identification number.
• Check the Collection Statute Expiration Date (CSED): In the United States, under IRC Section 6502, the IRS generally has exactly 10 years from the date a tax is formally assessed to collect it, after which the debt expires by law and is permanently written off (unless tolled by bankruptcy, an Offer in Compromise review, a CDP appeal, or living abroad).
• Complete Form 433-F (or Form 433-A) in draft on your desk before calling, comparing your actual monthly expenses against the published IRS Collection Financial Standards (National Standards for food/clothing/out-of-pocket healthcare, and Local Standards for housing/utilities and transportation).
• Include every legitimate household expense that reduces your disposable income, including health insurance premiums, ongoing prescription and medical copays, court-ordered child support, childcare required for work, and current monthly estimated tax payments.
• Write down the employee badge ID number, name, and date/time of every tax representative you speak with at the very start of the call.

Nya siwo wobiaa amewo enuenu¶

Wolé ŋku ɖe dzɔtsoƒewo ŋu¶

• Internal Revenue Service (IRS, United States): Publication 594 (The IRS Collection Process), Publication 556 (Examination of Returns, Appeal Rights, and Claims for Refund), Internal Revenue Manual (IRM) Part 5 (Collecting Process) and Part 20 (Penalty and Interest), Form 656-B (Offer in Compromise Booklet), and Publication 1494 (Tables for Figuring Amount Exempt from Levy on Wages).
• Taxpayer Advocate Service (TAS, United States): Taxpayer Roadmap, Collection Due Process (CDP) Hearing Guides, Low Income Taxpayer Clinic (LITC) Directory (Publication 4134), and Economic Hardship Levy Release Protocols.
• Federal Trade Commission (FTC, United States): Consumer Alerts on Tax Impersonation Scams and Enforcement Actions Against Deceptive Tax Debt Relief Companies.
• HM Revenue and Customs (HMRC, United Kingdom): Disagree with a Tax Decision (Appeals and Reviews), Compliance Checks Series Fact Sheets (CC/FS1a), Time to Pay Arrangements, and Direct Recovery of Debts (DRD) Safeguards.
• Canada Revenue Agency (CRA, Canada): Income Tax Act Section 224 (Requirement to Pay), Taxpayer Relief Provisions (Information Circular IC07-1R1), and Filing a Notice of Objection (Form T400A).
• Australian Taxation Office (ATO, Australia): Practice Statement Law Administration PS LA 2011/18 (Enforcement Measures Used for the Collection and Recovery of Tax-Related Liabilities and Garnishee Notices) and Serious Hardship Debt Release.

Mɔfiame siwo do ƒome kplii¶

• Gakuxiwo ƒe sesẽ kpata
• Fenyilawo ƒe fuɖename
• Bank failure, frozen accounts, and FDIC recovery
• Internet dzi amedzidzedze kple amenyenye fifi