06/01/2026
I'll never forget the call I got three years ago from a 72-year-old veteran who thought his bank had made a mistake. His Social Security deposit was suddenly 15 percent short, and he'd already called them twice before someone finally told him to contact the IRS. He had no idea what a Federal Payment Levy Program even was. Here's the thing - the FPLP is the IRS's way of taking money directly from Social Security, and it plays by completely different rules than the wage garnishments or bank levies most people know about. The IRS doesn't have to send you a fresh warning. They sent one years ago when your debt first hit collections, and that single notice covers them forever on continuous payments like Social Security. I've been doing this for 32 years, and I've seen these levies crush people who are already living on fixed incomes. But I've also seen every one of them released when we used the right approach. There are four main ways out depending on your situation - hardship status, payment plans, settlements, or proving the debt isn't valid. The key is acting quickly because unlike wage garnishments where you keep most of your check, this 15 percent comes out every single month until it's resolved. I wrote up everything you need to know about how the FPLP actually works, what your rights are, and the exact steps to stop it: https://getirshelp.com/blog/social-security-15-percent-levy-fplp/ If this is happening to you or someone you know, call us for a free consultation: (813) 229-7100. We've resolved over 100 million dollars in tax debt, and we've handled hundreds of these Social Security levies. You're not stuck with this.