Key Takeaway
Proper timing, documentation, and coordination between federal and state authorities allowed Andrin Tax Relief LLC to stop aggressive collection actions during a period of genuine financial hardship, protecting the client’s income and family stability.
Client Profile and Background
Client Profile
- Single father with two young children
- Primary wage earner for household
Background
- Gross wages declined from approximately $80,000 (2022) to $36,000 (2023) due to
job loss followed by re-employment at a lower wage - IRS wage garnishment notices were issued shortly after the income drop
- Client contacted Andrin Tax Relief LLC once garnishment risk became imminent
At the same time, the State of Illinois issued a wage levy notice threatening a 15%
garnishment per pay period ($476).
Financial Condition at Intake
- Net negative monthly cash flow
- Ongoing fixed expenses tied to prior income level, childcare, and basic living costs
- Checking account steadily declining
- No discretionary income available for IRS or Illinois payments
Tax Liabilities - Federal: $26,558 (tax years 2017–2020; returns filed, balances unpaid)
- Illinois: $5,545 (same tax years)
Resolution Strategy and Actions Taken
- Brought Client into Compliance
- Filed the 2022 federal return, clearing the final compliance barrier for
resolution options
- Filed the 2022 federal return, clearing the final compliance barrier for
- IRS Relief – Currently Not Collectible (CNC)
- Submitted CNC request based on documented economic hardship
- IRS accepted CNC status, halting collection activity and wage garnishment
- Illinois Relief – Wage Levy Percentage Reduction
- Submitted Illinois Wage Levy Percentage Reduction Request citing
economic hardship - Illinois approved reduction from 15% to 3.5% per pay period
- Garnishment reduced from $476 to $111 per paycheck
- Submitted Illinois Wage Levy Percentage Reduction Request citing
Outcome
- IRS wage garnishment fully avoided
- Illinois garnishment reduced by over 75%
- Client stabilized cash flow and retained funds needed for basic living expenses and
child care - Immediate financial pressure relieved while preserving future resolution options
