The silence from the IRS is often more terrifying than a notice. If you owe money and haven't taken action, the IRS has the legal power to seize your bank account (levy) or garnish your wages. Here is how to stop them before that happens.
The biggest mistake is ignoring the mail. In 2026, the IRS uses automated systems that trigger a "Final Notice of Intent to Levy" after a set period of non-response. Once that 30-day window closes, your assets are fair game.
You cannot get a payment plan or any form of relief if you have unfiled returns. The IRS views non-filing as "non-compliance." File now to show you are acting in good faith.
If you truly cannot afford to pay anything without failing to pay for rent or groceries, you may qualify for CNC status. This pauses all collection activity. It doesn't clear the debt, but it stops the letters and levies for a year or two until your finances improve.
If you owe under $50,000, you can often set up a plan online in 10 minutes. This immediately moves your account from "Collection" to "Active," which automatically prevents levies.
If you receive a levy notice, you have the right to a Collection Due Process (CDP) hearing. This is a formal "pause" button where a tax attorney can argue for a better payment plan or settlement before your money is taken.