The only way to prevent the IRS from garnishing your wages for an outstanding tax debt is to have the lien released. Your best course of action will depend on individual circumstances. If you're unsure about what to do, get in touch with a qualified tax attorney for guidance on which path may work better given your unique situation.
Challenge the Tax Assessment
If you don't file a tax return, the IRS will create one on your behalf called a substitute. A potential consequence of this method is that your deductions and credits could be overlooked, which would result in you owing more than you actually do. You shouldn't have to face wage garnishment or other penalties if the information used by the IRS is wrong.
If you disagree with their findings, you can contact either the US tax Court or the IRS office for appeals to discuss your options and sort out this discrepancy
Pay Off Your Tax Debt
If you pay off your tax debt, the IRS will automatically release your tax lien. After the IRS issues a release, your employer may take a few days to accept it and stop garnishing your wages.
Immediate Economic Hardship
If the IRS imposes a levy on your wages and it is causing you severe financial difficulty, they may release the levy. According to the IRS, "economic hardship" means not being able to afford "basic, reasonable living expenses."
The IRS may agree to an individualized payment plan in order to remove the tax lien, as long as regular payments are made against the debt. A payment plan requires that the taxpayer pay off their full tax debt including penalties and interest.
The best way to prevent the IRS from taking your money is by having the tax lien released. Your next steps depend on your personal financial situation. If you're unsure of what to do, consider speaking with a qualified tax attorney for help deciding which course of action is right for you and your loved ones.