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“Stay of Enforcement” (Temporary Collection Hold): What It Is, Why It Matters, and What Happens If You Don’t Do It

October 21, 2025

What it is (plain English)

A “stay of enforcement” is a temporary collection hold we request from the IRS. When granted, it typically pauses new levies/garnishments for about 14–30 days while we get your investigation completed, submit your returns/financials and lock in a longer-term resolution (Installment Agreement, Offer in Compromise, or Currently Not Collectible).

Why it matters

  • Buys time—legally: We get breathing room to prepare accurate numbers instead of rushing under pressure.
  • Prevents avoidable damage: Helps stop last-minute wage/bank hits while we put protections in place.
  • Bridges to stronger protections: Once your IA/OIC/CDP is properly filed, formal rules usually keep levies off during review.

What happens if you don’t request it

  • Wage garnishment can start (or continue): Each paycheck may be hit until a real resolution is approved.
  • Bank levy can clean out available funds that day: Money in the account when the levy arrives can be frozen/removed.
  • Revenue Officer escalation: Field officers can move faster—demanding financials, contacting third parties, recommending seizures.
  • Lost leverage on timelines: Missed deadlines (like the 30-day window after a Final Notice to Levy) can remove key appeal rights and make relief slower.

What a hold doesn’t do

  • It’s temporary and discretionary (not guaranteed).
  • It does not erase penalties/interest or remove filed liens.
  • It won’t fix missed statutory deadlines (e.g., CDP 30-day window) after the fact.

Best time to request

  • Right after you receive a Final Notice of Intent to Levy (LT11/Letter 1058/CP90).
  • Any time a Revenue Officer is assigned and asking for documents.
  • When you need 1–2 weeks to file late returns or compile Form 433 financials for a resolution.

How CuraDebt handles it (fast path)

  1. Notice triage today: We read the code and confirm exact deadlines.
  2. Request the hold: Our enrolled agent calls the IRS and asks for a documented pause.
  3. Submit protections: File missing returns and your financial package to secure IA/OIC/CNC or a timely CDP hearing.
  4. Confirm status: We verify the account shows “pending,” which is what generally bars new levies while reviewed.

Quick FAQs

How long is the pause? Commonly 14–30 days; enough to submit a complete file.
Can I get more time? Formal protections (IA/OIC/CDP pending) can extend levy bars; the initial hold just gets us there.
What if I was already levied? We can still push for a release or reduction once a qualifying resolution is pending, but it’s harder—earlier is better.

Protect your paycheck and bank account today

Call (877) 850-3328 or send us a photo of your notice. We’ll request the hold (when appropriate), file the right paperwork today, get your investigation done ASAP, and pursue the best long-term outcome for you (IA, OIC, CNC).

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Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors you are enrolled with and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy or copies of agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries please email [email protected].

Establishment of a debt settlement plan may adversely affect your credit rating or credit scores. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. Nevertheless, negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest. Familiarize yourself with all program terms before enrolling. Mississippi Licensed Debt Management Service Provider. Licensed in various other states. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. In CT, DE, GA, HI, ID, KY, LA, ME, MT, NV, NH, NJ, ND, OH, PR, RI, SC, VT, WI and WY, CuraDebt does not provide debt settlement/adjustment services and instead may forward the consumer to a law firm that may be able to assist in providing similar services as part of their practice. CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. Our headquarters are located at 4000 Hollywood Blvd. Suite 555-S Hollywood, FL 33021.

C.P.D. Reg. No. – 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider with the License No. DSP-13.

© 2000 – 2025 CuraDebt Systems, LLC. All Rights Reserved.

Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors you are enrolled with and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy or copies of agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries please email [email protected].

Engaging in debt settlement services may have adverse effects on your creditworthiness/credit rating, potentially leading to collections, legal actions by creditors or collectors, and an increase in outstanding balances due to accrued fees and interest. Nevertheless, negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest. Familiarize yourself with all program terms before enrolling. Mississippi Licensed Debt Management Service Provider. Licensed in various other states. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. Our headquarters are located at 4000 Hollywood Blvd. Suite 555-S Hollywood, FL 33021.

C.P.D. Reg. No. – 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider with the License No. DSP-13.

© 2000 – 2025 CuraDebt Systems, LLC. All Rights Reserved.

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