IRS LT11 Notice — Final Notice Before Levy. Your Assets Are at Risk.

What this means: The IRS has issued a Final Notice of Intent to Levy. In 30 days, the IRS can legally seize your bank accounts, garnish your wages, take your Social Security, and seize your property. You have the right to a Collection Due Process hearing — but only if you request it within 30 days.

What Is an LT11 Notice?

LT11 is the IRS's "Final Notice of Intent to Levy and Notice of Your Right to a Hearing." It's the last warning before the IRS begins seizing your assets. Unlike earlier notices, LT11 gives the IRS legal authority to take enforcement action after 30 days — regardless of whether you respond.

What to Do RIGHT NOW

1. Call a tax professional immediately — (561) 247-0678 (LT11 cases prioritized)
2. Request a CDP hearing within 30 days — this stops all levy action
3. Do NOT move money between accounts — this can trigger faster action
4. Gather documents: last 3 months bank statements, pay stubs, monthly expenses

What the IRS Can Seize

What is an IRS LT11 notice?

LT11 is the IRS's Final Notice of Intent to Levy and Notice of Your Right to a Hearing. It means the IRS intends to seize your assets — bank accounts, wages, Social Security, and property — unless you take action within 30 days. This is one of the most serious IRS notices you can receive.

How much time do I have to respond to LT11?

You have 30 days from the date on the LT11 notice to request a Collection Due Process (CDP) hearing. This is a critical deadline — requesting a CDP hearing within 30 days pauses all levy action while your case is reviewed. Missing this deadline severely limits your appeal rights.

What assets can the IRS seize after LT11?

After the 30-day period, the IRS can levy bank accounts (freezing all funds), garnish wages (up to 70% of disposable income), seize Social Security benefits, intercept tax refunds, and in some cases, seize and sell property including vehicles and real estate.

Can I still negotiate with the IRS after receiving LT11?

Yes, but you must act immediately. Options include requesting a CDP hearing (strongest protection), setting up an installment agreement, submitting an Offer in Compromise, or proving financial hardship through Currently Not Collectible status. A tax professional can help you choose the right strategy and respond before the deadline.