Worried taxpayer reviewing a frozen bank account on his laptop with an IRS notice and unpaid bills on the table.

Can the IRS Freeze Your Bank Account Without Warning?

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Can the IRS freeze your bank account without warning? Yes, even if the IRS sent its final levy notice years ago. Learn how an IRS bank levy works, why the 21-day holding period matters, and what New Jersey taxpayers can do before their money is taken.

Worried businessman reviewing IRS tax documents as two federal investigators approach his office.

How Do You Know If the IRS Is Criminally Investigating You?

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Could the IRS be investigating you for a tax crime without your knowledge? Not every tax problem leads to criminal charges, but certain warning signs deserve immediate attention. Learn how IRS Criminal Investigation works, what special agents look for, and when to contact an attorney to protect your rights.

New Jersey business owner reviewing Form 1099 contractor records and IRS audit paperwork at his office desk.

What Happens When the IRS Audits Your 1099 Contractors?

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Can the IRS audit your 1099 contractors? New Jersey business owners could face substantial payroll taxes and penalties if workers are misclassified. Learn what auditors examine, how to challenge an assessment, and how Tomes Law Firm helped a business owner facing more than $1 million in proposed liabilities.

New Jersey business owner reviewing IRS audit documents and payroll tax records at his desk.

Can an IRS Audit Turn Into a Criminal Investigation?

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Can an IRS audit turn into a criminal investigation? Yes, and the consequences can be serious. Learn how a New Jersey business owner’s audit was referred to IRS Criminal Investigation over unfiled returns and unpaid payroll taxes, and how Tomes Law Firm successfully demonstrated that his conduct was not willful, allowing the matter to return to a civil audit.

New Jersey business owner reviewing bank statements and IRS audit notice to identify deposits and transfers

What Happens When the IRS Audits Your Business Bank Deposits?

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The IRS may look at your business bank deposits and claim you earned more than you reported. But loans, transfers, and other deposits are not necessarily taxable income. Learn how Tomes Law Firm helped a New Jersey seasonal business owner trace his bank transfers and avoid an incorrect IRS assessment.

Couple reviewing mortgage and foreclosure paperwork at their kitchen table while considering Chapter 13 bankruptcy in New Jersey.

Can a Chapter 13 Save Your Home from Bankruptcy

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Behind on your mortgage or facing a sheriff’s sale in New Jersey? Chapter 13 bankruptcy may help stop foreclosure, give you time to catch up on missed payments, or allow you to sell your home and protect valuable equity. Learn your options before it’s too late.

Retired couple reviewing an IRS tax notice and household bills after learning that unpaid federal taxes could reduce their Social Security benefits.

Can the IRS Take Your Social Security Benefits for Back Taxes?

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Can the IRS take money from your Social Security benefits to collect unpaid taxes? Yes. The IRS can generally withhold 15% of eligible benefits through the Federal Payment Levy Program. Learn why these levies can be difficult to stop, what hardship protections may be available, and how Tomes Law Firm helped a client recover three months of improper deductions.

Small business owner reviewing financial paperwork and expenses while employees prepare orders in the background.

My Business Is Growing. Why Am I Making Less Money?

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Your business is growing, sales are increasing, and you’re working harder than ever. So why are you making less money? Learn how underpricing, rising expenses, and business debt can drain your profits—and what you can do to turn things around.