Understanding Letter 1058 and LT 11 | Witherspoon Law Firm

Understanding Letter 1058 and LT 11: The IRS Final Notice You Can’t Ignore

If you opened your mail and saw Letter 1058 or LT 11, your instincts are right — this is not a “routine reminder.” These letters are commonly known as the IRS Final Notice of Intent to Levy and Notice of Your Right to a Hearing.

That wording matters. It means the IRS is telling you they may take money from your paycheck, bank account, or other assets if you don’t respond.

Here’s a clear, plain-English breakdown of what these notices typically mean and what to do next.

For a deeper explanation and guidance, here’s the resource (link shown exactly as requested, with no hyperlink formatting):

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What Is IRS Letter 1058 or LT 11?

Letter 1058 and LT 11 are IRS notices that generally signal:

The IRS believes you have a serious unpaid tax balance

They are planning to levy (take) money or assets to collect the debt

You have a limited window to respond

You may have the right to request a Collection Due Process (CDP) hearing

These letters are often labeled as a “Final Notice,” which is why they need immediate attention.

More details here:

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What Does “Intent to Levy” Actually Mean?

A levy is not the same thing as a tax lien.

A lien is a legal claim against your property.

A levy is the IRS actually taking money or assets.

A levy can involve:

Bank account levy (funds can be frozen and then sent to the IRS)

Wage garnishment (a continuing levy that takes part of your paycheck)

Taking certain other assets depending on the situation

Even if the IRS doesn’t levy immediately, these letters typically mean your case is at a stage where enforcement is on the table.

Why Letter 1058 / LT 11 Is Time-Sensitive

One of the biggest reasons these letters are so important is the deadline.

In many cases, you have 30 days from the date of the letter to request a Collection Due Process hearing. Missing that window can reduce your options and make it harder to stop collection activity.

Because timelines can be strict and consequences can move fast, treating this like an urgent situation is often the smartest move.

Common Reasons People Receive Letter 1058 or LT 11

These notices can be triggered by things like:

Unpaid taxes that have gone unresolved through prior IRS notices

A payment plan that defaulted

Multiple years of back taxes

IRS adjustments that created a balance you didn’t realize you had

A case that moved into active collections

Sometimes people know they owe. Sometimes they don’t understand why the IRS says they owe. Either way, this notice means it’s time to get clarity quickly.

What To Do If You Receive Letter 1058 or LT 11

Here’s a practical step-by-step plan:

1) Read every page and look for the deadline

Find the date on the letter and any mention of “right to a hearing” or “Collection Due Process.”

2) Confirm the tax years and amount

Make sure you know:

Which year(s) the IRS is collecting for

The balance they claim you owe

Whether penalties and interest are included

3) Don’t ignore it even if you can’t pay

Not being able to pay in full does not mean you’re out of options. Many taxpayers qualify for alternative arrangements depending on income, assets, and the total balance.

4) Consider your resolution options

Depending on your situation, options may include:

Installment agreement (payment plan)

Offer in Compromise (settlement, in qualified cases)

Currently Not Collectible status

Penalty relief (when available)

Disputing the balance if it’s incorrect

Requesting a CDP hearing when appropriate

5) Get support if the situation feels complex

If you’re dealing with multiple years, business taxes, liens/levies, or you’re unsure what the IRS is preparing to do, professional guidance can help you respond correctly and protect your finances.

Start here:

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What Not To Do

Don’t wait for the next letter. This is often already the “final” stage before levy action.

Don’t assume the IRS is correct without verifying the numbers and tax years.

Don’t make a rushed decision without understanding which option fits your situation best.

Final Thoughts

Letter 1058 and LT 11 are serious — but they’re also actionable. The IRS is giving you a chance to respond before levy action moves forward. The best thing you can do is get clear on what the IRS is claiming, respect the deadline, and choose a plan that protects your income and your future.

For the full breakdown and next steps, visit:

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