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ike님이 2013-05-09 19:00:11.0에 쓰신글
>저는 지금 한국에 체류하고 있는 미국 시민권자입니다.
>저와 저의 어머니 이름으로 joint account를 하나 가지고 있습니다. 제가 약간의 돈을 넣어두고 은행에서 발급한 visa debit card를 한국에서 크레딧카드 대용으로 쓰고있었습니다. 
>오늘 은행에서 account holding notice가 떠서 은행에 문의를 해보니 어머니 세금문제라며 구좌를 정지 시켜 놓았더군요. 은행에서 알려준 california franchise tax board에 문의해 보니 어머니 세금 문제는 맞는데 본인이 아니기 때문에 어떠한 문의도 할 수없었습니다. 결론은 정해진 날짜까지 금액이 지급되지 않으면 그냥 돈을 빼가겠다는데 구좌의 금액이 요구 금액의 반밖에 되지 않기 때문에 걱정이 되는 군요.
>저와 어머니 둘다 한국에 있었기 때문에 아무런 notice를 받질 못한 것이 문제였던 것 같습니다. 은행정지를 시킬 정도면 분명 연체도 꽤 되었을텐데 요구 금액 전부를 pay해야 하는지 조금 억울하단 생각도 드네요. 2주정도의 시간이 있는데 어떻게 해야 할 줄 몰라 문의드립니다.




"저는 지금 한국에 체류하고 있는 미국 시민권자입니다.
저와 저의 어머니 이름으로 joint account를 하나 가지고 있습니다. 제가 약간의 돈을 넣어두고 은행에서 발급한 visa debit card를 한국에서 크레딧카드 대용으로 쓰고있었습니다.
오늘 은행에서 account holding notice가 떠서 은행에 문의를 해보니 어머니 세금문제라며 구좌를 정지 시켜 놓았더군요. 은행에서 알려준 california franchise tax board에 문의해 보니 어머니 세금 문제는 맞는데 본인이 아니기 때문에 어떠한 문의도 할 수없었습니다. 결론은 정해진 날짜까지 금액이 지급되지 않으면 그냥 돈을 빼가겠다는데 구좌의 금액이 요구 금액의 반밖에 되지 않기 때문에 걱정이 되는 군요.
“저와 어머니 둘다 한국에 있었기 때문에 아무런 notice를 받질 못한 것이 문제였던 것 같습니다. 은행정지를 시킬 정도면 분명 연체도 꽤 되었을텐데 요구 금액 전부를 pay해야 하는지 조금 억울하단 생각도 드네요. 2주정도의 시간이 있는데 어떻게 해야 할 줄 몰라 문의드립니다. “========>>>>>>>>>>Garnishment of bank accounts is called a bank levy. Your checking account has been frozen. This is what happens to people whose bank accounts have been levied. The account is frozen for a limited period of time, usually 20 days, and then emptied by the creditor. California (and other states) have the right to levy your financial accounts, place a lien on your property, and offset any tax refund it may owe you for other tax years. However, you did not file joint tax return with your mother, (ONLY your mother  owes state income tax),. You may you should be insulated from collection efforts by the FTB for any tax debt that is solely in your mother’s name. Regarding your mother’s bank levy, if the tax was not paid in full by the funds seized in the levy, your joint bank account can be hit again. Also, you could suffer a wage levy, too.I recommend that you contact the FTB and If you feel that you should not have been subject to collection efforts, because you did not file a joint return or have any responsibility for the tax debt, you can speak with the CA FTB Taxpayers' Rights Advocate's Office. They are available to provide an independent review of your unresolved tax problems.




FOR YOUR MOTHER: If you fear you might be in danger of a bank levy, there are actions you can take to prevent the levy and protect your bank account.  Both the IRS and California offer Financial Hardship programs for people who cannot pay their entire amount due immediately.People owing California taxes should visit the Installment Agreement - Individuals page to learn the terms and conditions. The basic requirements appear reasonable:
•Owe a balance of $25,000 or less. •Agree to pay your account in 60 months or less.•Have filed all required personal income tax returns.So I guess you need to contact the California Franchise Tax Board at the Web page to apply online, or call (800) 689-4776 during business hours to learn more.If you are unable to commit to a monthly payment plan, you need to peak to the CA FTB about “not collectible status.” Not collectible status is granted temporarily if can prove a financial hardship. The debt continues to grow with interest and penalties, but your(your mother’s) wage and bank accounts will NOT be garnished. Tax debts in California never expire due to a statute of limitations, so the debt is your responsibility for the rest of your life.If you are unable to pay, there are two options to consider. California has a tax settlement program, the Offer in Compromise, that allows a taxpayer who lacks the income and assets to pay off the debt to settle the debt for less than is owed. Lastly, depending on how old your tax debt is and when you filed your returns, you may be able to include your tax debt in a bankruptcy. The general rule for including California tax debt in a Chapter 7 bankruptcy, which wipes out your debt, is that the taxes must be due for three years, the return must be filed for at least two years, and the assessment has to have been in place for 240 days. Tax debt can be included in a Chapter 13 repayment plan, no matter how old or recent it is.I guess contacting the CA FTB is the only way to settle  the taxation issue.