ok my refund from the IRS can be taken with a credit company ,but how long does it take ? IRS refund by 04/01?

Received a garnishment letter today 3/18 and was todl that my IRS refund will be mailed by 4/1 so, I am wondering if my IRS refund will be taken by the time span being so short. What can I do abou the garnishment. I am a server so, that can't garnish my wages.

Public Comments

1. Your tax refund cannot be captured for ordinary credit debts, even if a garnishment order is secured by the creditor. Garnishments only apply to your wages, not your tax refund. Your tax refund can only be captured to settle debts for back taxes owed to the IRS or your state, unpaid child support in arrears, or government backed or direct student loans in default status. Your wages can always be garnished if enough money is left after taxes are withheld from your pay if you live in a state that allows wage garnishments. If you are a tipped employee in "negative paycheck" status due to high tips then you're essentially garnishment proof, but merely being a server doesn't, in and of itself, bar garnishment of your wages.