An LT11 is the IRS’s final warning before levying your wages, bank accounts, or property. It triggers your right to a Collection Due Process hearing — you generally have 30 days to request it.
The LT11 (or Letter 1058) is as serious as IRS collection notices get: a Final Notice of Intent to Levy. After the 30-day window it provides, the IRS can seize wages, bank funds, and other property. But the LT11 also unlocks your strongest procedural right — a Collection Due Process (CDP) hearing. Requesting one within 30 days generally pauses levy action while you propose alternatives: an installment agreement, an offer in compromise, or hardship status. Missing the 30 days doesn’t end all options, but it forfeits the most protective ones. Treat the date on this notice as a hard deadline.
An independent review where you can challenge the levy and propose alternatives. Requesting it within 30 days of an LT11 generally pauses levy action.
For most property the IRS must issue a final notice with hearing rights first — the LT11/1058 is that notice. Certain items like state refunds can be levied earlier.
Upload the actual document and Main AI reads every clause, flags the risks, extracts the deadlines, and cites the law — free to start, no signup to see your first analysis.
Run the IRS Notice Analyzer — free →