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¿Quiénes pueden embargar reembolsos de impuestos sobre ingresos?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 19, 2023 3:57 PM
OVERVIEW

Dependiendo de las leyes de tu estado, es posible que los acreedores privados tengan acceso a esos fondos. Sin embargo, lo mejor es que te informes bien antes de entrar en pánico.

Embargo de tu reembolso

Si esperas un reembolso de impuestos y tienes miedo de que los acreedores te lo embarguen, quizás no deberías preocuparte tanto. La ley federal permite solo a las agencias gubernamentales estatales y federales (no a acreedores individuales ni privados) tomar tu reembolso como pago para saldar una deuda.

  • Sin embargo, una vez que depositas el reembolso en tu cuenta bancaria, estas reglas ya no aplican.
  • Dependiendo de las leyes de tu estado, es posible que los acreedores privados tengan acceso a esos fondos.

Programa de compensación de deudas del Departamento del Tesoro

El Programa de compensación de deudas del Departamento del Tesoro (TOP, según sus siglas en inglés) es administrado por los Servicios de Gestión Financiera (FMS, según sus siglas en inglés) del Departamento del Tesoro de los Estados Unidos. Permite que las agencias gubernamentales federales y estatales te cobren las cantidades que les debes mediante el embargo de tu reembolso de impuestos.

Las agencias gubernamentales con frecuencia embargan reembolsos de impuestos sobre ingresos federales, ya que son los pagos federales más comunes. La única manera de embargar tu reembolso es a través del TOP. Los acreedores privados, como las empresas de tarjetas de crédito, no tienen acceso a tu reembolso de impuestos. Además, solo determinados tipos de deudas al gobierno son elegibles para el TOP. Entre ellas, las siguientes:

  • pagos atrasados de sustento financiero para hijos menores con orden judicial,
  • deudas pendientes con agencias federales que no sean el IRS (Servicio de Impuestos Internos),
  • impuestos sobre ingresos estatales atrasados y
  • la compensación por desempleo que tengas que devolver.

La prioridad del IRS

Antes de que cualquier otra agencia federal o estatal pueda embargar tu reembolso de impuestos, debes estar al día con los pagos de los impuestos federales. Esto es porque siempre se deben pagar primero los impuestos que debes al IRS.

Por ejemplo, si debes impuestos del año anterior, pero esperas un reembolso de impuestos este año, el gobierno federal no lo considera como un pago en exceso al que las agencias gubernamentales que no sean el IRS tengan acceso.

  • En este caso, el IRS aplica el reembolso de impuestos actual a tu saldo de impuestos atrasado.
  • En otras palabras, el IRS se paga a sí mismo primero antes de poner tu reembolso a disposición para que lo embarguen otras agencias gubernamentales.

Pago de sustento financiero para hijos menores

Si pagas demasiados impuestos sobre ingresos y te corresponde un reembolso por el excedente, la agencia estatal que rige tu orden de sustento financiero para hijos tiene prioridad sobre el reembolso si debes pagos de sustento. El estado puede continuar embargando reembolsos de impuestos año tras año hasta que hayas cumplido con todas tus obligaciones de pago de sustento financiero para hijos menores.

Deudas federales no tributarias

Después de eso, cualquier otra agencia federal a la que le debes dinero tiene prioridad para embargar tu reembolso de impuestos.

Por ejemplo, supongamos que vas a recibir un reembolso de $5,000 y

  • Estás al día con tus obligaciones de impuestos sobre ingresos federales.
  • Debes $3,000 en pagos atrasados de un préstamo estudiantil Stafford.
  • Debes $2,000 en pagos atrasados de sustento financiero para hijos menores.

El estado puede tomar $2,000 para el pago de tu sustento financiero para hijos atrasado y el Departamento de Educación puede tomar los $3,000 restantes para cancelar los pagos atrasados del préstamo Stafford.

Deudas estatales

Las agencias gubernamentales estatales son las últimas en orden de prioridad en cuanto al embargo de reembolsos del IRS. Sin embargo, si debes devolver pagos de compensación por desempleo o tienes deudas pendientes por impuestos estatales sobre ingresos, también pueden embargarte el reembolso federal para pagar esas obligaciones.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

Tus impuestos bien hechos, con expertos bilingües a tu lado

Obtén asesoramiento ilimitado, una revisión final por parte de un experto bilingüe y tu máximo reembolso, garantizado con TurboTax Live Assisted Basic. Ahora disponible en español.

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Los impuestos estatales son adicionales.
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Presentación de impuestos 100 % gratis

Responde preguntas sencillas y TurboTax Free Edition se ocupará del resto. Ahora disponible en español.

Presentación gratuita de declaraciones simples con el Formulario 1040 (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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