<prompt> Human: Just curious if there are any kinds of accounts that the IRS has no ability to garnish. Ive heard horror stories about people waking up with their account cleaned out by the IRS--and whether its a mistake or not, it takes a long battle to get it back or get things straightened out on a payment plan. Are there any accounts Roth IRA, 401k, money market, stocks, etc.? that the IRS cannot legally touch. OR are your checking and savings the only accounts they can touch?  <response>: Ive heard horror stories about people waking up with their account cleaned out by the IRSAfter they elected not to pay taxes for a decade, threw away all mail, ignored being served notice of a lawsuit, lost the lawsuit, and ignored collection attempts, yes the IRS will garnish things like wages. Retirement accounts are typically beyond garnishment. Certain payments e.g. disability are also typically beyond garnishment. Most other accounts and assets are subject to seizure or forfeiture. 