Subject: Request to Prevent IRS Offsetting Against My Tax Refund Dear [IRS Representative's Name], I am writing to you regarding my upcoming tax refund and the need to prevent the IRS from offsetting any portion of it. I understand that it is within your authority to offset tax refunds against outstanding debts owed to federal or state agencies. However, I kindly request your consideration to exempt my refund from any potential offset, as it would cause financial hardship and adversely affect my current situation. I have outlined the reasons for my request below: 1. Financial Strain: As a resident of New York, I am already facing significant financial burdens due to various unforeseen circumstances. The offsetting of my tax refund would exacerbate my financial strain, making it extremely challenging for me to meet my essential living expenses and obligations. 2. Essential Needs: The funds I anticipate receiving as a tax refund are crucial for covering necessary expenses such as rent or mortgage payments, utilities, health care costs, and other basic needs. The offsetting of these funds would significantly impact my ability to maintain a stable living situation and overall well-being. 3. Efforts to Resolve Debts: While I acknowledge any existing debts, I am actively working towards resolving them through alternative arrangements. I have been in communication with relevant agencies to establish a feasible repayment plan, demonstrating my commitment to fulfilling my obligations. 4. Financial Hardship Evaluation: I kindly request that my current financial situation be taken into account when considering the offset. I believe a thorough evaluation of my circumstances would demonstrate the adverse impact it would have on me and potentially warrant an exemption from the offset process. 5. Timely Resolution: As tax season approaches, I urge you to process my request promptly, allowing ample time for assessment and a decision before the issuance of my tax refund. This would give me the opportunity to plan and manage my finances accordingly, avoiding any further hardships. If there are any additional documents or forms that I need to submit in support of my request, please let me know, and I will provide them promptly. I understand the importance of fulfilling my obligations and settling any debts owed. However, given the circumstances I am currently facing, I kindly request your understanding and assistance in preventing the offsetting of my tax refund. Thank you for your attention to this matter. I appreciate your understanding and prompt consideration of my request. Should you have any further questions or require additional information, please do not hesitate to contact me at [Your Contact Information]. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code]