A. Your wages garnished
B. Your bank account frozen in about 45 days after the date on the FNOIL.
In other words - the game of stalling is over once a FNOIL is sent. You or your tax professional needs to contact the IRS - in about 30 days - to begin the process of resolution and to prevent the levy process from going forward.
You can read more about IRS letters on our website: Making Sense of your IRS letters.