Phillip Zagotti

Attorney / CPA

Phillip Zagotti is an attorney and CPA and at North Star Law Firm in Houston, where he represents business owners in tax controversy, SBA loan collection, and bankruptcy matters. He is admitted to practice before the United States Tax Court and to the federal district and bankruptcy courts in Texas, New Mexico, and California.

Phillip has more than 25 years of combined experience across law, public accounting, and forensic accounting. He is national CLE faculty for LexVid and has co-authored three books written for business owners rather than practitioners, including Taxed: A Taxpayer's Guide to Tax Defense and Resolution, Trusted: The Essential Guide for Trustees, and The Small Business Disaster Survival Guide, published in April 2020 on the CARES Act relief programs.

Sept. 15, 2026

The EIDL Time Bomb: How the Treasury Is Now Seizing Refunds Without a Court Order

Took a COVID EIDL loan and have not thought about it in years? Check your status today. In late March the SBA moved hundreds of thousands of non-performing EIDL and PPP loans to the Treasury Department for enhanced collection, the hardship payment plans ended, and an EIDL loan default now gets collected like any other federal debt. The Treasury Offset Program can take your tax refund, administrative wage garnishment can take up to 15 percent of your paycheck, and a collection fee of roughly 30 p...

Guest: Phillip Zagotti

Listen to the Episode