Currently Not Collectible | IRS Hardship Program

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If you’re truly unable to pay your IRS balance, you may qualify for Currently Not Collectible (CNC) status — a powerful hardship program under the IRS Fresh Start Initiative.
It doesn’t erase your tax debt, but it stops IRS garnishments, levies, and collection activity immediately so you can get back on your feet.

At Newline Tax Group, we know how to build and file a CNC case that gets approved — not rejected.

👉 Check Your Eligibility for IRS Fresh Start Relief

CNC status means the IRS agrees that you can’t afford to pay right now.
Once approved:

• Wage garnishments and bank levies stop immediately
   
• IRS collection calls cease
   
• You remain protected while your financial situation stabilizes
   

Your tax debt still exists — but the IRS pauses enforcement, giving you time and breathing room to recover.

In some cases, older debts may even expire while in CNC under the Collection Statute Expiration Date (CSED).

👉 Check Your Eligibility Now

You may qualify if:

• You have little or no disposable income after basic living expenses
   
• Your income falls below IRS allowable expense standards
   
• You have no ability to make even minimal monthly payments
   
• You can provide documentation proving your financial hardship
   

The IRS verifies this through Form 433-F or 433-A — financial statements that outline your income, bills, and assets.

Our team helps you prepare and submit these forms correctly the first time to avoid delays or denials.

CNC isn’t a permanent solution — it’s a protection program that buys you time to recover financially.

Still, it’s one of the most effective immediate relief options when you simply can’t pay.

Benefits include:

• Immediate halt to IRS wage garnishments and bank levies
   
• Time to stabilize without collection pressure
   
• Prevents IRS from draining accounts or assets
   
• Some debts may expire while protected under CNC
   

👉 Check Your Eligibility for IRS Hardship Relief

Many CNC applications fail because they’re missing financial details or incorrectly filled out.

At Newline Tax Group, we handle the entire process — from transcript review to negotiation — so you can focus on rebuilding.

Our licensed team will:

• Analyze your financials to confirm CNC qualification
   
• Prepare accurate IRS financial forms (433-F / 433-A)
   
• Communicate directly with the IRS on your behalf
   
• Keep you informed and protected throughout the process
   

You’ll know exactly where your case stands and how long your protection lasts.

👉 Check Your Eligibility for IRS Fresh Start Relief

Q: Does CNC erase my tax debt?
No — it only pauses collections. However, the IRS statute of limitations continues to run, meaning some older tax debts may expire while you’re in CNC.

Q: How long does CNC last?
The IRS periodically reviews your finances. If your income improves, they may remove CNC status and revisit payment options.

Q: Can the IRS still file a lien?
Yes. The IRS can file a federal tax lien even while you’re in CNC status. Our team can help you minimize the impact and protect your assets.

If you’re under financial strain, don’t face the IRS alone.
Our licensed Enrolled Agents have helped countless taxpayers stop collections and secure hardship protection through the Fresh Start Program.

👉 Check Your Eligibility Now