IRS Hardship Program — Dallas, TX

Currently Not Collectible (CNC)

When paying your tax debt would leave you unable to cover basic living expenses, the IRS has a formal program to pause collection — indefinitely. It's called Currently Not Collectible status, and it may be the relief you need right now.

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Currently Not Collectible (CNC) is an IRS designation that temporarily — and sometimes permanently — halts all collection activity on your account. When the IRS determines that collecting from you would create a genuine economic hardship, they are required by law to suspend enforcement. That means no levies, no wage garnishments, no bank seizures — while your account remains in CNC status. The IRS reviews CNC accounts periodically, but many taxpayers remain in this status for years, and some until the 10-year collection statute expires entirely.

CNC is not forgiveness — the debt remains on the books and interest continues to accrue. But for taxpayers who are genuinely unable to pay, it provides critical breathing room. It can also be a strategic bridge: time to stabilize your finances, file missing returns, or build a case for an Offer in Compromise. We evaluate your full financial picture to determine whether CNC is the right path — and if so, we handle every step of the application.

Common Situations We Resolve

Income barely covers rent, food, and utilities

Unemployed or recently lost a job

On Social Security, disability, or fixed income

Medical hardship affecting ability to work or pay

Business closed or significantly reduced revenue

Received IRS levy or garnishment notice

Cannot qualify for a payment plan you can afford

Exploring options before an Offer in Compromise

How Community Tax Team Helps

Hardship Analysis

We review your income, allowable expenses, and assets against IRS Collection Financial Standards to determine whether you qualify for CNC status.

IRS Financial Disclosure

We prepare and submit Form 433-A (individuals) or 433-F, documenting your financial situation accurately and completely to support the CNC request.

Collection Hold

Once CNC status is granted, we confirm the hold is in place and that all active levies and garnishments are released.

Statute Monitoring

We track the 10-year Collection Statute Expiration Date (CSED) on your account — in some cases, CNC status can bridge you to full expiration of the debt.

Long-Term Strategy

CNC is often a starting point, not an endpoint. We help you decide whether to pursue an Offer in Compromise, installment agreement, or simply maintain CNC status as your situation evolves.

Ready to Resolve Your Tax Problem?

Our enrolled agents and CPAs have helped thousands of Dallas-area clients resolve IRS and state tax problems. Let us help you too.