irs Tax relief Solutions

Can’t Afford to Pay the IRS? You May Qualify for Hardship Status

If you’re overwhelmed by IRS tax debt but truly can’t afford to pay — not even in monthly payments — the IRS may agree to leave you alone for now. This status is called Currently Not Collectible (CNC), and it can be a lifeline for taxpayers facing financial hardship. At Boulanger CPA and Consulting PC, we help Oklahoma City residents request CNC status properly and get the relief they need.

What Is Currently Not Collectible (CNC) Status?

CNC is an official IRS designation that temporarily stops all collection activity against you — including:


  • Wage garnishments
  • Bank levies
  • IRS collection letters
  • Referral to private collection agencies


It doesn’t erase your debt, but it puts a hold on enforcement, buys you breathing room, and protects your limited income.

Who Qualifies for IRS CNC Status?

To qualify, the IRS must determine that:


  • You do not have enough income to make monthly payments, and
  • Your basic living expenses exceed your disposable income


Common qualifying situations include:


  • Retirees on fixed income
  • Single parents supporting children
  • Self-employed individuals with erratic income
  • Anyone whose basic living expenses exceed monthly income

How We Help oklahoma city Taxpayers Get CNC Status

  1. Transcript & Notice Review — We pull your IRS records and determine if CNC is a viable strategy.
  2. Financial Statement Prep — We complete Form 433-F or 433-A, documenting your income, expenses, and hardship factors.
  3. IRS Communication — We present your case and documentation to IRS collections, requesting non-collectible status.
  4. Ongoing Support — We ensure future returns are filed and help maintain your status as needed.


What Happens After You’re Placed in CNC Status?

  • IRS stops collections (wage levies, bank levies, letters)
  • You may still accrue penalties and interest (but no enforcement)
  • The 10-year collection statute continues running
  • You must stay in compliance (e.g., file future returns on time)


In many cases, CNC status lasts for years — or until the IRS’s collection statute expires.



If you do not qualify for CNC status we can still assist you. There are various installment agreement options available to you.


Let’s Stop the IRS — So You Can Breathe Again

You don’t have to face collection letters, levies, or financial fear every day. We help clients across Oklahoma get relief and reclaim their peace of mind.


Schedule your confidential CNC strategy review today.


Wondering what IRS relief costs with a CPA. Check out our pricing page.


[Book Your Consultation] [Call 657-218-5700] [Email marc@boulangercpa.com]

IRS Currently Not Collectible (CNC) FAQs

What does “Currently Not Collectible” mean?

Currently Not Collectible (CNC) status means the IRS has determined that you cannot afford to pay your tax debt right now. Collections are temporarily paused while your financial hardship persists.

Do I still owe the IRS while I’m in CNC status?

Yes. The debt is still legally owed, and penalties and interest may continue to accrue. However, the IRS will not attempt to collect as long as you remain in hardship status.

How do I qualify for CNC status?

Qualification is based on your income, expenses, and assets. If paying the IRS would cause financial hardship, you may qualify. We prepare the financials and advocate directly with the IRS.

Can CNC status be changed or revoked?

Yes. The IRS can review your case annually or if your financial situation improves. It’s important to remain in compliance by filing all required returns during CNC status.