When IRS debt becomes unmanageable and you simply can’t afford to pay, the IRS may agree to pause all collection efforts under a hardship status called Currently Not Collectible (CNC). For many North Carolina taxpayers, this program can offer immediate protection from garnishments and levies.
At Polaris Tax & Accounting, we help clients throughout North Carolina—from Charlotte to Asheville—secure CNC status and protect their income.
What Is Currently Not Collectible (CNC) Status?
If you can’t pay the IRS without sacrificing basic living needs, your tax account can be marked as “not collectible.”
That means:
- The IRS will stop wage garnishments and bank seizures
- No enforced collection actions will be taken
- You won’t have to make payments during hardship
- The IRS may still offset future refunds
While CNC doesn’t erase the debt, it stops aggressive collection and gives you time to recover financially.
Who Qualifies for CNC?
The IRS will evaluate your:
- Monthly income and necessary living expenses
- Assets, equity, and liabilities
- Household size
- Ability to pay anything without hardship
This requires detailed disclosures using Form 433-A or 433-F.
How Polaris Helps North Carolina Clients
- Complete all required IRS financial forms accurately
- Contact the IRS to halt garnishments during review
- Negotiate directly with the IRS to secure CNC status
- Monitor your account for any changes or follow-up
We work with clients in Raleigh, Wilmington, Durham, and beyond.
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Final Thoughts
Don’t let unaffordable tax debt control your life. Polaris helps North Carolina taxpayers stop collection and apply for CNC so they can rebuild without pressure.