Right now, the IRS could be pulling money straight out of your paycheck or freezing your bank account, even though you can barely cover rent this month.
If paying your IRS debt would leave you unable to meet necessary living expenses, our team of tax attorneys, Enrolled Agents, and former IRS Revenue Officers review your situation and help with the application process.
| Call (762) 800-1040 | Request an IRS Appeal Review |
When Paying the IRS Means Not Paying Your Bills
If your paycheck barely covers groceries, gas, and rent, the IRS still sends notices of levies, and levies turn into frozen accounts.
You don’t need another payment plan you can’t afford. You need a documented, legal way to stop IRS collections due to hardship while you get back on your feet. That’s what IRS financial hardship relief is built for, and the sooner you apply for IRS hardship status, the sooner collections actually stop.
Heading: Your Paycheck Shouldn’t Fund the IRS Before It Funds Your RentIf your income barely covers necessities, you may already qualify for IRS financial hardship protection. We’ll review your numbers and tell you the truth. CTA: Let’s Help You Stop IRS Collection! |
What Is IRS Hardship Status (Currently Not Collectible)?
Currently Not Collectible status (also called IRS hardship status) is the IRS’s own admission that you can’t pay right now without going without necessities. Once it’s approved, the IRS stops levies, wage garnishment, and seizure of your bank funds.
Who typically qualifies:
- Necessary living expenses (rent, food, utilities, medical care) meet or exceed monthly income
- Little to no equity in assets the IRS could otherwise collect against
- A documented, ongoing inability to pay
If that sounds like your situation, let’s help you apply for IRS hardship status correctly the first time.
| Let’s Stop Your IRS Collections Now |
Here’s How We Support You Through Every Step
Here’s what actually happens once you call. We run point on the entire fight!
1. A Complete Financial Review
We pull apart your full financial picture (income, expenses, assets, debts) the same way an IRS Revenue Officer would, before they do. This tells us exactly how to qualify for CNC status in your specific case.
2. The Paper Trail
We assemble your Collection Information Statement (Form 433-A or 433-F), bank statements, pay stubs, and expense proof into a file that holds up under IRS scrutiny.
3. We Handle the Communication
You never have to speak to the IRS directly. Our former IRS agents and Enrolled Agents handle every call, every fax, every follow-up demand on your behalf.
4. Applying Your Hardship Status
We formally file to apply for IRS hardship status, negotiate directly with the assigned agent, and push back on any pushback until Currently Not Collectible status is granted.
5. Follow-Up Review
CNC status isn’t permanent. The IRS reviews it periodically. We track your case so a surprise re-review never catches you off guard, and step in fast if the IRS tries to restart collections before you’re ready.
Once approved, this is how you stop IRS collections due to hardship for as long as your financial situation supports it.
Heading: The IRS Isn’t Going to Offer You Relief. But We Will!Body: Currently Not Collectible status exists for exactly your situation. You just have to prove it correctly. We handle the paperwork, the calls, and the fight. CTA Liner: Contact Now For Former IRS Agents’ Support |
Why Individuals and Business Owners Choose MD Sullivan Tax Group
Anyone can promise to fight the IRS for you. Here’s what actually backs our promise up:
- We help clients apply for IRS hardship status every week because it’s core to what we do.
- Insider knowledge you can’t Google. Our team includes former IRS Revenue Officers, a former IRS Criminal Investigator, and tax attorneys who know exactly how an agent decides your case because some of us used to be the agent.
- 250+ years of combined IRS resolution experience across tax attorneys, CPAs, and Enrolled Agents working your case.
- You never talk to the IRS again. Every notice, call, and demand routes through us, so you’re not the one on the phone defending your finances.
- Financing available. You don’t have to solve your entire tax problem and your legal bill on the same paycheck.
| Claim Your Free Case Review |
What Our Clients Say
Numbers and credentials only tell half the story. The other half comes from people who were exactly where you are right now and aren’t anymore.
You Don’t Have to Outlast the IRS Alone
The IRS has unlimited time, unlimited staff, and a system built to wear you down until you pay, settle, or default. You have neither the time nor the appetite for that fight and you shouldn’t need it.
What you need is a team that’s spent a combined 250+ years on the other side of that system, led by a former IRS agent who’s spent decades since then using that knowledge for taxpayers instead of against them.
Whether your case needs Currently Not Collectible status, an installment agreement, or a different path entirely, the fastest way to find out is to talk to someone who’s actually worked inside the IRS.
Don’t wait for the next notice to force your hand.
| Call (762) 800-1040 | Let’s Check If You Qualify |
FAQs
It's a status the IRS assigns when your documented finances show you can't currently pay anything toward your tax debt without undue hardship. It's the IRS's own acknowledgment that collection needs to pause.
You submit a completed Collection Information Statement (Form 433-A or 433-F) showing your necessary living expenses meet or exceed your income. Getting the documentation right the first time is most of how to qualify for CNC status without delays.
It stops active collection (levies, garnishments, and asset seizure) but penalties and interest continue accruing on the unpaid balance while you're in this status.
It isn't permanent. The IRS periodically reviews your financial situation and can resume collection if your circumstances improve.
Proof of income, monthly living expenses, bank statements, and a list of your assets; all required to complete the financial statement the IRS will review.
Yes. The IRS can reassess your ability to pay later, especially if your income rises or the collection statute of limitations approaches.
