We Know the IRS.
We Know What Works.
After decades in tax resolution, we've seen a clear pattern: thousands of taxpayers qualify for IRS hardship relief but never get the help they need.
The IRS Problem Nobody Talks About
The IRS receives millions of calls every year, but most taxpayers can't get through. When they do, the experience often feels like dealing with a collection agency rather than a government service designed to help.
We've watched countless people who legitimately qualify for hardship relief struggle for months—or years—trying to navigate the system alone. Meanwhile, they face mounting penalties, interest charges, and the constant stress of potential levies and garnishments.
The frustrating reality: if the IRS simply answered more calls and provided clear guidance, most of these situations could be resolved quickly. But they don't. So we do.
What We've Learned in Decades of Tax Work
After working with thousands of taxpayers, we've identified clear patterns in who qualifies for Currently Not Collectible (CNC) status and who doesn’t:
Who Typically Qualifies
- •Taxpayers owing under $10,000 who are current with their filings
- •Anyone whose monthly expenses (using IRS allowable standards) meet or exceed their income
- •Those who can demonstrate genuine financial hardship through proper documentation
- •People committed to staying compliant with future filings and not creating new tax debt
Red Flags That Complicate Approval
- •Owing very close to $10,000 (e.g., $9,999) where penalties and interest could push it over
- •Missing unfiled tax returns that could increase the total debt once filed
- •Significant assets or bank balances that the IRS could require you to liquidate first
- •History of non-compliance or creating new tax debt while trying to resolve old debt
Our experience shows that approximately 90% of people who owe under $10,000 qualify for hardship relief if they're current with their filings and can document their financial situation properly.
But here's what most people don't realize: even if you owe more than $10,000, you may still qualify if your monthly income is less than your allowable living expenses. That's where our free questionnaire comes in.
How TaxDelete Cuts Through the Red Tape
We know exactly what the IRS needs to see, how they evaluate hardship cases, and what documentation makes the difference between approval and denial. We've streamlined the entire process:
1. Free Qualification Check
Take our detailed questionnaire based on IRS Form 433-A. We'll analyze your income, expenses, assets, and bank accounts using the same standards the IRS uses internally. You'll know immediately if CNC hardship is right for you.
2. Pay Only If We Can Help
No upfront fees. No consultations where we try to upsell you. Only after you see that we can help do you pay our flat $149 fee for complete document preparation and submission.
3. We Handle the Paperwork
We prepare your IRS Form 433-A/F with complete accuracy, draft a professional hardship letter, gather your supporting documentation, and submit everything directly to the IRS on your behalf.
4. IRS Review & Decision
The IRS reviews your submission (typically within 30-60 days) and sends you an official letter confirming your CNC status. Once approved, collection activities stop immediately.
Important Considerations for CNC Hardship
Benefits of CNC Status
- ✓Immediate Protection: Stops IRS levies on bank accounts and wage garnishments
- ✓No Monthly Payments: Pay $0/month while your finances recover
- ✓Peace of Mind: Collection calls and notices stop
- ✓Time to Rebuild: Focus on improving your financial situation without IRS pressure
- ✓CSED Continues: 10-year collection period keeps running in most cases
Limitations to Understand
- ✗Debt Remains: CNC doesn't eliminate or reduce what you owe
- ✗Interest Accrues: Your balance continues to grow (typically 7% annually)
- ✗Refunds Seized: IRS takes all future tax refunds to offset your debt
- ✗Ongoing Compliance Required: Must file and pay all future taxes on time
- ✗Periodic Reviews: IRS checks your finances every 1-2 years
What You Need to Know About Refund Offsets
While in CNC status, the IRS will automatically take all of your federal and state tax refunds and apply them to your debt. For some taxpayers, this offset may actually exceed any benefit from avoiding monthly payments.
TaxDelete's value proposition is this: We protect your bank accounts and wages from IRS levies. If you typically receive large refunds each year, you might be better off with a payment plan instead. Our free questionnaire helps you make the right choice.
Understanding the 10-Year Collection Statute
The IRS has 10 years from the assessment date to collect your tax debt. This is called the Collection Statute Expiration Date (CSED). After 10 years, the IRS generally cannot collect the debt anymore.
What is the Assessment Date?
The assessment date is when the IRS processes your tax return and officially records the amount you owe. It's not the due date of the return—it's when the IRS receives and processes it. If you filed your return on time, the assessment date is typically a few weeks after the filing deadline. If the IRS audits you and assesses additional tax, the assessment date is when they finalize that audit adjustment.
How CNC Affects the CSED
Good news: In most cases, the 10-year CSED continues to run while you're in CNC status. This means you're one step closer to the debt expiring without having to pay it.
Important exception: Certain actions can pause or extend the CSED, including filing for bankruptcy, submitting an Offer in Compromise, requesting a Collection Due Process hearing, or entering into an installment agreement.
For many taxpayers, especially those close to their CSED, CNC status is the smart strategic choice. You protect your income and assets while the clock continues to run. After 10 years, the debt expires and you're free and clear.
Special Circumstances & Other Options
If You Have Unfiled Returns
Before pursuing CNC status, you must be current with all required tax filings. If you have unfiled returns, those must be filed first—and the additional debt from those returns could push you over $10,000 or disqualify you from hardship.
Our sister company, ReliefPlan.com, specializes in filing back tax returns. Visit them first to get compliant, then return to TaxDelete for CNC approval.
Payment Plans (Installment Agreements)
If your income exceeds expenses by more than $100/month, the IRS typically requires a payment plan instead of CNC. For debts under $50,000, payment plans are generally easy to obtain. If you owe over $50,000, the IRS may ask you to pay it down below that threshold first or provide additional financial documentation.
Offer in Compromise (OIC)
An OIC allows you to settle your tax debt for less than you owe. The IRS considers your income, expenses, assets, and ability to pay. If you can make a lump sum payment or commit to 12-24 months of payments that total less than your full debt, and the IRS believes that's more than they'd collect otherwise, they may accept your offer.
Important: OIC applications are complex and have strict eligibility requirements. Most taxpayers do not qualify. CNC is often a better option for those in genuine hardship.
Assets, Investments & Property
The IRS reviews your assets (cars, property, retirement accounts, investments) when evaluating hardship. If you have significant assets, they may require you to liquidate them to pay down your debt before approving CNC or a payment plan.
Tax liens: The IRS may file a federal tax lien even in CNC status (though they usually don't for balances under $10,000). If you're planning to sell property, do it before entering CNC or an installment agreement, as liens can complicate the sale.
See If You Qualify in 5 Minutes
Our free qualification questionnaire uses the same standards the IRS uses internally. You'll know immediately if CNC hardship is right for you—no sales pitch, no obligation, no upfront fees.
Only pay our $149 flat fee after you see we can help you.