CNC status means the IRS stops collecting because you can't pay. No payments, no levies, no garnishments. The 10-year collection clock keeps running.
Pinellas County's cost of living factors into the IRS's allowable expense calculations. Housing costs in St. Pete are higher than many areas, reducing your disposable income in the formula. Florida's asset exemptions further reduce what the IRS considers available.
If the collection statute is approaching, CNC might be all you need. Let me analyze your dates.