Debt Relief Experts
Are Government Overpayments Included in a Bankruptcy?
Learn how bankruptcy affects EI, CERB, Ontario Works and other government overpayments in Canada. Understand how Section 178 of the BIA affects what debts are dischargeable.
Tax Debts/CRA
CRA Can Freeze Your Bank Account. Here’s What to Do About It.
If you have unpaid taxes to the CRA, they can exercise their collection right to freeze your bank accounts. Learn about what you can do if your accounts get frozen and what your next steps are.
CRA Collection Letters for CERB Ineligibility or Overpayment. Can You File Bankruptcy?
What are your options if CRA says you were ineligible and must repay CERB, CRB or other pandemic related benefits? Can you file a bankruptcy or proposal if you can't afford to pay back CERB? Doug Hoyes explains.
Can Bankruptcy Stop The CRA Collection Process?
Are you feeling pressure because you have unpaid debts to the CRA? In this guide we’ll explain various CRA collection methods and how insolvency works to stop the CRA and clear your tax debts.
CRA Taxpayer Relief Program: Do You Qualify?
Has the CRA charged you with interest or penalties? Learn about financial situations that qualify for waived charges, how to file for the CRA Taxpayer Relief Program and what to do if you aren’t approved.
What Happens When You Face a Tax Bill for CERB Payments?
The utilization of CERB payments for eligible Canadian’s counts as taxable income. We explain your options if you can't pay your CERB or CRB tax obligations.
Does Owing Taxes Affect Your Credit Score in Canada?
Does the Canada Revenue Agency report unpaid taxes on your credit report? This guide covers how taxes and other factors affect your credit score and what you can do about it.
Should I Borrow to Pay Taxes to CRA?
If you are unable to meet your tax payments, you may be considering borrowing to reduce long term interest and penalties. Learn if taking out a loan to pay taxes is a good choice for you.
Can Canada Response Benefits (CRB) Be Garnished?
Blog Post Updated October 2020: Find out more about Canada’s Response Benefits, and if these payments can be garnished.
How to Ensure CRA Will Accept Your Consumer Proposal
Are you thinking about filing a consumer proposal, but are unsure if the CRA will accept it? Doug Hoyes provides his best tips for a successful proposal involving tax debts based on his extensive experience.
What is a CRA Requirement to Pay and How Can You Stop It?
Has the Canada Revenue Agency issued a legal notice to you called a Requirement to Pay? Find out what to do if this happens to you and what you need to know as the taxpayer.
What To Do If You Owe Back Taxes to CRA
Owing money to the CRA can be stressful, especially as penalties and interest begin. We’ll show you what options are available to you if you can’t afford those payments and what your next steps should be.
Instant Cash Back on Tax Refunds. Is it Worth It?
Some businesses that do your taxes offer ‘cash back’ incentives for using their services, but what does this mean for the consumer? We explain how instant tax refunds really work and the associated costs.
10 Tips for Dealing with CRA and Tax Debt Problems
CRA tax debt problems can build up. Our experts, Doug Hoyes & Ian Martin talk about how to avoid a big tax obligation and what to do if you do face a large amount of taxes owing.
Tax Debt Help – Who Do You Call?
Tax debts can be a tricky circumstance to navigate, especially if you are not sure who can help you deal with the issue. Find out what to do and who to seek help from in specific tax debt situations.
Beware Fake Canada Revenue Agency Calls
Have you received a call from a CRA agent demanding your credit card information? Learn our top 10 tips you can use to identify fraudulent calls and what you can do if you are scared.
Tax Debt Settlement: What CRA Wants
CRA will accept a settlement through a consumer proposal or will write off tax debts in a bankruptcy. Ian Martin explains what requirements the Canada Revenue Agency will have under each solution.
Income Taxes and Bankruptcy – What You Need to Know
Did you know that bankruptcy law does eliminate most tax debt? Learn about when your tax debts can be discharged through insolvency and the implications of a CRA bankruptcy.
Tax Returns Not Filed Because You Are Afraid You Have Tax Debts?
It’s not that unusual for people to avoid filing taxes because they are scared large tax debts will arise from it. Find out what can happen if you have unpaid debts to the CRA and what you should do.
CRA Liens on Property – What Are Your Options?
If you have unpaid tax obligations, CRA can place a lien on your home or other property to collect that money. Learn how a consumer proposal or bankruptcy can prevent a lien and erase your tax debt.