Stop CRA Wage Garnishment & Resolve Tax Debt
Licensed Insolvency Trustees can stop CRA collection actions, freeze penalties and interest, and help you resolve tax debt legally.
We Can Help You:
- Stop wage garnishment immediately
- Freeze CRA penalties and interest
- Negotiate affordable payment plans
- Include tax debt in Consumer Proposal
- Prevent bank account seizures
- Resolve years of unfiled returns
How Licensed Trustees Handle CRA Debt
Learn how we can stop CRA collection actions and resolve your tax debt
Legal Solutions for CRA Tax Debt
Licensed Insolvency Trustees offer federally regulated options
How We Stop CRA Collection Actions
A proven process to resolve your tax debt legally
Free Consultation
Review your CRA debt, income, and assets with a Licensed Insolvency Trustee.
Stop Collections
File Consumer Proposal or negotiate payment plan. CRA must stop all collection actions.
Freeze Penalties
No more interest or penalties accumulating on your tax debt.
Resolve Debt
Make affordable payments and become debt-free, including CRA.
Common Questions About CRA Debt
Can CRA garnish my wages without warning?
Yes. CRA doesn't need a court order to garnish wages. They will send demand letters first, but if you don't respond, they can garnish up to 50% of your income. A Consumer Proposal stops this immediately.
Will CRA forgive my tax debt?
CRA rarely forgives debt, but a Consumer Proposal (filed through a Licensed Insolvency Trustee) can legally reduce your tax debt by 30-80%. CRA must accept the proposal if the majority of creditors vote yes.
Can I include CRA debt in a Consumer Proposal?
Yes. CRA debt (income tax, GST/HST, payroll deductions) can be included in a Consumer Proposal. This stops collection actions and freezes penalties and interest.
What if I haven't filed tax returns in years?
We can help. Many people avoid CRA because of unfiled returns. A Licensed Insolvency Trustee can work with you to file outstanding returns and address the debt all at once.
How long does it take to stop wage garnishment?
Filing a Consumer Proposal stops wage garnishment immediately—usually within 24-48 hours. CRA is legally required to stop all collection actions once the proposal is filed.