CRA Tax Debt Relief
If you’re one of the many Canadians overwhelmed by tax debt, unexpected CRA bills, or years of back taxes, you do have options.
At Spergel, we help Canadians regain control with personalized tax debt relief programs, even if the CRA has already taken action like freezing accounts, garnishing wages, or adding penalties. With over 35 years of experience and a team of Licensed Insolvency Trustees, we offer professional, judgment-free help for income tax debt relief in Canada, from HST and CERB overpayments to RRSP withdrawals, property taxes, and more.
What Makes Tax Debt So Urgent?
The Canada Revenue Agency (CRA) has more power than most creditors. If your debt isn’t resolved quickly, they can:
- Freeze your bank accounts
- Garnish your wages directly from your employer
- Add interest and late penalties
- Place a lien on your home or property
- Seize investments or withhold tax credits
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We’ll work with you in the way that feels best to you.
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Call Us During Business Hours
When you call, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Toll Free: 1-877-557-7367
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
You can also reach us at one of our office locations phone numbers. See our list below on this page.
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From your phone, you will be connected with one of our Licensed Insolvency Trustees (LITs) during our regular business hours.
Monday to Friday 8am – 7pm EST
Saturday 9am – 4pm EST
Sunday 10am – 5pm EST
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Click the button below to reach or use our email address:
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How Much Could You Save?
Use our Debt Calculator to see how much debt relief you could get through a consumer proposal — it could reduce your debt by up to 80%.
debt help options
Here’s How Spergel Can Help You Tackle CRA Tax Debt
We’ll work closely with you to help determine the best path forward based on your income, assets, and CRA status. Some of the common and effective tax debt relief options include:
Consumer Proposal
A consumer proposal is one of the most effective CRA tax debt relief options available in Canada. Your Licensed Insolvency Trustee (LIT) negotiates a legally binding agreement with the CRA and other creditors to settle your tax debt for less, often up to 80% less than what you owe.
Details
It halts collection actions immediately, freezes interest and penalties, and allows you to keep your assets, including your home or business. Most importantly, it gives you breathing room with a single, affordable monthly payment.
Debt Consolidation
Debt consolidation allows you to combine multiple debts (including CRA tax debt) into a single loan with one monthly payment, ideally at a lower interest rate.
Details
While this option doesn’t reduce the amount you owe or stop CRA collections, it may help prevent your debt from growing if you’re still in good standing. Consolidation can be a useful solution if you have a stable income, strong credit, and want to simplify your repayment; but it’s important to assess your ability to keep up with payments, as CRA collections will continue if payments are missed.
Personal Bankruptcy
When other options aren’t viable, bankruptcy can offer a clean slate and stop the CRA from taking further action.
Details
It legally clears unsecured debts, including income tax debt, and offers immediate protection from wage garnishments, account freezes, and property liens. Your LIT will support you through the process with compassion and clarity, ensuring you understand what to expect and how to rebuild afterwards.
Other Tax Debt Solutions
These options do not provide legal protection but may help in specific situations:
- Requesting a voluntary payment plan with the CRA to pay in instalments
- Applying for taxpayer relief (a “fairness application”) to reduce interest or penalties
Details
These programs are at the CRA’s discretion and often require detailed financial disclosures and evidence of hardship.
Note: These solutions do not reduce your principal tax debt and require full repayment of the balance owed. They also won’t stop CRA enforcement actions like wage garnishments or bank account freezes if you miss payments or fall behind, so it’s important to fully understand the risks before proceeding.
Let’s Talk About What’s Right For You
Your financial situation is personal, and so is the solution. Book a free, no-pressure consultation and we’ll walk you through your line of credit debt relief options with clarity, care, and zero judgment.
Ready to Get Out from Under Tax Debt? We Can Help
Connect with a Spergel Licensed Insolvency Trustee for a free consultation. We’ll review your tax situation and help you explore the most effective path to relief with honest advice and support every step of the way.
What Real People Are Saying
Read honest feedback from Canadians we’ve helped find relief, peace of mind, and a fresh financial start.
where to start
What’s the First Step for CRA Tax Debt Help?
The first step is speaking with a Licensed Insolvency Trustee (LIT): the only professionals in Canada legally authorized to reduce or eliminate tax debt through regulated solutions like a consumer proposal or bankruptcy.
At Spergel, our Licensed Insolvency Trustees have helped over 100,000 Canadians find relief from CRA tax debt, including income tax, HST, and business-related arrears. We’ll review your financial situation, clearly explain your options, and help you choose the best path forward, providing protection from collection actions and no pressure to commit.
Everyone’s Situation is Different. Let’s Talk About You.
Book a free call today, and let’s make a plan together.
General faq
Answers to Common Questions About CRA Tax Debt
Can CRA tax debt be reduced or forgiven?
Yes, CRA tax debt can potentially be reduced through a consumer proposal — a legally binding agreement negotiated by a Licensed Insolvency Trustee (LIT). In some cases, tax debt can also be cleared through bankruptcy. These are the only two government-regulated debt relief options that can result in partial or full forgiveness of tax debt.
What happens if I don’t pay my CRA tax debt?
The CRA has strong collection powers and can take action without going to court. This includes garnishing your wages, freezing your bank accounts, placing a lien on your property, or seizing your assets. That’s why it’s important to take action early and explore legal solutions with a Licensed Insolvency Trustee.
Will CRA accept a consumer proposal?
In most cases, yes. The CRA regularly accepts consumer proposals filed by Licensed Insolvency Trustees. At Spergel, we have a 99% acceptance rate on proposals we file, even for large or complex tax debts.
Can I include HST, CERB, or CEBA tax debt in a proposal or bankruptcy?
Yes. Unpaid HST, CERB overpayments, CEBA loans (if personally guaranteed), and other tax-related debts can typically be included in both a consumer proposal and bankruptcy. A Licensed Insolvency Trustee can assess your specific situation and explain exactly what can be covered.
Can CRA freeze my bank account or garnish wages without warning?
Yes. Unlike most creditors, the CRA does not need a court order to take legal action. If you’re behind on your taxes, they can freeze accounts or garnish wages quickly. Filing a proposal or bankruptcy provides immediate protection through a legal “stay of proceedings.”
Real Canadians. Real Success — Like Jordan
“After years of struggling with escalating tax debt and the overwhelming stress it brought into my life, finding Spergel was a turning point for me. Their team approached my situation with an incredible mix of professionalism, empathy, and expertise, taking the time to understand the nuances of my financial dilemma. They negotiated directly with the CRA, securing a payment plan that was both manageable and fair, and even managed to reduce my overall debt. What truly stood out was how they empowered me with the knowledge and tools to take control of my finances moving forward. Thanks to Spergel, I can focus on my career and being a father without the constant worry of tax debt looming over me.”
– Jordan, Ontario
Jordan’s Story is just one of many
It shows that once you face your debt and get the right help, life can get better – quickly. Discover more Success Stories of Canadians we’ve helped, or reach out to us.
Real Help Starts Here
We know how stressful CRA tax debt can be. Whether it’s from self-employment, CERB, missed filings, or back taxes, we’ve seen it all, and we’ve helped people move forward. Now it’s your turn.
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Find CRA Tax Debt Help Near You
With over 40 locations across Canada, our experienced Licensed Insolvency Trustees are nearby and ready to help you take back control.