
{"id":5333,"date":"2018-05-14T00:00:00","date_gmt":"2018-05-14T04:00:00","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/can-debts-owed-to-the-cra-and-qra-be-included-in-a-bankruptcy\/"},"modified":"2021-04-13T18:16:14","modified_gmt":"2021-04-13T22:16:14","slug":"can-debts-owed-to-the-cra-and-qra-be-included-in-a-bankruptcy","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/can-debts-owed-to-the-cra-and-qra-be-included-in-a-bankruptcy\/","title":{"rendered":"Can debts owed to the CRA and QRA be included in a bankruptcy?"},"content":{"rendered":"Tax season can be stressful, especially for those who receive unpleasant surprises and must pay money to Qu\u00e9bec Revenu Agency (QRA) and\/or the Canada Revenue Agency (CRA). Tax season can present you with some difficult questions: How do you extract yourself from tax debt, which can drag on for years? <a href=\"http:\/\/ginsberg-gingras.com\/en\/personal-bankruptcy\/\">Bankruptcy<\/a> or a <a href=\"http:\/\/ginsberg-gingras.com\/en\/a-consumer-proposal\/\">consumer proposal<\/a> may be the solution for you.<!--more--><\/p>\n<h2>CRA and QRA recourse options<\/h2>\n<p>Tax debt is widespread among consumers. If you do not repay it, its impact on your personal finances could go beyond simple interest fees.<\/p>\n<p>The CRA and QRA have a lot of power when it comes time to repay the amounts you owe them. They are able to seize your tax refund directly at the source, meaning that they can seize your tax refund cheque to reduce the total amount of your debt. They can also seize a sum directly from your paycheque (wage garnishing), and even freeze your bank account(s). In some cases, a legal mortgage may be imposed on any real estate you own.<\/p>\n<p>You can make a payment arrangement with the CRA and QRA. However, if collection measures have already been initiated, it can be difficult to stop them.<\/p>\n<p>Even if you find yourself in this position, you can permanently free yourself from your tax debt and avoid measures such as wage garnishing. You have two options: bankruptcy and a consumer proposal.<\/p>\n<p>In fact, bankruptcy and consumer proposals are both potential options to settle your tax debt.\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5598\" class=\"elementor elementor-5598 elementor-5442\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section data-dce-background-color=\"#008969\" data-dce-background-image-url=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2020\/02\/bande_verte.jpg\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-31d68664 outils_prenez_trouver wide_block wide_block_blog elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31d68664\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-73342f9b\" data-id=\"73342f9b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-357d531c elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"357d531c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"#rendezvous\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Make an&lt;br&gt; appointment\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 79 93.5\" style=\"enable-background:new 0 0 79 93.5;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#FFFFFF;}\t.st1{fill:none;stroke:#FFFFFF;stroke-width:1.314;stroke-miterlimit:10;}<\/style><g>\t<g>\t\t<path class=\"st0\" d=\"M54.6,37.2c1.3,0,2.3-1,2.3-2.3v-8.6c0-1.3-1-2.3-2.3-2.3c-1.3,0-2.3,1-2.3,2.3v8.6    C52.2,36.2,53.3,37.2,54.6,37.2\"><\/path>\t\t<path class=\"st0\" d=\"M63.4,83.8H14.6c-2.3,0-4.2-2.1-4.2-4.7v-32h57.1v32C67.5,81.7,65.7,83.8,63.4,83.8 M63.4,28.3h-4.6V33h4.6    c2.3,0,4.2,2.1,4.2,4.7v4.8H10.4v-4.8c0-2.6,1.9-4.7,4.2-4.7h4.6v-4.6h-4.6c-4.9,0-8.8,4.2-8.8,9.3v41.5c0,5.1,4,9.3,8.8,9.3h48.8    c4.9,0,8.8-4.2,8.8-9.3V37.7C72.2,32.5,68.2,28.3,63.4,28.3\"><\/path>\t<\/g>\t<rect x=\"27.5\" y=\"28.3\" class=\"st0\" width=\"22.9\" height=\"4.6\"><\/rect>\t<g>\t\t<path class=\"st0\" d=\"M23.4,37.2c1.3,0,2.3-1,2.3-2.3v-8.6c0-1.3-1-2.3-2.3-2.3c-1.3,0-2.3,1-2.3,2.3v8.6    C21,36.2,22.1,37.2,23.4,37.2\"><\/path>\t\t<path class=\"st0\" d=\"M41.1,60.1h-4.3v-4.3h4.3V60.1z M43.1,51.9h-8.3c-1.1,0-2,0.9-2,2v8.2c0,1.1,0.9,2,2,2h8.3c1.1,0,2-0.9,2-2    v-8.2C45.1,52.8,44.2,51.9,43.1,51.9\"><\/path>\t\t<path class=\"st0\" d=\"M57.4,60.1h-4.3v-4.3h4.3V60.1z M59.4,51.9h-8.3c-1.1,0-2,0.9-2,2v8.2c0,1.1,0.9,2,2,2h8.3c1.1,0,2-0.9,2-2    v-8.2C61.4,52.8,60.5,51.9,59.4,51.9\"><\/path>\t\t<path class=\"st0\" d=\"M24.8,60.1h-4.3v-4.3h4.3V60.1z M26.8,51.9h-8.3c-1.1,0-2,0.9-2,2v8.2c0,1.1,0.9,2,2,2h8.3c1.1,0,2-0.9,2-2    v-8.2C28.8,52.8,27.9,51.9,26.8,51.9\"><\/path>\t\t<path class=\"st0\" d=\"M41.1,75.4h-4.3v-4.3h4.3V75.4z M43.1,67.2h-8.3c-1.1,0-2,0.9-2,2v8.2c0,1.1,0.9,2,2,2h8.3c1.1,0,2-0.9,2-2    v-8.2C45.1,68.1,44.2,67.2,43.1,67.2\"><\/path>\t\t<path class=\"st0\" d=\"M24.8,75.4h-4.3v-4.3h4.3V75.4z M26.8,67.2h-8.3c-1.1,0-2,0.9-2,2v8.2c0,1.1,0.9,2,2,2h8.3c1.1,0,2-0.9,2-2    v-8.2C28.8,68.1,27.9,67.2,26.8,67.2\"><\/path>\t<\/g><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"#rendezvous\" >\n\t\t\t\t\t\t\tMake an<br> appointment\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6e1427 vis elementor-widget elementor-widget-text-editor\" data-id=\"f6e1427\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-18a686b\" data-id=\"18a686b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-688f506b elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"688f506b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"\/en\/trustee-office\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Find an&lt;br&gt; office\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 79 93.5\" style=\"enable-background:new 0 0 79 93.5;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#FFFFFF;}\t.st1{fill:none;stroke:#FFFFFF;stroke-width:1.314;stroke-miterlimit:10;}<\/style><g>\t<g>\t\t<path class=\"st0\" d=\"M54.7,78.6l-5-24.7l12.1,3.3l5.1,26.2L54.7,78.6z M40.3,85.2V65c0.9-1.2,3.5-5.2,6.5-10.1l4.9,24L40.3,85.2z     M30.8,55c3.1,5,5.8,9,6.6,10.1v20.5L26,79L30.8,55z M16,57.2L28,54l-5,24.6l-12.2,4.8L16,57.2z M21.6,27.4    c0-9.6,7.8-17.4,17.3-17.4c9.5,0,17.3,7.8,17.3,17.4c0,2.8-1.6,8.8-9.2,21.8c-3.2,5.5-6.4,10.4-8.1,12.9    c-1.7-2.5-4.9-7.4-8.1-12.9C23.1,36.2,21.6,30.2,21.6,27.4 M70.2,85.5l-5.8-29.7c-0.1-0.5-0.5-1-1-1.1l-14-3.8    c0-0.1,0.1-0.2,0.1-0.2C55.8,39.8,59,32,59,27.4C59,16.2,50,7.1,38.8,7.1c-11.1,0-20.2,9.1-20.2,20.3c0,4.6,3.2,12.4,9.6,23.3    c0,0.1,0.1,0.2,0.1,0.2l-14,3.8c-0.5,0.1-0.9,0.6-1,1.1L7.5,85.5C7.4,86,7.6,86.6,8,86.9c0.3,0.2,0.6,0.3,0.9,0.3    c0.2,0,0.4,0,0.5-0.1l14.7-5.8l13.6,7.8c0.2,0.1,0.5,0.2,0.7,0.2c0.1,0,0.1,0,0.2,0c0.1,0,0.1,0,0.2,0c0.5,0,1-0.3,1.2-0.7    l13.4-7.4l14.7,5.8c0.2,0.1,0.4,0.1,0.5,0.1c0.3,0,0.7-0.1,0.9-0.3C70.1,86.6,70.3,86,70.2,85.5\"><\/path>\t\t<path class=\"st1\" d=\"M54.7,78.6l-5-24.7l12.1,3.3l5.1,26.2L54.7,78.6z M40.3,85.2V65c0.9-1.2,3.5-5.2,6.5-10.1l4.9,24L40.3,85.2z     M30.8,55c3.1,5,5.8,9,6.6,10.1v20.5L26,79L30.8,55z M16,57.2L28,54l-5,24.6l-12.2,4.8L16,57.2z M21.6,27.4    c0-9.6,7.8-17.4,17.3-17.4c9.5,0,17.3,7.8,17.3,17.4c0,2.8-1.6,8.8-9.2,21.8c-3.2,5.5-6.4,10.4-8.1,12.9    c-1.7-2.5-4.9-7.4-8.1-12.9C23.1,36.2,21.6,30.2,21.6,27.4z M70.2,85.5l-5.8-29.7c-0.1-0.5-0.5-1-1-1.1l-14-3.8    c0-0.1,0.1-0.2,0.1-0.2C55.8,39.8,59,32,59,27.4C59,16.2,50,7.1,38.8,7.1c-11.1,0-20.2,9.1-20.2,20.3c0,4.6,3.2,12.4,9.6,23.3    c0,0.1,0.1,0.2,0.1,0.2l-14,3.8c-0.5,0.1-0.9,0.6-1,1.1L7.5,85.5C7.4,86,7.6,86.6,8,86.9c0.3,0.2,0.6,0.3,0.9,0.3    c0.2,0,0.4,0,0.5-0.1l14.7-5.8l13.6,7.8c0.2,0.1,0.5,0.2,0.7,0.2c0.1,0,0.1,0,0.2,0c0.1,0,0.1,0,0.2,0c0.5,0,1-0.3,1.2-0.7    l13.4-7.4l14.7,5.8c0.2,0.1,0.4,0.1,0.5,0.1c0.3,0,0.7-0.1,0.9-0.3C70.1,86.6,70.3,86,70.2,85.5z\"><\/path>\t\t<path class=\"st0\" d=\"M45.3,36.7H32.4c-0.8,0-1.4-0.7-1.4-1.5V21.7c0-0.8,0.6-1.5,1.4-1.5h12.9c0.8,0,1.4,0.7,1.4,1.5v13.5    C46.7,36.1,46.1,36.7,45.3,36.7\"><\/path>\t<\/g><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"\/en\/trustee-office\/\" >\n\t\t\t\t\t\t\tFind an<br> office\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d47be34 vis elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-text-editor\" data-id=\"4d47be34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-41168beb\" data-id=\"41168beb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-443712da elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"443712da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"\/en\/debt-solutions\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Find a&lt;br&gt; solution\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"\/en\/debt-solutions\/\" >\n\t\t\t\t\t\t\tFind a<br> solution\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25d9628b vis elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-text-editor\" data-id=\"25d9628b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/p>\n<h2>Are bankruptcy or consumer proposals the best options to settle tax debt?<\/h2>\n<p>Bankruptcy and consumer proposals are two procedures that can be used to erase your tax debt. These procedures also provide protection against wage garnishing and tax refund seizure in subsequent years.<\/p>\n<p>This protection is maintained throughout the bankruptcy or consumer proposal process. It prevents your creditors (including the CRA and QRA) from seizing your property, your wages, or even your government benefits to repay your tax debt.<\/p>\n<p>Tax debt is often included in bankruptcy and consumer proposal applications. You can include tax debt not only for the current year (for bankruptcy), but also for previous years.<\/p>\n<p>Upon release from bankruptcy or at the end of your consumer proposal, debts included in the procedure will be erased. It\u2019s essential to talk to a qualified advisor to help you decide which solution would be best for your needs and financial situation.<\/p>\n<p>Solutions to tax debt are more accessible than you think. Don\u2019t wait to settle your debts: <a href=\"http:\/\/ginsberg-gingras.com\/en\/on-line-consultation\/\">contact a Ginsberg Gingras Licensed Insolvency Trustee<\/a> (LIT) to help you escape your conundrum.\n","protected":false},"excerpt":{"rendered":"<p>Tax season can be stressful, especially for those who receive unpleasant surprises and must pay money to Qu\u00e9bec Revenu Agency (QRA) and\/or the Canada Revenue Agency (CRA). Tax season can present you with some difficult questions: How do you extract yourself from tax debt, which can drag on for years? Bankruptcy or a consumer proposal [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":5097,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[667,675,676],"tags":[768,727,771],"class_list":["post-5333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-insolvency-news","category-understand","tag-bankruptcy","tag-canada-revenu-agency","tag-consumer-proposal"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can debts owed to the CRA and QRA be included in a bankruptcy? | Ginsberg Gingras<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsberg-gingras.com\/en\/can-debts-owed-to-the-cra-and-qra-be-included-in-a-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can debts owed to the CRA and QRA be included in a bankruptcy?\" \/>\n<meta property=\"og:description\" content=\"Tax season can be stressful, especially for those who receive unpleasant surprises and must pay money to Qu\u00e9bec Revenu Agency (QRA) and\/or the Canada Revenue Agency (CRA). 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