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Get Total Debt Relief logo
  • Home
  • Personal, Business & Tax Debt
  • Bankruptcy & Proposals
  • CRA Tax Debt
  • Testimonials
  • Blog
  • Contact
A calculator and pen on handwritten sums, working out a CRA late-filing penalty

CRA late-filing penalty and interest calculator (Ontario, Canada)

CRA Tax Debt / Paul Pauze

Estimate the CRA late-filing penalty and the daily interest on unfiled T1 and T2 returns, using the CRA’s own published rates. Runs in your browser.

CRA late-filing penalty and interest calculator (Ontario, Canada) Read More »

A vintage balance scale, weighing the disadvantages of a consumer proposal

The Disadvantages of a Consumer Proposal

Consumer Proposals / Paul Pauze

The real disadvantages of a consumer proposal, listed first. Plus the advantages, and the situations where a proposal is the wrong answer entirely.

The Disadvantages of a Consumer Proposal Read More »

Letter tiles spelling CREDIT, what a consumer proposal does to your credit report

How Long a Consumer Proposal Stays on Your Credit

Consumer Proposals / Paul Pauze

How long a consumer proposal stays on your credit report, what it does to your score, whether you keep a credit card, and how to rebuild from month one.

How Long a Consumer Proposal Stays on Your Credit Read More »

A gold pocket watch lying on a pile of old coins, the cost and the time of a consumer proposal against a bankruptcy

Consumer Proposal or Bankruptcy: Which One Applies to You?

Consumer Proposals / Paul Pauze

The real differences between a consumer proposal and bankruptcy: what you keep, what you pay, how long each lasts, and the income rule that decides most cases.

Consumer Proposal or Bankruptcy: Which One Applies to You? Read More »

A calculator, cheque book and ledger on a desk, working out CRA debt for a consumer proposal

CRA and a Consumer Proposal: What Happens to Tax Debt

Consumer Proposals, CRA Tax Debt / Paul Pauze

CRA can be included in a consumer proposal and regularly accepts one. How CRA votes, which tax debts qualify, and why unfiled returns sink an offer.

CRA and a Consumer Proposal: What Happens to Tax Debt Read More »

A man at his kitchen table reading a letter, the first step before a consumer proposal

What Is a Consumer Proposal? A Plain-English Guide

Consumer Proposals / Paul Pauze

How a consumer proposal works under Canadian law: who qualifies, what happens after it is filed, how long it lasts, and what it does to your credit.

What Is a Consumer Proposal? A Plain-English Guide Read More »

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