CRA debt after separation stays with the spouse who owes it, with two exceptions: property moved to you, and your own benefits. Here is section 160, the separation exception, and the order to do things in.

Ontario’s Wages Act exempts 80 per cent of your wages from garnishment for an ordinary debt and 50 per cent for support. Here is what counts as wages, who can move the line, and why a CRA garnishment reads differently.

A first debt consultation is usually free. The plan that follows it often is not. Here is what Ontario lets a debt settlement company or credit counsellor charge, and what to ask before you sign.

The CRA taxpayer relief provisions can cancel penalties and interest, never the tax. Who qualifies, what to send, how long the CRA takes, and what to do when the decision letter arrives.

How long can CRA collect debt? For income tax, 10 years from a start date the CRA sets. A payment, a letter or a garnishment may restart the clock. Here is how it works.

A CRA requirement to pay notice means the CRA has told your employer or bank to send it your money. Here is how to read your copy, what it can reach, how long it lasts and what can lift it.

Debt consolidation replaces many debts with one new loan, and you still owe every dollar. Debt relief routes change what you owe or who can collect. Here is how to tell which one fits.

A consumer proposal can run up to 5 years. A first bankruptcy lasts 9 or 21 months. Here is what sets the clock on each debt relief route, and what stretches it.

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