[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"getPageData-/cmpgn/2025-cra-debt-relief-en":3,"getGlobalData-en":353},{"id":4,"slug":5,"title":6,"date":7,"content":8,"uri":9,"status":10,"allFlexBlocks":11,"pageNavigation":12,"seo":14,"liveChat":19,"languageCode":21,"translations":22,"flexBlocks":26},"cG9zdDozNjM0","2025-cra-debt-relief","CRA Debt Relief – 2025","2025-03-06T07:03:45",null,"/cmpgn/2025-cra-debt-relief/","publish","[{\"fieldGroupName\":\"CampaignHeader\",\"image\":{\"iD\":2797,\"id\":2797,\"title\":\"Your Debt Relief Options\",\"filename\":\"Your-Debt-Relief-Options.png\",\"filesize\":606658,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options.png\",\"link\":\"\\/debt-relief\\/your-debt-relief-options\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"your-debt-relief-options\",\"status\":\"inherit\",\"uploadedTo\":210,\"date\":\"2024-06-27 14:57:56\",\"modified\":\"2024-06-27 15:17:45\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1920,\"height\":1140,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options-300x178.png\",\"medium-width\":300,\"medium-height\":178,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options-768x456.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":456,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options-1024x608.png\",\"large-width\":1024,\"large-height\":608,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options-1536x912.png\",\"1536x1536-width\":1536,\"1536x1536-height\":912,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options.png\",\"2048x2048-width\":1920,\"2048x2048-height\":1140,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options.png\",\"gform-image-choice-sm-width\":300,\"gform-image-choice-sm-height\":178,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options.png\",\"gform-image-choice-md-width\":400,\"gform-image-choice-md-height\":238,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options.png\",\"gform-image-choice-lg-width\":600,\"gform-image-choice-lg-height\":356},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Your-Debt-Relief-Options.png\"},\"heading\":\"Owe the CRA back taxes?\",\"text\":\"\u003Cp>We\\u2019ll negotiate with the CRA to reduce tax debt while stopping penalties, interest and collections.\u003C\\/p>\\n\"},{\"fieldGroupName\":\"FormEmbed\",\"anchorId\":\"consultation-form\",\"layout\":\"1-col\",\"form\":{\"ID\":2562,\"post_author\":\"6\",\"post_date\":\"2024-06-18 15:13:56\",\"post_date_gmt\":\"2024-06-18 19:13:56\",\"post_content\":\"\u003Ch2>Book your free consultation\u003C\\/h2>\\r\\nPlease fill in the required fields (marked with *)\\r\\n\\r\\n[gravityform id=\\\"9\\\" title=\\\"false\\\" description=\\\"false\\\" ajax=\\\"true\\\"]\",\"post_title\":\"Campaign Form\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"sem-form\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-02-06 11:31:13\",\"post_modified_gmt\":\"2025-02-06 16:31:13\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=form_embed&p=2562\",\"menu_order\":0,\"post_type\":\"form_embed\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},\"heading\":\"\",\"content\":\"\",\"hideContentOnMobile\":false,\"backgroundColor\":\"bg-teal-lightest\"},{\"fieldGroupName\":\"TextEditor\",\"supertitle\":\"\",\"heading\":\"\",\"textAlignment\":\"center\",\"wysiwygEditor\":\"\u003Cp class=\\\"large-paragraph\\\" style=\\\"text-align: center;\\\">We understand how overwhelming it can be to deal with the CRA on your own. Let\\u2019s work together to stop collections, interest and penalties right away. This will also prevent or even stop the CRA from taking more serious legal action in the future, like wage garnishments, bank account freezes, and other asset seizures. 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a plan to help regain control of your money\"},{\"icon\":{\"iD\":3328,\"id\":3328,\"title\":\"icons8-low-price\",\"filename\":\"icons8-low-price.svg\",\"filesize\":1888,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"link\":\"\\/?attachment_id=3328\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-low-price\",\"status\":\"inherit\",\"uploadedTo\":348,\"date\":\"2024-07-22 09:49:42\",\"modified\":\"2024-07-22 09:49:42\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-low-price.svg\"},\"text\":\"Start lowering your debt and easing your stress\"}],\"showArrows\":true,\"anchorId\":\"\"}]},{\"fieldGroupName\":\"ReviewSliderManualEntry\",\"reviews\":[{\"url\":\"https:\\/\\/www.trustpilot.com\\/reviews\\/62e28a8c4c35e69ec51c6bd0\",\"stars\":\"5\",\"text\":\"My experience with Farber was nothing short of seamless. I was initially unsure and a little nervous because I didn't know what to expect and hadn't used these kinds of services before. Using Farber was one of the easiest things I've ever done in my life. They are with you every step of the way and even after! \",\"name\":\"Noelle Mackenzie\"},{\"url\":\"https:\\/\\/www.trustpilot.com\\/reviews\\/650658b2fad7d6469470c59d\",\"stars\":\"5\",\"text\":\"I was so apprehensive about this process, but I am absolutely \\ud83d\\udcaf confident that this was the best move for me, and I am so happy for a fresh new beginning! \\r\\n Just an overall great experience and would recommend them to anyone! \\ud83d\\ude0a\",\"name\":\"Kelley Clark\"},{\"url\":\"https:\\/\\/www.trustpilot.com\\/reviews\\/64aac0560d3c90836d636f9c\",\"stars\":\"5\",\"text\":\"When I first contacted Farber, I was in panic and feeling helpless. They will represent you to your creditors and make sure that with a consumer proposal you get free of debt by making monthly payments that you can afford to pay based on your income.\",\"name\":\"Elaine D.\"},{\"url\":\"https:\\/\\/www.trustpilot.com\\/reviews\\/661c294835eb7c63c4d84a1c\",\"stars\":\"5\",\"text\":\"My life was so stressful knowing I have payment due that I couldn\\u2019t pay on time plus with all the phone calls didn\\u2019t make matters better, I tried all options with the bank but that didn\\u2019t work out, until I reached out to Farber had live chat explaining how to resolve my debt, and for that I\\u2019m so grateful.\",\"name\":\"Ho Ly\"},{\"url\":\"https:\\/\\/www.trustpilot.com\\/reviews\\/64345840746ca7dfea06aa2c\",\"stars\":\"5\",\"text\":\"What made my experience great were the people that worked with me. I can honestly say that the process was made easier and less stressful for me as a result of them. I highly recommend you call them. They are pro's and will make it painless.\",\"name\":\"HL. D\"}],\"showTrustpilotSummaryLink\":true,\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"]},{\"fieldGroupName\":\"TextEditor\",\"supertitle\":\"\",\"heading\":\"\",\"textAlignment\":\"center\",\"wysiwygEditor\":\"\u003Ch2 style=\\\"text-align: center;\\\">We\\u2019re your partner\u003C\\/h2>\\n\u003Cp>For more than 45 years, we\\u2019ve helped over 200,000 Canadians build a better relationship with money and put their debt behind them. Partner with a trusted licensed insolvency trustee who will guide you through your options so you can leave your tax debt behind.\u003C\\/p>\\n\u003Cp>You can expect:\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Free, no obligation, consultation with an experienced professional\u003C\\/li>\\n\u003Cli>A personalized tax debt solution plan that\\u2019s easy to follow and saves you money\u003C\\/li>\\n\u003Cli>A non-judgmental partner by your side until your final payment\\u2013and beyond.\u003C\\/li>\\n\u003C\\/ul>\\n\u003Cp>We’re here to help you every step of the way.\u003C\\/p>\\n\",\"anchorId\":\"\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"width\":\"8\\/12\",\"backgroundColor\":\"bg-white\",\"border\":false},{\"fieldGroupName\":\"FaqAccordion\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"Frequently Asked Questions\",\"text\":\"Debt doesn\\u2019t come with instructions. That\\u2019s where we come in.\"},\"type\":\"faq\",\"accordions\":false,\"faqs\":[{\"ID\":3636,\"post_author\":\"6\",\"post_date\":\"2025-03-06 06:57:54\",\"post_date_gmt\":\"2025-03-06 11:57:54\",\"post_content\":\"If you don\\u2019t pay your taxes or other debts on time, the CRA will immediately add interest to the amount you owe and may also impose penalties for missed deadlines or failing to file your return.\\r\\n\\r\\nWithin a few months, if you continue to miss payments or don\\u2019t create a payment plan, the CRA may begin legal actions. Typically, they will try to contact you by phone up to three times and send one written warning letter before taking further steps.\\r\\n\\r\\nIf you don\\u2019t take care of your debt, the CRA may take more severe actions in the long term, such as wage garnishments, bank account freezes, asset seizures, or legal proceedings. It's crucial to address your debt now to avoid escalating consequences.\",\"post_title\":\"What happens if you don\\u2019t pay back your CRA debt?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-happens-if-you-dont-pay-back-your-cra-debt\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-03-06 06:57:54\",\"post_modified_gmt\":\"2025-03-06 11:57:54\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=3636\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":3637,\"post_author\":\"6\",\"post_date\":\"2025-03-06 06:58:44\",\"post_date_gmt\":\"2025-03-06 11:58:44\",\"post_content\":\"Getting a letter from the CRA saying you owe money can be stressful, but it\\u2019s important to read it carefully so you know your options.\\r\\n\\r\\nHere\\u2019s what you can do:\\r\\n\\r\\n\u003Cstrong>Repay on your own\u003C\\/strong>\\r\\n\\r\\nIf you were to repay your tax debt on your own without the help of a LIT, you will be responsible for paying the full amount owed and the continued incurred interest.\\r\\n\\r\\nTo pay off your tax debt, you will follow the payment instructions in the letter or visit the CRA website for other ways to pay.\\r\\n\\r\\nIf you can\\u2019t pay everything right now, don\\u2019t worry. The CRA understands that everyone\\u2019s situation is different. Contact them to talk about your options. They can set up a payment plan to give you more time to pay your debt.\\r\\n\\r\\n\u003Cstrong>Work with a Licensed Insolvency Trustee\u003C\\/strong>\\r\\n\\r\\nWe recommend working with a Licensed Insolvency Trustee to help you navigate your situation with the CRA. They will handle the negotiations for you and help to reduce your tax debt. That means less stress for you and better protection from things like wage garnishments or bank account freezes.\\r\\n\\r\\nIgnoring your debt won\\u2019t make it disappear. If you don\\u2019t act, the CRA can take steps to collect the money, like holding back your tax refunds or benefits. It\\u2019s best to deal with it quickly to avoid more problems.\",\"post_title\":\"What are my options dealing with CRA tax debt?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-are-my-options-dealing-with-cra-tax-debt\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-03-06 06:58:44\",\"post_modified_gmt\":\"2025-03-06 11:58:44\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=3637\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":3638,\"post_author\":\"6\",\"post_date\":\"2025-03-06 06:59:57\",\"post_date_gmt\":\"2025-03-06 11:59:57\",\"post_content\":\"Farber can help with a wide range of CRA-related debts, including:\\r\\n\u003Cul>\\r\\n \\t\u003Cli>Personal income tax\u003C\\/li>\\r\\n \\t\u003Cli>Corporate income tax\u003C\\/li>\\r\\n \\t\u003Cli>Payroll deductions (for business owners)\u003C\\/li>\\r\\n \\t\u003Cli>GST\\/HST arrears\u003C\\/li>\\r\\n \\t\u003Cli>Tax credits and benefits overpayments (such as GST\\/HST credit and Canada child benefits if overpaid in the past)\u003C\\/li>\\r\\n \\t\u003Cli>COVID-19 benefits and subsidies\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\nAlong with most unsecured debts, like:\\r\\n\u003Cul>\\r\\n \\t\u003Cli>Credit card debt\u003C\\/li>\\r\\n \\t\u003Cli>Student loans (if it\\u2019s been 7 years since you were last a student)\u003C\\/li>\\r\\n \\t\u003Cli>Personal loans\u003C\\/li>\\r\\n \\t\u003Cli>Lines of credit\u003C\\/li>\\r\\n \\t\u003Cli>Payday loans\u003C\\/li>\\r\\n\u003C\\/ul>\",\"post_title\":\"What types of tax debt can Farber help with?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-types-of-tax-debt-can-farber-help-with\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-03-06 06:59:57\",\"post_modified_gmt\":\"2025-03-06 11:59:57\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=3638\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":3639,\"post_author\":\"6\",\"post_date\":\"2025-03-06 07:02:15\",\"post_date_gmt\":\"2025-03-06 12:02:15\",\"post_content\":\"Once you file a consumer proposal, the CRA is required to stop all collection actions immediately. This includes wage garnishments, bank freezes, and any legal actions they may have initiated. The Licensed Insolvency Trustee will take over all communications with the CRA and other creditors.\\r\\n\\r\\nOnce they have received your consumer proposal, the CRA will review your financial situation to see if the repayment plan makes sense. They will look at things like your income, assets, and past tax filings. If the CRA feels that your proposal is fair, they will agree to it. But if they think you are not offering enough, they might request a higher payment or more information about your financial situation.\\r\\n\\r\\nBecause the CRA is often one of the biggest creditors in a consumer proposal, their vote carries a lot of weight. This is why it is very important to work with an experienced LIT\\u2014they can help you prepare a strong proposal that has the best chance of being accepted.\",\"post_title\":\"How does CRA deal with consumer proposals?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"how-does-cra-deal-with-consumer-proposals\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-03-06 07:02:15\",\"post_modified_gmt\":\"2025-03-06 12:02:15\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/prod-wp.farber.ca\\/?post_type=faq&p=3639\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":478,\"post_author\":\"6\",\"post_date\":\"2024-06-14 09:45:11\",\"post_date_gmt\":\"2024-06-14 13:45:11\",\"post_content\":\"LITs are the only experts in Canada authorized to help reduce or eliminate debt through a consumer proposal or bankruptcy process. As LITs, we help people who have problems repaying their debts by providing practical advice and offering strategies that reduce your debt obligations.\\r\\n\\r\\nLITs are regulated by the \u003Ca href=\\\"https:\\/\\/ised-isde.canada.ca\\/site\\/office-superintendent-bankruptcy\\/en\\\">Office of the Superintendent of Bankruptcy (OSB)\u003C\\/a>, a division of the federal government.\",\"post_title\":\"What is a Licensed Insolvency Trustee?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-is-a-licensed-insolvency-trustee\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-03-06 07:03:34\",\"post_modified_gmt\":\"2025-03-06 12:03:34\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=faq&p=478\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"More FAQs\",\"url\":\"\\/faq\\/\",\"target\":\"\"},\"enableSeoSchema\":false,\"anchorId\":\"\"},{\"fieldGroupName\":\"GlobalBlock\",\"globalBlock\":2874,\"anchorId\":\"\",\"flexBlocks\":[{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"You can do this. We can help.\",\"text\":\"\u003Cp>Debt is a difficult thing to talk about. We know that it\\u2019s a hard first step to ask for help, but we\\u2019re committed to helping you see how to get out of debt to find the confidence to get started.\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Get started\",\"url\":\"#consultation-form\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]}]",{"pageNavigation":13},"campaign",{"title":15,"fullHead":16,"metaRobotsNoindex":17,"metaRobotsNofollow":18},"Explore Your CRA Debt Forgiveness Options - Farber Debt Solutions","\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Looking for CRA debt relief? We'll negotiate with the CRA to reduce the amount of tax penalties and interest so you can say goodbye to your CRA debt.\" />\n\u003Cmeta property=\"og:locale\" content=\"en_US\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Explore Your CRA Debt Forgiveness Options - Farber Debt Solutions\" />\n\u003Cmeta property=\"og:description\" content=\"Looking for CRA debt relief? 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Let’s work together to stop collections, interest and penalties right away. This will also prevent or even stop the CRA from taking more serious legal action in the future, like wage garnishments, bank account freezes, and other asset seizures. You don’t have to face this alone.\u003C/p>\n",[96],"top-padding","8/12","bg-white",{"fieldGroupName":100,"image":101,"supertitleStyling":123,"supertitle":36,"badgeNumber":36,"heading":124,"text":125,"button":8,"anchorId":36,"backgroundColor":98,"imageContainer":126,"imageSize":127,"layout":128,"textAlignment":130,"bodyTextSize":132,"showArrowBelow":20,"spacing":133,"buttonStyling":134},"ImageTextBanner",{"iD":102,"id":102,"title":103,"filename":104,"filesize":105,"url":106,"link":107,"alt":36,"author":37,"description":36,"caption":36,"name":108,"status":39,"uploadedTo":109,"date":110,"modified":110,"menuOrder":43,"mimeType":44,"type":45,"subtype":46,"icon":47,"width":60,"height":111,"sizes":112,"relativeUrl":122},2752,"Consumer Proposal 1","Consumer-Proposal-1.png",236037,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1.png","/consumer-proposal/consumer-proposal-1/","consumer-proposal-1",225,"2024-06-25 13:38:23",1074,{"thumbnail":113,"thumbnail-width":52,"thumbnail-height":52,"medium":114,"medium-width":115,"medium-height":54,"mediumLarge":116,"mediumLarge-width":57,"mediumLarge-height":117,"large":118,"large-width":119,"large-height":60,"1536x1536":106,"1536x1536-width":60,"1536x1536-height":111,"2048x2048":106,"2048x2048-width":60,"2048x2048-height":111,"gform-image-choice-sm":106,"gform-image-choice-sm-width":115,"gform-image-choice-sm-height":54,"gform-image-choice-md":106,"gform-image-choice-md-width":120,"gform-image-choice-md-height":65,"gform-image-choice-lg":106,"gform-image-choice-lg-width":121,"gform-image-choice-lg-height":67},"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/06/Consumer-Proposal-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/06/Consumer-Proposal-1.png","regular","Let’s address your CRA debt together","\u003Cp>If you owe back taxes to the CRA, it’s important to deal with it as soon as possible. Ignoring the CRA letters can lead to serious consequences, but with the right plan, such as a consumer proposal, you can manage your debt and find relief.\u003C/p>\n\u003Cp>A \u003Cstrong>consumer proposal\u003C/strong> is a licensed and regulated debt settlement agreement between you, the CRA and other unsecured creditors that you may have. It can help you reduce your tax debt, keep your assets, stop collection calls and reduce or eliminate tax penalties. 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proposal:\u003C/p>\n","contained","4/12",{"desktop":129,"mobile":129},"imageContent",{"desktop":131,"mobile":93},"left","base",[],"light",{"fieldGroupName":136,"supertitle":36,"heading":36,"introText":36,"icons":137,"outroText":191,"button":192,"anchorId":36,"backgroundColor":98,"padding":195,"iconSize":197,"iconAlignment":198},"IconGrid",[138,155,167,179],{"icon":139,"heading":36,"text":154},{"iD":140,"id":140,"title":141,"filename":142,"filesize":143,"url":144,"link":145,"alt":36,"author":37,"description":36,"caption":36,"name":141,"status":39,"uploadedTo":146,"date":147,"modified":148,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":152,"relativeUrl":153},2729,"icons8-cash-in-hand","icons8-cash-in-hand.svg",2344,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","/bankruptcy/icons8-cash-in-hand/",457,"2024-06-24 14:59:57","2024-06-24 17:16:09","image/svg+xml","svg+xml",96,{"thumbnail":144,"thumbnail-width":52,"thumbnail-height":52,"medium":144,"medium-width":54,"medium-height":54,"mediumLarge":144,"mediumLarge-width":57,"mediumLarge-height":57,"large":144,"large-width":60,"large-height":60,"1536x1536":144,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":144,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":144,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":144,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":144,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","Reduce your tax debt",{"icon":156,"heading":36,"text":166},{"iD":157,"id":157,"title":158,"filename":159,"filesize":160,"url":161,"link":162,"alt":36,"author":37,"description":36,"caption":36,"name":158,"status":39,"uploadedTo":146,"date":163,"modified":148,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":164,"relativeUrl":165},2732,"icons8-payment-history","icons8-payment-history.svg",2925,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-payment-history.svg","/bankruptcy/icons8-payment-history/","2024-06-24 15:00:00",{"thumbnail":161,"thumbnail-width":52,"thumbnail-height":52,"medium":161,"medium-width":54,"medium-height":54,"mediumLarge":161,"mediumLarge-width":57,"mediumLarge-height":57,"large":161,"large-width":60,"large-height":60,"1536x1536":161,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":161,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":161,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":161,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":161,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-payment-history.svg","Interest charges and penalties are frozen",{"icon":168,"heading":36,"text":178},{"iD":169,"id":169,"title":170,"filename":171,"filesize":172,"url":173,"link":174,"alt":36,"author":37,"description":36,"caption":36,"name":170,"status":39,"uploadedTo":146,"date":175,"modified":148,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":176,"relativeUrl":177},2739,"icons8-missed-call","icons8-missed-call.svg",1897,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-missed-call.svg","/bankruptcy/icons8-missed-call/","2024-06-24 15:00:14",{"thumbnail":173,"thumbnail-width":52,"thumbnail-height":52,"medium":173,"medium-width":54,"medium-height":54,"mediumLarge":173,"mediumLarge-width":57,"mediumLarge-height":57,"large":173,"large-width":60,"large-height":60,"1536x1536":173,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":173,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":173,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":173,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":173,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Stop collection calls and legal actions, such as wage and bank garnishments",{"icon":180,"heading":36,"text":190},{"iD":181,"id":181,"title":182,"filename":183,"filesize":184,"url":185,"link":186,"alt":36,"author":37,"description":36,"caption":36,"name":182,"status":39,"uploadedTo":146,"date":187,"modified":148,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":188,"relativeUrl":189},2735,"icons8-realtime","icons8-realtime.svg",1464,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-realtime.svg","/bankruptcy/icons8-realtime/","2024-06-24 15:00:07",{"thumbnail":185,"thumbnail-width":52,"thumbnail-height":52,"medium":185,"medium-width":54,"medium-height":54,"mediumLarge":185,"mediumLarge-width":57,"mediumLarge-height":57,"large":185,"large-width":60,"large-height":60,"1536x1536":185,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":185,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":185,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":185,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":185,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-realtime.svg","Realistic repayment plan that can stretch out to a maximum of 5 years","\u003Cp>It can be hard to talk about tax debt, but we offer a free, no-obligation, completely confidential consultation.\u003C/p>\n",{"title":193,"url":194,"target":36},"Book a FREE consultation","#consultation-form",[196],"bottom-padding","96","middle",{"fieldGroupName":200,"globalBlock":201,"anchorId":36,"flexBlocks":202},"GlobalBlock",3635,[203],{"fieldGroupName":204,"introduction":205,"steps":208,"showArrows":259,"anchorId":36},"Steps",{"supertitle":36,"heading":206,"button":207},"Book a free, confidential, no obligation consultation–we’ll do the rest",{"title":193,"url":194,"target":36},[209,223,235,247],{"icon":210,"text":222},{"iD":211,"id":211,"title":212,"filename":213,"filesize":214,"url":215,"link":216,"alt":36,"author":37,"description":36,"caption":36,"name":212,"status":39,"uploadedTo":217,"date":218,"modified":219,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":220,"relativeUrl":221},2721,"icons8-connected-people","icons8-connected-people.svg",2023,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-connected-people.svg","/?attachment_id=2721",348,"2024-06-24 14:59:50","2024-06-24 16:54:55",{"thumbnail":215,"thumbnail-width":52,"thumbnail-height":52,"medium":215,"medium-width":54,"medium-height":54,"mediumLarge":215,"mediumLarge-width":57,"mediumLarge-height":57,"large":215,"large-width":60,"large-height":60,"1536x1536":215,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":215,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":215,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":215,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":215,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-connected-people.svg","Share your story with one of our supportive team members",{"icon":224,"text":234},{"iD":225,"id":225,"title":226,"filename":227,"filesize":228,"url":229,"link":230,"alt":36,"author":37,"description":36,"caption":36,"name":226,"status":39,"uploadedTo":217,"date":231,"modified":219,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":232,"relativeUrl":233},2719,"icons8-compare","icons8-compare.svg",2280,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-compare.svg","/?attachment_id=2719","2024-06-24 14:59:48",{"thumbnail":229,"thumbnail-width":52,"thumbnail-height":52,"medium":229,"medium-width":54,"medium-height":54,"mediumLarge":229,"mediumLarge-width":57,"mediumLarge-height":57,"large":229,"large-width":60,"large-height":60,"1536x1536":229,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":229,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":229,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":229,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":229,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-compare.svg","Review your CRA debt relief options together",{"icon":236,"text":246},{"iD":237,"id":237,"title":238,"filename":239,"filesize":240,"url":241,"link":242,"alt":36,"author":37,"description":36,"caption":36,"name":238,"status":39,"uploadedTo":217,"date":243,"modified":219,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":244,"relativeUrl":245},2733,"icons8-timeline","icons8-timeline.svg",2591,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-timeline.svg","/?attachment_id=2733","2024-06-24 15:00:03",{"thumbnail":241,"thumbnail-width":52,"thumbnail-height":52,"medium":241,"medium-width":54,"medium-height":54,"mediumLarge":241,"mediumLarge-width":57,"mediumLarge-height":57,"large":241,"large-width":60,"large-height":60,"1536x1536":241,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":241,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":241,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":241,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":241,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-timeline.svg","Make a plan to help regain control of your money",{"icon":248,"text":258},{"iD":249,"id":249,"title":250,"filename":251,"filesize":252,"url":253,"link":254,"alt":36,"author":37,"description":36,"caption":36,"name":250,"status":39,"uploadedTo":217,"date":255,"modified":255,"menuOrder":43,"mimeType":149,"type":45,"subtype":150,"icon":47,"width":151,"height":151,"sizes":256,"relativeUrl":257},3328,"icons8-low-price","icons8-low-price.svg",1888,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-low-price.svg","/?attachment_id=3328","2024-07-22 09:49:42",{"thumbnail":253,"thumbnail-width":52,"thumbnail-height":52,"medium":253,"medium-width":54,"medium-height":54,"mediumLarge":253,"mediumLarge-width":57,"mediumLarge-height":57,"large":253,"large-width":60,"large-height":60,"1536x1536":253,"1536x1536-width":151,"1536x1536-height":151,"2048x2048":253,"2048x2048-width":151,"2048x2048-height":151,"gform-image-choice-sm":253,"gform-image-choice-sm-width":151,"gform-image-choice-sm-height":151,"gform-image-choice-md":253,"gform-image-choice-md-width":151,"gform-image-choice-md-height":151,"gform-image-choice-lg":253,"gform-image-choice-lg-width":151,"gform-image-choice-lg-height":151},"/wp-content/uploads/2024/06/icons8-low-price.svg","Start lowering your debt and easing your stress",true,{"fieldGroupName":261,"reviews":262,"showTrustpilotSummaryLink":259,"anchorId":36,"backgroundColor":90,"padding":284},"ReviewSliderManualEntry",[263,268,272,276,280],{"url":264,"stars":265,"text":266,"name":267},"https://www.trustpilot.com/reviews/62e28a8c4c35e69ec51c6bd0","5","My experience with Farber was nothing short of seamless. I was initially unsure and a little nervous because I didn't know what to expect and hadn't used these kinds of services before. Using Farber was one of the easiest things I've ever done in my life. They are with you every step of the way and even after! ","Noelle Mackenzie",{"url":269,"stars":265,"text":270,"name":271},"https://www.trustpilot.com/reviews/650658b2fad7d6469470c59d","I was so apprehensive about this process, but I am absolutely 💯 confident that this was the best move for me, and I am so happy for a fresh new beginning! \r\n Just an overall great experience and would recommend them to anyone! 😊","Kelley Clark",{"url":273,"stars":265,"text":274,"name":275},"https://www.trustpilot.com/reviews/64aac0560d3c90836d636f9c","When I first contacted Farber, I was in panic and feeling helpless. They will represent you to your creditors and make sure that with a consumer proposal you get free of debt by making monthly payments that you can afford to pay based on your income.","Elaine D.",{"url":277,"stars":265,"text":278,"name":279},"https://www.trustpilot.com/reviews/661c294835eb7c63c4d84a1c","My life was so stressful knowing I have payment due that I couldn’t pay on time plus with all the phone calls didn’t make matters better, I tried all options with the bank but that didn’t work out, until I reached out to Farber had live chat explaining how to resolve my debt, and for that I’m so grateful.","Ho Ly",{"url":281,"stars":265,"text":282,"name":283},"https://www.trustpilot.com/reviews/64345840746ca7dfea06aa2c","What made my experience great were the people that worked with me. I can honestly say that the process was made easier and less stressful for me as a result of them. I highly recommend you call them. They are pro's and will make it painless.","HL. D",[96,196],{"fieldGroupName":92,"supertitle":36,"heading":36,"textAlignment":93,"wysiwygEditor":286,"anchorId":36,"padding":287,"width":97,"backgroundColor":98,"border":20},"\u003Ch2 style=\"text-align: center;\">We’re your partner\u003C/h2>\n\u003Cp>For more than 45 years, we’ve helped over 200,000 Canadians build a better relationship with money and put their debt behind them. Partner with a trusted licensed insolvency trustee who will guide you through your options so you can leave your tax debt behind.\u003C/p>\n\u003Cp>You can expect:\u003C/p>\n\u003Cul>\n\u003Cli>Free, no obligation, consultation with an experienced professional\u003C/li>\n\u003Cli>A personalized tax debt solution plan that’s easy to follow and saves you money\u003C/li>\n\u003Cli>A non-judgmental partner by your side until your final payment–and beyond.\u003C/li>\n\u003C/ul>\n\u003Cp>We’re here to help you every step of the way.\u003C/p>\n",[96,196],{"fieldGroupName":289,"introduction":290,"type":293,"accordions":20,"faqs":294,"button":337,"enableSeoSchema":20,"anchorId":36},"FaqAccordion",{"supertitle":36,"heading":291,"text":292},"Frequently Asked Questions","Debt doesn’t come with instructions. That’s where we come in.","faq",[295,303,311,319,327],{"ID":296,"post_author":37,"post_date":297,"post_date_gmt":298,"post_content":299,"post_title":300,"post_excerpt":36,"post_status":10,"comment_status":82,"ping_status":82,"post_password":36,"post_name":301,"to_ping":36,"pinged":36,"post_modified":297,"post_modified_gmt":298,"post_content_filtered":36,"post_parent":43,"guid":302,"menu_order":43,"post_type":293,"post_mime_type":36,"comment_count":88,"filter":89},3636,"2025-03-06 06:57:54","2025-03-06 11:57:54","If you don’t pay your taxes or other debts on time, the CRA will immediately add interest to the amount you owe and may also impose penalties for missed deadlines or failing to file your return.\r\n\r\nWithin a few months, if you continue to miss payments or don’t create a payment plan, the CRA may begin legal actions. 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The CRA understands that everyone’s situation is different. Contact them to talk about your options. They can set up a payment plan to give you more time to pay your debt.\r\n\r\n\u003Cstrong>Work with a Licensed Insolvency Trustee\u003C/strong>\r\n\r\nWe recommend working with a Licensed Insolvency Trustee to help you navigate your situation with the CRA. They will handle the negotiations for you and help to reduce your tax debt. That means less stress for you and better protection from things like wage garnishments or bank account freezes.\r\n\r\nIgnoring your debt won’t make it disappear. If you don’t act, the CRA can take steps to collect the money, like holding back your tax refunds or benefits. 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This includes wage garnishments, bank freezes, and any legal actions they may have initiated. The Licensed Insolvency Trustee will take over all communications with the CRA and other creditors.\r\n\r\nOnce they have received your consumer proposal, the CRA will review your financial situation to see if the repayment plan makes sense. They will look at things like your income, assets, and past tax filings. If the CRA feels that your proposal is fair, they will agree to it. But if they think you are not offering enough, they might request a higher payment or more information about your financial situation.\r\n\r\nBecause the CRA is often one of the biggest creditors in a consumer proposal, their vote carries a lot of weight. This is why it is very important to work with an experienced LIT—they can help you prepare a strong proposal that has the best chance of being accepted.","How does CRA deal with consumer proposals?","how-does-cra-deal-with-consumer-proposals","https://prod-wp.farber.ca/?post_type=faq&p=3639",{"ID":328,"post_author":37,"post_date":329,"post_date_gmt":330,"post_content":331,"post_title":332,"post_excerpt":36,"post_status":10,"comment_status":82,"ping_status":82,"post_password":36,"post_name":333,"to_ping":36,"pinged":36,"post_modified":334,"post_modified_gmt":335,"post_content_filtered":36,"post_parent":43,"guid":336,"menu_order":43,"post_type":293,"post_mime_type":36,"comment_count":88,"filter":89},478,"2024-06-14 09:45:11","2024-06-14 13:45:11","LITs are the only experts in Canada authorized to help reduce or eliminate debt through a consumer proposal or bankruptcy process. 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insights from over 45 years of experience, learn about the importance of a Licensed Insolvency Trustee and learn from our blog articles and FAQs.","cG9zdDoyOA==",{"nodes":633},[634,639,644,649],{"uri":635,"label":636,"cssClasses":637,"description":8,"id":638,"parentId":631},"/the-three-truths/","The three truths",[],"cG9zdDoyNjE5",{"uri":640,"label":641,"cssClasses":642,"description":8,"id":643,"parentId":631},"/why-a-licensed-insolvency-trustee/","Why a licensed insolvency 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Please visit our \u003Ca href=\"https://www.farber.ca/contact-us/\">Contact Us\u003C/a> page for other ways to connect.\u003C/p>\n","coral",[732,733],"team_listing","team_detail",{"enableCorporationSchema":259,"companyName":735,"companyLogo":736,"companyWebsiteUrl":742},"Farber Debt Solutions",{"node":737},{"srcSet":738,"sizes":716,"mediaItemUrl":739,"altText":36,"mediaDetails":740},"https://www.farber.ca/wp-content/uploads/2025/07/farber-logo.png 300w, https://www.farber.ca/wp-content/uploads/2025/07/farber-logo-150x150.png 150w","https://www.farber.ca/wp-content/uploads/2025/07/farber-logo.png",{"height":54,"width":54,"filePath":741},"/wp-content/uploads/2025/07/farber-logo.png","https://www.farber.ca",{"generic":744,"blog":749,"location":754,"team":759},[745,747],{"languageCode":21,"uri":746},"https://www.farber.ca/",{"languageCode":25,"uri":748},"https://www.farber.ca/fr",[750,752],{"languageCode":21,"uri":751},"https://www.farber.ca/blog",{"languageCode":25,"uri":753},"https://www.farber.ca/fr/blogue",[755,757],{"languageCode":21,"uri":756},"https://www.farber.ca/locations",{"languageCode":25,"uri":758},"https://www.farber.ca/fr/emplacements",[760,762],{"languageCode":21,"uri":761},"https://www.farber.ca/our-team",{"languageCode":25,"uri":763},"https://www.farber.ca/fr/notre-equipe"]