How To Pay CRA Debt If I Can’t Pay
Hello! So I (23 m) just filed my taxes and I owe somewhere around $1,100. I’m currently in a consumer proposal, so this bill of $1,100 to the government is kinda nerve racking. I’m living frugally, like to-the-bone. No unnecessary subscriptions, no junk food when grocery shopping, no eating out, etc. I’ve also been looking for a cheaper place to rent and a new job closer to home (I have two jobs, one of them is in the U.S.) to give me some extra breathing room
The bulk of my money is going to my consumer proposal, rent, commuting expenses for work, groceries, stuff like that. I know for a fact that I won’t be able to find an extra $1,100 this month when my rent is more than the amount I owe to the Canadian government
So I a quick Google search, and so far I’ve found out that I can deal with my CRA debt in one of two ways:
- Talking to a Licensed Insolvency Trustee (LIT) who’ll be able to help me with that
- Reaching out to the CRA directly
The LIT I’m in business with says on their website that they can help people with their CRA debt, all though the site isn’t clear as to how they’ll help, it just says to call them for more info. So I could reach out to my case manager on Monday morning
Or, should I contact the CRA directly? I wanna get this stupid tax bill over with right away. So reaching out to the CRA directly is a good option, but I’m already a customer of one of the LITs that can help people with tax debt
Which would be the better option? Talk to my case manager (who, I assume, will talk to the CRA), or talk directly to the CRA?