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What to Do If You're Struggling with Tax Debt

Get back on track with helpful, practical guidance and possibly other options that could help you.

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Tackling Tax Debt Problems

Are you behind on your taxes and struggling with tax debt? Perhaps you were hit with an unexpected tax bill, or maybe you've had an ongoing issue that you now feel you really need to deal with. Whatever your issue is along these lines, we'd be happy to help you take a look at it and see if there is anything we can do to help you out. We find there are often two important things to do in these situation:problems-with-tax-debt-400px.jpg

  1. Figure out what caused the problem.
  2. Create a plan to address the problem so that it doesn't happen again.

We can help you by taking a look at your financial situation, help you figure out what led to the issues you're experiencing, and then help you put together a plan to prevent this from happening again. We're a non-profit consumer credit and debt counselling service. One of our Credit and Debt Counsellors can help you with all this; plus, if you're struggling with other debts, they can help help you tackle those too. They can help you get started right away with a plan to:

  • Manage all of your bills and living expenses
  • Look at all your options to get your finances back in order
  • Repay your unsecured non-tax debts with one manageable monthly payment
  • Save thousands of dollars in interest payments

 

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The Ways We're Able to Help with Tax Debt Challenges

We'll Help You Create a Realistic Budget to Manage Your Expenses

One of the first things we find is helpful in helping people deal with their tax debt is creating a monthly spending plan: a budget. We can help you do this – and here’s why this is so important. You probably need to free up some money to be able to afford to repay your taxes along with keeping up with the rest of your bills. If you are spending exactly what you earn – or maybe a bit more than you earn – then it’s going to be really hard to repay your debt. By letting a budgeting expert help you put together a budget, you can find places here and there to optimize your spending so that at the end of the day, you've actually freed up enough money to fully pay your tax bill plus keep paying down any other debt you might have.

We Can Help You Explore Options to Consolidate Debt

After one of our Credit Counsellors helps you put together a solid budget and gives you some tips and guidance, you may feel that you can now tackle your tax debt on your own. If that’s the case, then that’s fantastic. However, if you have other debts that you're struggling to pay too, then you might also want to explore other options that could possibly help you consolidate your debt and pay it off more quickly. Consolidation options can include a consolidation loan, debt settlement, Debt Management Program, Consumer Proposal, or other options.

Get Free, Confidential, Non-Judgmental Guidance

counsellor-helping-with-debt.jpgTo take a good look into all your options, see what your next best steps are, and then see if there is anything else that might be able to help you, give us a call and make an appointment to speak with one of our Credit Counsellors. You can meet with one either in person at one of our offices or over the phone if that’s more convenient for you. They’ll help you put together a budget, explore all your options, and then help you create a plan to get your finances back on track as quickly as possible. Appointments with our Counsellors are always free, completely confidential, and non-judgmental. We’re simply here to help you. Give us a call at 1-855-232-4888.

 

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International affiliate of the National Foundation for Credit Counseling.
Accredited as a charity with the Better Business Bureau.
Winner of the Consumer Choice Award in cities across Canada.

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