Unable to pay for individuals

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If you are unable to pay your debt right now or unable to pay it at all, contact the CRA to discuss your options.

Call us to discuss your options

Speak to a CRA agent to see if you can:

  • defer your repayment to a later date when you can afford to pay
  • start or make changes to a payment arrangement
  • discuss other ways to resolve your debt

Call within Canada and the U.S.

Give us a call or if you prefer, you can request an individual tax debt call.

Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 7 am to 8 pm (ET)
Saturday and Sunday Closed

Closed on public holidays

Other call options:
General enquiries (within Canada and the U.S.)

Individuals and non-resident trusts

Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 8 am to 8 pm (local time)
Saturday 9 am to 5 pm (local time)
Sunday Closed

Closed on public holidays

Part XIII and non-resident withholding accounts

Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 7:30 am to 8 pm (ET)
Saturday and Sunday Closed

Closed on public holidays

Teletypewriter (TTY) and alternate formats
Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 8 am to 8 pm (local time)
Saturday 9 am to 5 pm (local time)
Sunday Closed

Closed on public holidays

You can also request alternate formats and services for persons with disabilities.

Call from outside Canada and the U.S.

The CRA accepts collect calls by automated response. Contact your service provider or operator to initiate the collect call.

Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 7 am to 8 pm (ET)
Saturday and Sunday Closed

Closed on public holidays

Other call options:
General enquiries for those outside Canada and the U.S.

Individuals and non-resident trusts

Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 8 am to 8 pm (local time)
Saturday 9 am to 5 pm (local time)
Sunday Closed

Closed on public holidays

Part XIII and non-resident withholding accounts

Telephone number:
Hours:
Dedicated hours
Date Hours
Monday to Friday 7:30 am to 8 pm (ET)
Saturday and Sunday Closed

Closed on public holidays

Consequences of not paying

If you ignore your tax responsibilities and debt, or refuse to co-operate with the CRA to eliminate your debt, the CRA may take legal action.

For details: Consequences of not paying your personal tax debt

Other options if you cannot pay

Situation Summary More information
Taxpayer relief You may ask for relief from penalties and interest to reduce the amount you owe.

Taxpayer relief provisions
Insolvency or bankruptcy If you have no other financial options, you might consider insolvency or bankruptcy. Office of the superintendent of bankruptcy

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