Arrange to pay your personal debt over time
If you cannot pay your debt in full, the CRA can help you set up a payment arrangement. A payment arrangement is an agreement with the CRA to pay your balance in several regular payments over a period of time.
Set up a payment arrangement
If you owe an amount to the CRA, we will work with you to find the best way to pay your debt through a payment arrangement.
Steps to help you set up an arrangement
Calculate your monthly income and expenses
Use the personal income and expense worksheet to determine what you can afford to pay on a regular basis.
Determine how much you can afford to pay
Enter the following in the payment arrangement calculator:
- your debt amount
- frequency of your payments
- interest rate (enter 0% interest for COVID-19 benefit overpayments for individuals)
- amount per payment or the number of payments
This will calculate the date when you will finish paying your debt and your estimated interest charged.
Call the CRA to set up your payment arrangement
You must call to set up a payment arrangement:
Automated TeleArrangement service
- Telephone number:
Dedicated hours Date Hours Monday to Friday 7 am to 10 pm (ET) Saturday and Sunday Closed
Closed on public holidays
Start your payment arrangement
To start your payment arrangement, you need to make your first payment towards your debt.
You must continue to make payments on the agreed upon dates in your payment arrangement and file all future tax returns on time. Your payment arrangement may be reviewed periodically.
For options, go to make a payment.
Even if you have a payment arrangement and are making payments, the CRA is authorized to take amounts from benefits or credits you receive when you have a debt.
Adjust your payment arrangement
Failure to do this may cause the CRA to proceed with legal actions to collect the balance you owe.
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