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:
- 1-888-863-8657
- 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:
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General enquiries (within Canada and the U.S.)
Individuals and non-resident trusts
- Telephone number:
- 1-800-959-8281
- 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:
- 1-855-284-5946
- 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:
- 1-800-665-0354
- 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:
- 613-221-3002
- 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:
- 613-940-8495
- 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:
- 613-940-8499
- 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 | In some circumstances, you may ask for relief from penalties and interest, and reduce the amount you owe | Cancel or waive penalties or interest |
| 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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