What happens if you don’t file your taxes (and how to fix it) Mar 27th

For one woman, “soon” turned into 14 years. She had worked at the same job for over 20 years, with regular deductions taken from her paycheques. But after becoming overwhelmed by the tax process, she stopped filing altogether. What began as a single missed return became years of unfiled taxes—something that felt harder to face with time.

As a non-profit credit counselling agency, we at Credit Canada often see how easily this can happen. One missed return can quickly turn into several, creating stress around something that once felt routine. This woman came to us through our financial coaching program, Credit Canada GOLD, where she was supported in gathering her documents and catching up on her filings. In the end, she received a refund of $18,484 (money she hadn’t realized she was owed) and used it to pay down a significant portion of her debt…