CRA Collections 2025 — Stop Wage Garnishment, Bank Freezes, And Property Seizures

When the Canada Revenue Agency (CRA) or Revenu Québec starts collections, it’s no longer a warning—it’s enforcement. In 2025, CRA’s collection system is fully automated, giving agents the power to freeze your bank accounts, intercept your income, and seize property without a court order. Once this happens, your financial life can spiral fast. But with the right strategy and professional representation, you can stop it immediately.

Most taxpayers panic or ignore CRA letters, hoping the problem will disappear—it won’t. The CRA doesn’t negotiate on emotion; it responds to evidence, structure, and compliance. That’s where Mackisen’s expertise makes all the difference. We step in fast to stop collection actions, negotiate payment solutions, and protect your financial stability before it’s too late.

At Mackisen CPA Auditors Montreal, we specialize in defending individuals and businesses from aggressive CRA and Revenu Québec collection actions. Our auditors, tax lawyers, and financial specialists work together to protect your income, resolve your debt, and restore peace of mind—legally and efficiently.

Legal and Regulatory Framework

Income Tax Act (Canada)
Section 222: Grants CRA legal authority to collect unpaid tax debts.
Section 225.1: Allows CRA to issue Requirements to Pay (RTP)—orders sent to employers, banks, or clients to seize funds.
Section 161(1): Interest compounds daily until the debt is cleared or relief is granted.
Section 220(3.1): Provides for penalty and interest relief under the Taxpayer Relief Program.

Tax Administration Act (Quebec)
Revenu Québec has parallel enforcement powers to garnish wages, freeze accounts, and file property liens for unpaid provincial taxes.

Mackisen acts as your direct representative with both agencies—filing appeals, stopping garnishments, and negotiating structured resolutions before legal escalation.

Key Court Decisions

Jordan v. The Queen (2009): CRA interest continues to accrue until full payment or relief approval.
Venne v. The Queen (1984): CRA’s right to collect is enforceable as a legal debt.
Guindon v. Canada (2015): Penalties are legally valid until successfully challenged through objection or relief application.

These rulings confirm that CRA collections are lawful—but they can be paused, reduced, or reversed with proper legal and financial intervention.

Why CRA Collections Are So Dangerous

Once your tax debt reaches CRA Collections, enforcement becomes immediate and aggressive. CRA agents have wide-reaching powers—far beyond what any private creditor possesses. They can:

• Freeze your bank account without notice.

• Garnish up to 50% of your wages directly from your employer.

• Seize your business income or client payments.

• Register a lien on your home or property.

• Intercept government benefits (GST/HST credit, tax refunds, or OAS payments).

Ignoring these actions only worsens the outcome. The CRA does not need court approval—it acts under federal law.

Mackisen’s CRA Collections Defense and Recovery Strategy

1. Immediate Intervention: Contact CRA and Revenu Québec on your behalf to stop or suspend collection actions within hours.

2. Debt Verification: Review your account to confirm the accuracy of CRA’s assessed balance.

3. Negotiated Payment Plan: Develop a legally compliant installment agreement that fits your budget.

4. Relief and Adjustment: File for penalty and interest relief where hardship or error applies.

5. Long-Term Compliance: Rebuild tax filings and ensure future taxes are filed on time to prevent recurrence.

Mackisen’s expertise allows us to achieve what most taxpayers can’t alone—stopping CRA in its tracks.

Real Client Experience

A Montreal contractor woke up to find his business account frozen due to unpaid GST/HST. Mackisen intervened the same day, secured an immediate release, and negotiated a payment plan with CRA collections—saving the business from collapse.
A self-employed designer faced wage garnishment for $32,000 in unpaid taxes. Mackisen presented financial hardship evidence, stopped the garnishment, and secured interest relief approval within eight weeks.

Common Questions

Can CRA freeze my bank account without warning? Yes—but Mackisen can contact CRA to lift the freeze within days once a payment plan is established.
Will CRA take my house? They can register a lien, but Mackisen can negotiate repayment or relief before property seizure occurs.
Can CRA collect from my spouse or business partner? In some cases, yes. We protect family and business assets through strategic representation.
How do I stop CRA collections? Contact Mackisen immediately—we’ll take over communication, halt enforcement, and develop a compliant resolution plan.

Why Mackisen

At Mackisen CPA Auditors Montreal, we defend your livelihood from government overreach. We act fast, decisively, and with deep knowledge of CRA procedures to stop collections before they destroy your finances. Our clients trust us because we’ve protected hundreds of individuals and businesses from garnishments, freezes, and liens—often within 24 hours.

We blend legal precision, strategic negotiation, and genuine compassion to help you regain control of your financial life. When CRA comes after you, we stand between you and them—firmly.

Call Mackisen CPA Auditors Montreal today for your 2025 CRA Collections Defense Consultation. The first meeting is free, and your protection begins immediately.