[roses4me]

How it happened:

1) I have an anxiety disorder and depression. I am involved in several court cases which cause extreme pain and avoidance issues.

2) I haven't been able to file my income tax for the past 4 years because just thinking about it makes the pain from the trials surface and I can't move. What makes the matter worse is that I have self-employment income and when I moved a couple of years ago, one of the movers put receipts for work in the same box as court documents (he thought he was saving space) so sorting work receipts meant seeing court documents.

3) Because I knew I wouldn't be able to file, I met with a financial advisor at the bank to determine how much money I needed to put in an rrsp so that I wouldn't owe anything and in fact would receive a refund. Hence, I don't owe anything . I just haven't files my taxes.

4) Where I live , I have to file two returns one with the province and one federal.

5) The provincial gov't decided I owed $4 000 for one taxation year. I spoke to someone at the federal agency and they said I owed $400 and when I said I had rrsp contributions, she said that I would have a refund. I sent a letter to the province explaining and they sent a letter but commenced collection proceedings.

6) The province garnished my wages and the stress caused me to lose my job. I was on sick leave for 3 months during which I was able to make some progress legally and with the taxes. After three months I was obliged to return to work.

7) the province garnished my wages and I lost my job

8) The province seized my rrsps and locked my bank account

9) I spoke to a professional who has advised me that as I don't have the ability to actually file, my only option is to declare bankruptcy.

I have estimated that I will lose approximately $18 000 in seized rrsps and refunds that I will never receive.

The plus side is that I can go on disability. I will have no more stress from the revenue agencies and can use my energy to deal with the court cases. It is my plan to stay on disability until court is finished and I can manage my anxiety and depression issues which in effect have been there since adolescence.

financially, my retirement does not look good. But maybe I will win some peace.

roses

[roses4me]

PS I had thought that rrsps were sheltered from bankruptcy but it appears that that is only the case if another person's name is on the rrsp too. If I ever have another rrsp, my boyfriend's name will be on it too. Better he get it than the state
roses

[roses4me]

I am so burned out, frustrated, and no able to concentrate at all.
This morning I went onto the ministry's website to try to find out a director's name to make a complaint about the person who didn't process mmy complaint.
In the complaint section, it stated that the complaint didn't have the power to do anything at all.
I have to file SEVERAL forms. One for each problem. I found the list of forms. But when I clicked on any form, I got a description of the form but not the form.
You would have to be a lawyer just to decipher the website.
They make it so you can't object to a decision or action
However, I did get member of goverment's address and phone number and his office is in my neighbourhood, so I guess I go there next
roses

[disguise123]

you poor thing, what a horrible thing to happen. I too struggle to deal with getting my tax done, sometimes just buying milk is a struggle!
I hope life gets easier for you. .

[Elana05]

(((roses4me)))
Just thinking of you today. You are facing it and that is very brave. Be gentle with yourself and do whatever you can each day. Many supportive thoughts your way.

[Ambrosa]

So Sorry to hear what is going on in your life atm Roses. I have no advise for any of that but I do support you and will be here to listen and talk when ever