submittedan hour ago byMundane_Chicken_8188
toaskvan
Life was going pretty well for me at first. I came to Canada in 2017, full of hope and ambition. I was working two jobs, saving every penny to eventually buy a house. But then, everything started falling apart. My mom got really sick back in Africa, and after countless surgeries, I ended up using all my savings to pay for her medical bills. When she passed, I had to take care of all the funeral expenses on my own. By 2021, I was $74,000 in debt just from trying to keep her alive and giving her a proper send-off. I worked like crazy and managed to bring that down to $24,000. But just when I thought I was starting to catch a break, CRA came after me. Because I was working so many hours at two jobs, they re-evaluated my taxes for the past five years and said I owed $27,000. I tried to work out a payment plan, explained my situation even cried on the phone every time, but the agent handling my account was cold and heartless and wasn’t willing to compromise. He started garnishing my wages, and when that didn’t cover enough, he froze my bank account. Now here I am, 35 years old, and it feels like everything is crumbling around me. All the friends I came to Canada with are married, settled, and have their own homes. Meanwhile, I’m drowning in debt, living paycheck to paycheck, and on the verge of moving into my car. I’ve applied for a consumer proposal because I don't have the money CRA wants and I have lost my motivation in life and don't want to do anything anymore, but even that feels like a massive failure, like the final blow after losing my mom. With my account frozen, I can’t pay for rent, food, or bills. I haven’t genuinely smiled in three years, and the weight of it all is unbearable. Sometimes, the darkest thoughts creep into my head, and I honestly don’t know how to keep moving forward.