Independent · Canadian rules and data only · Reviewed November 3, 2026

    4 min
    Taxes

    Behind on your taxes by seven or more years: what to do

    Quick summary

    Being behind by seven or more years is common and can be fixed. The main step is to file the missing returns, oldest first, then deal with any balance. Start with thelate-filing penalty rules.

    Checked November 3, 2026. Main source: CRA: Late-filing penalty (modified Jan. 20, 2026). See all 4 sources.

    If you are behind 7 or more years

    • The CRA Non-Filer page gives no set cut-off for how far back it can ask for returns. Do not assume older years are safe.
    • Gather your slips. Many slips for recent years are available in CRA My Account. Older years may need other records.
    • Talk with a tax professional before you file several years at once.
    • Ask about relief for the last 10 years. If the total is too large to repay, talk with a Licensed Insolvency Trustee.

    Every situation

    • File the oldest year first.
    • Ask for a payment arrangement if you cannot pay.
    • Ask for relief on penalties and interest if you qualify.
    • Use free help before you pay a stranger.

    Free help

    • CRA Non-Filer helpline: 1-800-448-0444, Monday to Friday, 6:45 am to 7:30 pm Eastern.
    • CRA TeleArrangement for personal income tax debt: 1-866-256-1147, Monday to Friday, 7 am to 10 pm Eastern.
    • Free tax clinics for simple returns if your income is modest.
    • A Licensed Insolvency Trustee, who may offer a free first meeting.

    Questions people ask

    Which year do I file first?

    File the oldest missing year first, then work forward.

    Will I owe a penalty if I am owed a refund?

    The late-filing penalty applies to a balance owing. Filing late can still delay benefits and credits.