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CERB Debt Repayment | Important Information You Must Know About

It’s taxation time, Canadians are starting to seek adviceguidance, and solutions on how to manage different types of consumer debts including money owed from the federal and provincial governmentCERB debt repayment can be one on your list and the earlier you seek a solution, the better prepared you can be.

If you are among the individuals who have received letters from CRA asking you to repay a portion or all of the emergency benefits received during COVID; read on to learn about the steps you can take if you are not able to pay or afford the repayment.

Know more about us and what we can do by clicking on the button below…

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

Canada Emergency Response Benefit (CERB) Repayment

CERB Debt Repayment

Below are scenarios that can result in being required to return the Canada Emergency Response Benefit you previously received from the government.

  • Your employment has resumed earlier than you have anticipated.
  • You received a salary from your employer during the benefit.
  • You received Employment Insurance and CRA benefits during the same period.
  • You were not eligible or qualified.

The reason behind this happening is that The Canadian Government has prioritized the process of approving the CERB applications deliberately. This resulted in an unknown amount of CERB given to individuals who may not be eligible to qualify for certain criteria and Canada Revenue Agency is now examining each case closely to see if repayment is required, a few months after the payments were issued to Canadians.

Canada Emergency Response Benefit (CERB) Repayment

Canada Emergency Response Benefit

It is overwhelming to learn that you need to repay CERB an unexpected debt, as most individuals can’t simply make a payment straight away, especially considering they needed the CERB in the first place. It is understood that CERB was intended to serve as a lifeline or short-term financial relief during the COVID-19 pandemic to cover primary expenses and household needs. However, it is no surprise that these funds were spent just a couple of months after it was received to cover the everyday needs of families affected by COVID19.

CRA has already started sending letters or notices on 31st of December 2020 requesting to ineligible individuals who received CERB to repay the same.

It is stated in their letter that:

  1. They will have flexible repayment options or payment arrangements but will depend on a case-to-case basis.
  2. They will not charge penalties or interests on repayments as this is an error made in good faith unlike other types of debt from the government.

If you received this letter from CRA stating that you need to repay the CERB amount you received but you are unable to repay in full amount immediately, you may need to contact CRA to discuss possible repayment options that you can sustain.

Contact CRA and discuss your payment arrangements with one of their representatives at 1-800-959-8281 (9 AM-5 PM – local time).

How Does CRA Collect Debt?

CRA Collect Debt

Unlike other creditors, Canada Revenue Agency is a powerful and forceful creditor that can quickly take immediate actions to collect unpaid debts.

Common steps that CRA can take to collect on your debt repayments could include:

  • Wage garnishment.
  • Tax Refund can be put on hold.
  • Freezing of bank accounts.
  • Possession or seizure of properties.

If you feel scared and stressed about the pressure of debt repayments especially the debt you owe from the government, understand that you are not alone – we can help.

We can help you negotiate payment options that will favor your situation and we will make sure to help avoid CRA legal actions against you.

CERB and Government-Approved Debt Solution

Government-Approved Debt Solution

Having over $10,000 worth of debt from CERB, Credit Cards, Personal Loans, Car Loans, Taxes, HST, 407, Household Bills, Payday Loans, and Student Loan can be very stressful and overwhelming, but there is help available – you are eligible to reduce your debt by up to 50%-75%.

With our government-approved debt relief program, your financial life can get back on track. Our expert debt consultants will help create a personalized debt consolidation program that will merge all your unsecured debt into a single and more affordable monthly payment.

There is no need to leave your home; get a free consultation and discuss your options in the comfort of your home via zoom or phone calls.

We helped thousands of Canadians get rid of debt without unwanted wage garnishments, property seizures, and painful process. This is a 100% painless process guaranteed; you can read hundreds of google reviews about us with 5-star ratings at this link.

Our Clients 5-Star Reviews

John Austin
John Austin
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“Britney was awesome. She was able to take care of all my debts and also add in a vehicle to it because I was paying way to much for it and Got me into something that I could afford and start saving. Thank you so much I have lots lifted off my shoulders now”
James Olmstead
James Olmstead
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“2 weeks ago I didn’t know where to turn my debts were more then i could handle at the time i thought about claiming bankrucpts for a 2nd time then I saw the ad for debt relief and decided to give it a shot I talked to Alicia and then she broke it down on what I would be paying once a month and I was almost tearing up and i couldn t stop thanking her for helping me with my debts and every time we talk i keep thanking her for what she has done for me it is a huge relief off my shoulders now and again Alicia MacDonald you are awesome thank you again”
Jennifer Chenier
Jennifer Chenier
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I was lost ... single mom... off due to Covid for 3 months .. did what it took to pay bills and look after my kids... and left with nothing but a tonne of debt I could not keep up with 😢. And then ....I met Connie.. Connie gave me my life back. The entire experience was like talking to my mother. She was full of compassion and knowledge and took me under her wing for this entire process. She turned tears into smiles and hope . She reassured me.. and made me feel like it was Going to be ok. I can’t thank her and the team (Paul) enough for helping me through this . I highly recommend National Debt Services to anyone looking for help with their debt . Start living again ❤️. Thanks Connie Jen

Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.


No contact details required to find out if you qualify

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.


This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

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See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

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