Tax Refund? Wait for it.
The new Ontario Trillium Benefit program has delivered a major shock to anyone who is relying on their usual Income Tax refund to finance some specific debt, such as students, low income, March break, etc. You can re-do your tax form to your heart’s delight but you won’t have any idea where your refund money has disappeared to. Revenue Canada can’t help you either but to refer you to their provincial counterpart, and even they can’t explain how you will ever find out even when you start receiving this benefit in July sometime. I know this, I called.
Good luck with this and I hope your creditors will be compassionate.