Catch-Up Tax Filing in Mississauga, ON
Catch-up tax filing brings unfiled T1 personal and T2 corporate tax returns up to date with the CRA. Adian Professional Corporation helps individuals and CCPC owners in Mississauga who are one, five or ten years behind, rebuilding missing records, deciding whether the Voluntary Disclosures Program applies and filing oldest year first at a fixed fee. Penalties stop growing once you file. Read haven’t filed taxes in years or see our T2 corporate tax service.
Who Is Catch-Up Tax Filing For?
It is for anyone with one late T1 or a decade of unfiled returns, owners with late T2 corporate returns, owners behind both personally and corporately (the T2 comes first), anyone holding a CRA demand to file, and anyone who has stopped opening CRA mail. We will not ask why your returns are late. We serve individuals and CCPCs in Mississauga, Meadowvale, Streetsville, Churchill Meadows and Brampton. You need CRA My Account or My Business Account access before we start. US, cross-border and Quebec returns are outside our scope.
What Happens If You Keep Waiting?
- Late filing penalty: 5% of the balance owing plus 1% per full month, up to 12 months
- Repeat penalty: 10% plus 2% per month, up to 20 months, after a demand to file and a prior penalty within three years
- Interest: charged at the CRA prescribed rate, compounded daily on tax and penalties
- Arbitrary assessment: under subsection 152(7), the CRA can estimate your income with no deductions, leading to garnishment, bank holds or liens
- Lost benefits: the Canada Child Benefit, GST/HST credit, OAS, GIS and Ontario credits stop without filed returns
How Does Our Catch-Up Filing Process Work?
- Free 30-minute scoping call to identify outstanding years, demands and assessments
- CRA authorization to see unfiled years, slips, instalments and balances already on file
- Rebuilding the record from bank statements, accounting files, invoices and prior returns, with documented estimates where needed
- Filing strategy to decide on the Voluntary Disclosures Program before anything is filed
- Preparation and filing, oldest year first, so losses, RRSP room and balances carry forward correctly
- Assessment cleanup through filed returns, a CRA payment plan or a taxpayer relief request
Where complete information is supplied, draft personal returns have been delivered in under two weeks and up to eight years of corporate returns in under four weeks.
Does the Voluntary Disclosures Program Apply to You?
Since October 1, 2025, unprompted disclosures can receive 100% penalty relief and 75% interest relief, and prompted disclosures up to 100% penalty relief and 25% interest relief, with protection from prosecution. A demand to file usually moves you to the prompted category but does not close the program. Only an audit or investigation does.
Frequently Asked Questions
How many years back can I file my taxes in Canada?
There is no limit on filing required returns, and any return under a CRA demand must be filed regardless of age. The CRA will not issue refunds from adjustment requests beyond 10 calendar years.
What if I cannot pay the taxes I owe?
File anyway. Late filing penalties grow every month whether or not you can pay. The CRA offers payment arrangements, and taxpayer relief may be available for serious illness or financial hardship.
Can you go to jail for not filing taxes in Canada?
Failure to file is an offence under section 238 of the Income Tax Act, with fines of $1,000 to $25,000 and up to 12 months in prison. An accepted voluntary disclosure protects against prosecution. Read can you go to jail for not paying taxes in Canada.
Do I need all my old receipts and records?
No. Once authorized, we retrieve the slips the CRA already holds and combine them with bank statements and accounting files. Missing records slow the process down but do not stop it.
How much does catch-up tax filing cost?
Fees are fixed per year and per return type and confirmed in writing, so you know the total before we start. If the scope changes, we pause and re-quote. Ongoing filing is available through our service packages.
Book Your Free Scoping Call
Call 647-715-2156, email purvish@adian.ca or book a free 30-minute call with an experienced CPA in Mississauga. Have your CRA online access ready.
Start With a Call
If you are behind on filing, the next step is a 30-minute scoping call at no charge. Have your CRA online access ready. We will tell you which years are outstanding, whether the Voluntary Disclosures Program is worth pursuing, what the likely exposure looks like, and what the fixed fee would be. You decide after that.
No judgement, and no obligation.
Note on Currency of Information
All CRA rules, penalty rates, interest rates and statutory references in this copy are current as of August 2026, and are drawn from CRA and Department of Justice sources:
– Late-filing penalties (T1 and T2), including the repeat penalty after a demand to file — CRA; Income Tax Act s. 162(1) and s. 162(2)
– Prescribed interest rate of 7% on overdue taxes — CRA prescribed interest rates, third calendar quarter of 2026 (July 1 to September 30, 2026)
– Arbitrary assessment authority — Income Tax Act s. 152(7)
– Failure-to-file offence, $1,000 to $25,000 fine and up to 12 months — Income Tax Act s. 238(1)
– Voluntary Disclosures Program relief levels, eligibility conditions and exclusions — CRA Information Circular IC00-1R7, in effect from October 1, 2025
– 10-calendar-year limit on refunds from adjustment requests — CRA