Behind on Your Taxes? We Can Help — Confidentially.
Many Mississauga individuals and business owners find themselves in a situation where one missed tax return leads to two, then three — until catching up feels overwhelming. Whether you missed a year due to illness, financial difficulty, a life event, or simply lost track, Accountants Mississauga by BOMCAS Canada provides a non-judgmental, professional solution for getting your taxes back on track with the CRA.
Our Mississauga late and back tax filing specialists handle everything from a single overdue return to a decade of unfiled returns — for individuals, self-employed workers, and incorporated businesses across Ontario.
You Are Not Alone
Thousands of Canadians file late returns every year. CRA's goal is to collect taxes owed — not to criminalize. Acting proactively, before CRA contacts you, is always the best approach and can dramatically reduce penalties and interest through programs like the Voluntary Disclosure Program (VDP).
Who We Help With Late Tax Filing in Mississauga
- Individuals with one or more years of unfiled personal tax (T1) returns
- Self-employed and freelancers with unreported business income
- Incorporated businesses with overdue T2 corporate tax returns
- Landlords who have not reported rental income properly
- Newcomers to Canada unsure of their Canadian tax filing obligations
- Estates requiring terminal returns and prior unfiled years
- Individuals with unreported foreign income or foreign assets (T1135)
- Anyone with CRA debt, frozen accounts, or CRA garnishment notices
Our Late & Back Tax Filing Services in Mississauga
Multi-Year Personal Tax (T1) Filing
Preparation and filing of multiple years of personal income tax returns, claiming all eligible deductions, credits, and RRSP/TFSA adjustments for the prior years. We ensure you receive any refunds owed.
Multi-Year Corporate Tax (T2) Filing
Preparation of overdue T2 corporate income tax returns for Mississauga businesses, including financial statements, schedules and all supporting documentation required by CRA.
CRA Penalty Relief Applications
Formal Taxpayer Relief applications requesting CRA to waive or cancel accumulated late-filing penalties and interest due to financial hardship, illness, or other extenuating circumstances.
Voluntary Disclosure Program (VDP)
Strategic VDP application preparation to come forward proactively — potentially eliminating failure-to-file penalties and obtaining partial interest relief before CRA initiates contact or enforcement.
CRA Negotiation & Payment Arrangements
Negotiation with CRA Collections to set up affordable payment arrangements on outstanding tax balances, preventing aggressive collection action including wage garnishment and bank account freezes.
Overdue GST/HST Return Filing
Filing of overdue GST/HST returns for Mississauga businesses to bring your account current with CRA and minimize accruing penalties and interest on the outstanding balance.
Overdue Payroll Returns
Filing of overdue payroll remittances, T4 amendments, and payroll returns for Mississauga employers, with CRA negotiation to address accumulated employer payroll penalties.
CRA Collections Representation
Representation before CRA Collections when enforcement action is threatened or underway — including responding to Requirements to Pay (garnishment), lien removal, and account holds.
CRA Late Filing Penalties – What You Could Be Facing
| Situation | Penalty | Additional Interest |
|---|---|---|
| Personal T1 filed late (balance owing) | 5% of balance + 1%/month (up to 12 months) | Daily compound interest at CRA prescribed rate |
| Repeat late filing (within 3 years) | 10% of balance + 2%/month (up to 20 months) | Daily compound interest |
| Corporate T2 filed late (balance owing) | 5% of balance + 1%/month (up to 12 months) | Daily compound interest |
| GST/HST return filed late | 1% of balance + 25%/12 per month (up to 12 months) | Daily compound interest |
| Payroll remittance late (up to 3 days) | 3% of amount overdue | Separate interest charges |
| Payroll remittance late (4–7 days) | 5–7% of amount overdue | Separate interest charges |
The sooner you act, the less you owe. Every day of delay adds more interest to your CRA balance. Our Mississauga late tax filing team can get your returns filed quickly and professionally.
Why Choose Accountants Mississauga for Late Tax Filing?
- 100% confidential — we never judge, we just solve the problem
- CPA-qualified tax professionals with deep CRA process knowledge
- Multi-year filing experience — from 1 year to 15+ years of back taxes
- VDP and Taxpayer Relief specialists
- CRA negotiation expertise — payment plans, lien releases, penalty waivers
- Serving Mississauga, GTA and all of Ontario in person and virtually
- Fast turnaround — we understand CRA time pressure
FAQs – Late & Back Tax Filing Mississauga
If you have not filed tax returns for one or more years, CRA may eventually file a "notional" return on your behalf (called a "Director Assessment") estimating your income without credits or deductions — resulting in a very high tax bill. CRA can also impose failure-to-file penalties of 5% of the balance owing plus 1% per month for up to 12 months (doubled for repeat failures). Interest compounds daily. Our Mississauga late tax filing specialists will catch up all your returns strategically, minimizing penalties and maximizing refunds.
Yes. Our Mississauga accountants can apply for CRA penalty relief through the Taxpayer Relief (Fairness) Program. We can also file through the Voluntary Disclosure Program (VDP), which — if you qualify — can eliminate or significantly reduce penalties and partial interest on unfiled returns. Acting before CRA contacts you is key to accessing VDP relief.
There is no statute of limitations on unfiled tax returns — CRA can require you to file a return for any year going back indefinitely. However, CRA typically focuses on the most recent 10 years when processing late returns voluntarily submitted through the VDP. Our Mississauga tax specialists will assess your full situation and advise on the optimal years to file.
If you owe taxes and cannot pay the full amount immediately, CRA can set up a payment arrangement (instalment plan). Our Mississauga accountants negotiate favourable payment arrangements with CRA on your behalf, and can apply for interest relief in cases of financial hardship. It is always better to file the return even if you cannot pay — failure-to-file penalties are separate from, and in addition to, interest on unpaid balances.
The CRA Voluntary Disclosure Program (VDP) allows taxpayers to come forward proactively to correct past tax errors or omissions — including unfiled returns, unreported income, or undisclosed foreign assets — before CRA contacts them. Successful VDP applications can eliminate failure-to-file penalties and provide partial interest relief. Qualifying conditions include: disclosure must be voluntary (CRA has not already contacted you), complete (all relevant years included), and involve a penalty. Our Mississauga VDP specialists prepare and submit applications that meet CRA requirements.
Related Services
CRA Audit Representation Mississauga
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Learn MoreCorporate Tax Accountant Mississauga
Learn MoreGST/HST Filing Mississauga
Learn MoreTax Planning Services Mississauga
Learn MoreNearby Locations We Serve
Start the Process — Confidential Late Tax Filing Help
Taking the first step is the hardest part. Contact Accountants Mississauga by BOMCAS Canada today for a confidential, no-judgment consultation about your late tax situation. We are here to help you resolve this and move forward.