Collection Practices
I run a small business that deals in residential, commercial and industrial construction. I have no employees. During my third and fourth years I got busy and then it died off to what is now, years later, only a trickle. At the end of my third year I paid the ‘owing’ taxes right away, but over the fourth year I had difficulties, and by the end of the fourth year I had nothing to pay the taxes with.
I claimed to the CRA, that there must be some mistake, and while I didn’t know then as much as I do now, which is still nothing, CRA stated everything was correct. How can this be? How can I work hard for a whole year just to have nothing left at the end of it? I asked CRA to verify this debt and all they send is a simple print-out with a total amount, void of any signatures, void of any accounting being shown.
Let me say this now: When anyone says you owe a debt and they don’t have firsthand knowledge of the debt, every time they are committing fraud…every time.
While I have never refused to pay taxes, I have required to be shown the full accounting and to receive a ‘proper’ Bill, signed under penalty of perjury. No agent, collecting for any corporation, will ever sign a Bill. They do not have firsthand knowledge of any debt you may or may not have. They know they are committing fraud. They may threaten you; they may come after you, but they will never ever sign a Bill. I have since ceased all reporting to CRA and have also ceased making any further payments until I get a Bill, signed. In other words, I no longer wish for Social Insurance benefits and wish to cease all contracting with CRA. I will pay any amount they say I owe them, as soon as I get a Bill, signed. I also required a copy of the contract I have with the CRA which allows them to bend me over anytime they wish. They do not reply to any letter I send them.
Let me give you an example:
• I loan you $500 and we agree that you pay me back within one year
• one year later I come around to collect
• you say, honorably so, that you require of me to make out a ‘proper’ Bill and detail the amount owed and sign it—Now, some might think this is a trick or being dishonorable because the loaner doesn’t want to pay the debt, however, what if you forgot how much you borrowed or think maybe you are being scammed? There is nothing wrong or dishonorable in requiring a Bill signed under penalty of perjury. If I to refuse to make out a Bill and instead decided to take you to court, I would lose because I am not willing to claim the debt is ‘true’ by signing a Bill. The man or woman acting as judge would throw the case out. If I did sign the Bill but lied upon it for the amount owing, I could spend much time in prison for that. On the other hand, if I do present you a Bill, signed, you are now obligated to pay, because now, were we to go to court over the matter, I would win.
So, Canada Revenue Agency is saying I owe about $80,000, but will not provide a Bill, signed; detailing the accounting of such Bill, and providing a copy of the contract we have together. They are certainly committing fraud because none of these CRA agents have any clue about my debt; they do not possess firsthand knowledge. Because of the letters I have sent over the past few years to CRA, I do not believe they will move against me directly as I own no property (land, home or anything valuable). Instead what they do is creep around, find and go after any of my customers whereby I charged a goods and services tax to, linking that customer to CRA. They then inform my customers that I have an outstanding debt with the CRA and that the customer is to garnish my invoices. They provide sensitive information like the social insurance number to my customers, who have no business knowing that number. Likewise, they don’t just say I owe a debt, they list the amount. That is defamation, as my reputation is destroyed in my industry as of now. Let me tell you, not a single one of my customers will do business with me now while the garnishment is active, as they do not want to hassle. Likely, they don’t want to be sued either. Yes, apparently you can sue an employer or bank of anyone who gives your property to another without your consent.
Consider this:
• you lend me your car
• at a red light, CRA agents approach the car and ask me to turn your car (property) over to them, because, they say, you owe them money
Now, do you want me to:
A: give them your car (property) right there on the spot, or
B: say to the CRA agents that this car (property) was loaned to me and I do not have any right to give it to anyone but the owner. I will return it to the owner and you can deal with them directly.
The answer I always get is “B”. So, consider that the next time you garnish someone’s pay or give someone else’s information out to anyone else without that someone’s consent. Anybody knowledgeable enough with law and courts could sue you.
So:
• the CRA has not responded to any requirement I have presented to them to prove the debt is true
• the CRA has and continues to bully, by threat and extorsion, my customers to garnish my property, unlawfully
• the CRA has shared sensitive information pertaining to my account with them and has disclosed personal information, which has resulted in my reputation being ruined
• i have written a letter to Diane Lebouthiller, a woman who acts as Minister of Revenue, a detailed two-page letter, sent out middle of last April, asking basically the same things as before; no reply as of yet.
If someone says you owe them a debt but won’t prove it, how do they have grounds to move against you in leu of any contract or consent?
Why are these agents and corporations getting away with this practice?
How can one party take from another party without due course of law?
My opinion on this is simple; we are corrupt. My solution is simple:
• fire every single politician in Canada, from high to low—they are all in on it and consider themselves your superior, talk to enough of them and you will see it and hear it in their voices. You need to be responsible for yourself, not some actor in Ottawa, who does not care about you one bit
• fire every single judge in Canada, from high to low—these people keep you from accessing YOUR court system in a way that would benefit you when you are harmed or incur loss; so that you may be able to defend your rights, instead they want to use a lawyer to access the courts; the lawyers first duty is to the British Bar Association, then the Government of Canada, then you; many instances these judges and courts are acting privately but access YOUR public buildings to take away YOUR property
• fire every single lawyer or attorney in Canada working under the Government of Canada—these people along with the judges keep us slaves to their system
• remove all private banks from Canada and restore our public Bank of Canada—Iceland did this and immediately their economy flourished. It was Pierre Trudeau who turned Canada’s public bank over to the central bankers and that resulted in our national debt increasing many folds overnight; now his son; Justin, acts as Prime Minister
• kick the British Monarchy out of Canada—Why do we have pictures of Elizabeth Windsor, from England upon our Canadian currency? Her family rules Canada along with major corporations
• dismantle and remove all large and foreign corporations from Canada—we as Canadians should be in charge of our own telecommunications and not allow private corporations with their own agendas such control over such a powerful tool; likewise, we should be handling our national resources ourselves, not allowing private corporations to do as they wish
• strictly limit or completely absolve all global trade with Canada—trade makes you weak, it takes jobs away and profits another, probably not a Canadian and if a Canadian does profit it will be the head of a large corporation or a politician or judge; Uranium City, northern Saskatchewan; home of the largest and richest supply of uranium on Earth—seriously, much of the worlds supply of uranium used for the construction of nuclear warheads came from Canada
• stop trading with countries like China—mostly everything you wear of buy was made by a slave…are you OK with that? I would rather pay many times more in cost to have something quality, made in my country, than cheap crap from a country that is OK with slavery
• start writing letters and demanding your share of our resources that we allow big corporations to exploit and profit from—provinces like Manitoba, Ontario or Quebec all produce enormous amounts of electricity and they all sell it to places like the northeastern United States; in many instances Canadians are subsidizing Americans for electricity costs, yet Canadians are in most cases paying more than the Americans for this electricity; not only are Canadians being ripped off for the sale of their national resource, they are still having to pay for it and usually more than it is sold internationally for
You are a slave as long as you think any one has control over you.
• the only reason a cop can pull you over is because you consented when you got a license
• the only reason the CRA knows who you are is because you went and applied for social insurance
If Walmart (a private corporation) sent you a ticket in the mail for speeding on a public road, what would you do?
If the police (private corporation) in your city (another private corporation) sent you a ticket in the mail for speeding on a public road, what would you do?
Below is the letter I recently sent to Diane Lebouthiller, a woman who acts as Minister of National Revenue. I sent it registered mail about April 15, 2019; no reply as of yet. I have removed my personal information from the top and my name and signature from the bottom. When ever you write a letter, unless it’s to Grandma, always, always, always keep the original you created and make a copy and send the copy and mark it as “copy” upon said letter.
Diane Lebouthiller
c/o Minister of National Revenue
7th Floor, 555 Mackenzie Avenue
Ottawa, ON, K1A 0L5
Re: Canada Revenue Agency: collection practices
Greetings Diane,
Agent(s) of Canada Revenue Agency are preventing me from pursuing my livelihood. A garnishment has been placed upon all my work pertaining to one of my customers. As it so happens, this customer makes up much of my work and because this customer would rather have nothing to do with this garnishment process, they have decided to cease any contracting with me effective: March 17, 2019; at this time, only one invoice is owing to i. This is a blow for me as i am now unable to provide the basic amenities for myself, like food and communications and rent and fuel, and am now a burden to those around me.
i have sent letters to agent(s) of Canada Revenue Agency multiple times, requiring them to provide a Bill, signed under penalty of perjury; i have required a copy of the contract i have with Canada Revenue Agency, showing how i am bound to them; i have also required letter(s) of delegated authority and i have received none of these things.
A curious note: on a phone call with Mary Borgens, collection agent for Red Deer, Alberta, Canada Revenue Tax Service Center on March 19, 2019; Mary claims there is no contract between Canada Revenue Agency and i.
At this time, i require the removal of this garnishment upon my work, until such time as a proper Bill is presented to i, signed under penalty of perjury, showing a complete accounting; that i may be able to pursue my livelihood. Canadian Bill of Rights: section 1(a) “the right of the individual to life, liberty, security of the person and enjoyment of property, and the right not to be deprived thereof except by due course of law;”
Provided, i am able to return to servicing said customer; whereas, presuming, they are willing to do business with me again, i will forgive all trespasses upon my property.
For if ye forgive men their trespasses, your heavenly Father will also forgive you:
But if ye forgive not men their trespasses, neither will your Father forgive your trespasses.
-Matthew 6:14, 15
Questions:
1. Why won’t agent(s) of Canada Revenue Agency present me with a proper Bill, signed under penalty of perjury?
i presume, because they do not wish to be liable for making claims without having firsthand knowledge.
2. How can agent(s) of Canada Revenue Agency so casually give out private information? Can you please explain to me how this is a proper practice that doesn’t cause harm to me by way of reputation?
example: please see attached copy of “[r]equirement to pay”; agent(s) of Canada Revenue Agency provided my customer not only the social insurance number i use but the amount they say i owe. Alerting my customer about a garnishment is one thing, sharing sensitive, private information is another!
3. This “[r]equirement to pay” letter was sent to my customer before i received a copy. Yet, this letter came out of Alberta, while i am in Manitoba and my customer’s head office is in Ontario. Based on simple reasoning and logic alone, i should have received a copy first. My customer (in Ontario) received a copy March 12, 2019, yet i received a copy March 17, 2019. Why did agent(s) of Canada Revenue Agency send this “[r]equirement to pay” to my customer before me?
4. Please see the attached copy of “[r]equirement to pay”; the signature is illegible. Mary Borgens, during our phone call March 19, 2019, claimed she did not sign the “[r]equirement to pay” letter and when i asked her who signed it, Mary said, it doesn’t matter and would not give me the name of the signee. Let me say to you, Diane, it does matter to me, because the agent who signed it is liable for it. Do you, Diane, maintain that the bearer of such signature is of no importance? i require the name of the agent that signed “[r]equirement to pay” letter.
5. During the phone call with Mary Borgens on March 17, 2019, Mary said, Canada Revenue Agency and i, have no contract. If this is true, why are they contacting me? What is there to talk about if there is no contract?
6. Diane, it seems pretty clear to me that by these specific actions taken by agent(s) of Canada Revenue Agency, they are more interested in destroying my livelihood than trying to collect on an alleged debt. Do you think it has something to do with requiring a proper Bill? Do you condone the practices i have shown you here? When someone is unwilling to provide a proper Bill, signed under penalty of perjury, do they still have a right to collect? i do know from personal experience, in court, a Bill must be provided when required and failing that, there is no debt.
7. Diane, can you please notify me by mail when the garnishment is lifted so i may approach my ex-customer and attempt to reestablish a relationship again?
-END OF LETTER-
Now, do you believe that Diane is duty bound to respond to me? Do you believe she must either remove the garnishment as outlined in the above letter or enforce action against me after proving the debt is true or simply abandon her office?
These people won't stop controlling you and taking your property from you unless you bite their hands when they reach out to take it. As long as no one wants to educate themselves, then they will continue to submit themselves to another authority. 10% (if that) of Canadians cannot free the rest.
Understanding how to take legal action against these people is what I am trying to obtain. My livelihood has been interfered with; my ability to earn a living and provide for myself has been taken away; my reputation has been irreparably ruined; and I cannot get these people (agents of CRA) to respond to even one single letter. I fully doubt that Diane will respond whatsoever.
It is time we all learned how to rule ourselves in a manner that benefits ourselves and our neighbors, thus our country, and stop and prevent further corrupt people from obtaining powerful positions that compromise our freedoms. This is our land, why are we allowing private corporations who give nothing back to take it all for pennies on the dollar?
