Greetings!
I used to own a property back in I would say 1991-92 which I had rented out. The tenants didn't pay for months, then I received a letter from the bank stating I can save the property from being sold if I paid X amount of dollars by Xdate. At the time it was too late, and couldn't pay it so the bank sold the house at a loss.
It may have been back in 2002 they contacted me for repayment which I was in no position to do so as I just left my marriage of 13 yrs, left with nothing but debt and had to stay with my mom to start over this is were they contacted me. I explained my financial situation and wasn't able to repay anything. They harassed for a while, but I explained every time the same. The calls stopped.
They put it in my credit bureau file, which I believe purged back in 2006.
Not heard from them till now. I just received this letter stating that I have an outstanding debt under the Act or Program: MIF Deficiency Judgments
Name of Department: Canada Mortgage & Housing Corporation
The program representatives have asked Revenue Canada to recover this debt from my income tax refund /gst that I am entitle to receive. The undersigned name was National Recoveries Centre Ottawa. Is this another tactic to scare me to pay or is this official?
Also, is there a time limit on which to collect? Or can this keep going. I checked my equifax report last month and there was nothing on there.
I need some guidance please. I have tried all day to contact rev.canada but I am unable to get through the line is always busy. I have also checked on the site "My Account" to see if there was anything flagged on there (nothing). I want to file my returns but now I am hesitant as they will just take it. What should I do?
What is MIF Deficiency Judgments? Is there a time frame for them to do this?
How do I verify if there is a judgment on me with Rev.Canada?
Is H & R block able to see if there is a judgment before filing my taxes?
Thanking you in advance, I await your response.
St.Catharines Ont
