Behind on Taxes? You’re Safe Here.
Compassionate help for Canadians who are 5-10 years behind in filing, especially if you’re self-employed, overwhelmed, ADHD, avoidant, or scared to open CRA mail.
You’re years behind on taxes and don’t know where to start.
You avoid CRA mail, email, and phone calls because you’re scared.
You’re afraid of being judged, shamed, or talked down to.
You feel embarrassed about missing so many years.
Your ADHD/Neurodivergent brain shuts down with paperwork and forms.
Your finances feel messy and you don’t know what documents you need.
You worry that fixing this will be too expensive or complicated.
You’re recently divorced, and realizing taxes are a part of adult life you never learned.
You’re self-employed and haven’t filed because it all feels too overwhelming.
You freeze every time you TRY to start - even when you WANT to.
You’re terrified you’ll owe money you can’t afford to pay.
You’ve been hiding this from your partner, family, or friends.
You’ve lost track of what years you filed and which ones you didn’t.
You think CRA might penalize you, garnish your wages, or freeze your account.
You feel like a “bad Canadian” for falling behind.
You experienced a personal loss or financial trauma years ago, and got stuck there.
You’re years behind on taxes and don’t know where to start.
You avoid CRA mail, email, and phone calls because you’re scared.
You’re afraid of being judged, shamed, or talked down to.
You feel embarrassed about missing so many years.
Your ADHD/Neurodivergent brain shuts down with paperwork and forms.
Your finances feel messy and you don’t know what documents you need.
You worry that fixing this will be too expensive or complicated.
You’re recently divorced, and realizing taxes are a part of adult life you never learned.
You’re self-employed and haven’t filed because it all feels too overwhelming.
You freeze every time you TRY to start - even when you WANT to.
You’re terrified you’ll owe money you can’t afford to pay.
You’ve been hiding this from your partner, family, or friends.
You’ve lost track of what years you filed and which ones you didn’t.
You think CRA might penalize you, garnish your wages, or freeze your account.
You feel like a “bad Canadian” for falling behind.
You experienced a personal loss or financial trauma years ago, and got stuck there.
If even ONE of these feels familiar, you’re exactly the kind of person I help.
This is Tax Therapy - not accounting.
No shame. No judgment.
Just a safe, supportive, confidential process to help you finally catch up - and finally begin to feel proud of yourself again.
Start Your Fresh Start Tax Review
(Canada-wide • Virtual • ADHD-friendly • Self-employed welcome)
Please expect 2 to 3 days for email response. Message me on Facebook for a faster reply.
For a quote, please answer the 3 questions listed below:
Are you multiple years behind, only need help with last year, or looking for future help?
Is there any self-employment (untaxed), or rental property income to claim in any of the years?
Has the CRA issued you a deadline to take action on any of these?me on Facebook for a faster reply.
Your information is safe, confidential, and judgment-free.
Who I Help
(And who I don’t - so you know you’re in the right place)
I specialize in helping Canadians who are:
- Multiple years behind on taxes
Often due to overwhelm, burnout, fear, avoidance, or executive dysfunction.
- Self-employed, freelancers, gig workers, creatives, contractors, or sole proprietors
People who were never taught how to manage business money to plan for paying taxes directly, or how to keep records to avoid future hassles with the CRA, and feel embarrassed about it, whether multiple years behind, just getting started, or planning for next year.
- ADHD, autistic, neurodivergent, anxious, or trauma-surviving
People who shut down with paperwork, lose track of years, and need a nervous-system-safe process.
- People scared of CRA letters, penalties, or possible reviews
You’ve avoided taking action because it all feels too big, too confusing, or too stressful.
- People who need gentle accountability + clear steps
Not judgment. Not pressure. Not shame.
Who I don’t help:
- One-year-only, T4-only “simple” returns
- People who expect fast refunds, discounts, or “cheap tax filing”
- Anyone not self-employed or behind
- Anyone who wants to hide income, make false expense claims, or invite CRA troubles
This page - and this service - is for people who need more support, not less. If you’ve felt alone, behind, or ashamed… you’re safe here.
Meet Debbie - Canada’s Tax Fairy Godmother ®
I wasn’t always the Tax Fairy Godmother.
I was the WOAT – Worst Of All Taxpayers.
I once fell 10 years behind on my own income tax and GST/HST filings, avoided letters, lived in fear and everyday anxiety, and thought something must be “wrong” with me.
It turned out nothing was wrong with me.
The system was never built for brains like ours.
After rebuilding my life, surviving CRA pressure, and learning both the technical + emotional side of taxes, I made it my mission to help others who feel like I once did:
Overwhelmed, ashamed, avoidant, and afraid to reach out.
I am now a CRA Authorized Representative and member of the EFILE Association of Canada.
You are not alone.
And you don’t have to do this the hard way.
How Your Fresh Start Works
(ADHD-friendly, step-by-step, zero judgment)
Message Me to Start Your Fresh Start Review
Tell me about your current tax situation and the help you need, by answering 3 questions:
- Are you multiple years behind, only need help with last year, or looking for future help?
- Is there any self-employment (untaxed), or rental property income to claim in any of the years?
- Has the CRA issued you a deadline to take action on any of these?
We Build a Calm, Clear Plan
I will help you figure out:
- what years you missed
- what records we do have
- what to do first
- the simplest path forward
This process meets you where you are – emotionally and practically.
Secure Your Spot
Your deposit locks in your onboarding call, protects your pricing, and gives you immediate support.
Intake Designed for Overwhelmed Brains
I guide you through gathering what you have (even if it feels messy).
You do NOT need to be organized to get started, you just need to be DONE with the everyday stress & anxiety associated with being behind.
Your Returns Get Prepared & Filed
I communicate clearly, gently, and step-by-step as we complete getting you fully up to date.
You stay informed – not overloaded.
You Feel Relief, Clarity, and Control
Once everything is filed, you know exactly:
- what you owe (if anything)
- if refunds are coming
- your next steps
- how to stay on track going forward
You go from chaos → clarity → confidence.
Ready to Start Your Fresh Start?
You don’t need to be organized.
You don’t need your documents ready.
You just need to take the first gentle step.
Please expect 2 to 3 days for email response. Message me on Facebook for a faster reply.
For a quote, please answer the 3 questions listed below:
Are you multiple years behind, only need help with last year, or looking for future help?
Is there any self-employment (untaxed), or rental property income to claim in any of the years?
Has the CRA issued you a deadline to take action on any of these?me on Facebook for a faster reply.
Your information is safe, confidential, and judgment-free.
Why Canadians Choose Tax Fairy Godmother®
Trauma-Informed,
Judgment-Free Support
No shame. No talking down.
No overwhelm.
Just compassion + clarity.
ADHD/Neurodivergent-
Friendly Structure
Low-pressure steps, no-information-needed intake, and nervous-system safety at every stage.
Empowering GST/HST &
Income Tax Planning For Debt Avoidance
Simple, neurodivergent-friendly, money-management strategies that help make paying income tax before the due dates, a no sweat situation.
Specialized Expertise in
Multi-Year Cases
I don’t do simple returns – I’m built for the complex, emotional ones.
Self-Employment & Microbusiness Expertise
I speak sole-prop, gigs, creators, contractors, and patchwork incomes fluently.
Canada-Wide
Virtual Support
From Newfoundland to Victoria, Toronto to Nunavut to NWT – if you can message me, I can help you.
Transparent Pricing,
No Hidden Fees
Sliding scale for all clients, based on income level (employee-only) and complexity of returns (self-employed & rental property income) makes my fees FAIR for everyone and almost always lower than the big-name tax offices.
Fresh Start Services
Multiple Year Tax Filing Catch-Up (3-10+ years)
Your complete, judgment-free path from chaos to clarity, often within days.
Self-Employed / Sole-Proprietor / Rental Property Tax Filing
Freelancers, gig workers, creators, contractors, and microbusiness owners who are just getting started or catching up on multiple years.
GST/HST Backlog & Corrections
If you started charging HST late, incorrectly, or not at all – we can fix it all for you calmly, and set you up for future returns in an empowering way that leaves you qualified to prepare, file, and rule over your GST/HST responsibilities, without needing to hire expert help to file ever again
Tax Therapy Consultation Calls
For ADHD/ND, anxious, or avoidant clients who need clarity, emotional support, and next-step planning.
Client testimonials
Hey all, happy Sunday.
I just wanted to share how grateful I am to this community and all the help I’ve received over the years. I recently reached out feeling very overwhelmed about my taxes (several years of back taxes) and I was recommended to ask Debbie Horovitch for help. That was less than a month ago and today I’m all caught up, and got a great refund.
If anyone is overwhelmed, confused, and even embarrassed about their tax situation, I highly highly recommend Debbie.
Have a great one ♥️
Bittersweet day!! The #fairytaxmother Debbie Horovitch has gone and done it again!! She helped me clear up and file my back taxes so that I’m able to learn and move on. Her conscientiousness and care with coaching for my financial traumas got us here today, and I’m eternally grateful! From the bottom of my heart Thank you Debbie!!! If she can help me, she can help you too!! I recommend getting in touch with her if you have any questions or need any help with taxes- Personal or business. She will get them done, and her rates are amazing!!!
“Taking a moment to thank Debbie Horovitch for yet again handling my taxes for me. I first reached out to Debbie last year when I was 3 years behind on my taxes and way too anxious to even think about doing it. I, like most people my age, know virtually nothing about filing taxes and my line of work can be a bit confusing. Debbie approached the situation with zero judgement and explained everything to me like I was 5 years old because again, I understand nothing. Simply cannot say enough good things about her. If you’re behind on your taxes, I highly recommend speaking with her!”
Debbie Horovitch is a fantastic tax person! I think there’s many people in palz that would attest to her helpfulness. she aided me in doing some back taxes last year, she’s super knowledgeable and friendly.
Debbie Horovitch ? many people from the helping zone have used her, she’s basically our tax fairy godmother.
Recommending Debbie because Debbie literally has saved so many Bunz
Debbie Horovitch has been doing my taxes the last few years and has been amazing!
Debbie Horovitch she is helping me thru this process and has been incredibly kind and understanding and made the process super easy.
Yes!! I would highly recommend it! ♥️ ⭐
I was way behind in filing and feeling so anxious. Debbie was non judgemental & reassuring..she got everything organized and filed so much quicker than I was expecting. It’s feels like a weight has been lifted off my shoulder! THANK YOU!!
YES U MADE MY LIFE SO EASYYYU
Debbie is AMAZING! COMPLETELY took the terror out of tax season. I adore her.
Debbie is professional and warm, she is my new tax-everything person. And, her prices are more than fair! High recommendations; Debbie is a 💎!
Debbie is the queen! She helped my sister and I so much! Would recommend her to anyone !!!
Debbie’s response: Yeah! Can hardly wait to work with you both again in the future!
Good evening Palz! I’m here to interrupt your regularly scheduled Sunday night programming to tell you: Debbie Horovitch a.k.a the tax fairy godmother is an ACTUAL ANGEL 😇Basically, I hard been stressing about tax related stuff for ages and unsure what to do or where to turn to. I saw a Palz post, got in touch and now I’m on track to not only feeling like a fully functioning proper tax paying adult, but also she’s able to put my mind at ease AND let me know I’m even able to get a tax refund! Phew! Debbie is down to earth, understanding and compassionate and I can’t recommend her enough. She knows her ins and outs when it comes to tax stuff and can help you sort a situation that’s felt like a scary overwhelming mess. If you need tax help I seriously suggest you get in touch with Debbie! This lady knows her shit 💖✨🤑
I’m sharing this because it’s been immensely helpful in my life.
If you’re like me and struggle to do administrative things in your life (hello ADHD) like your TAXES, you need to contact Debbie Horovitch.
I just had another extremely supportive, informative and helpful call with her today and I needed to post here to say, if you’re overwhelmed and feeling shame/fear/insert other dreadful-feeling emotion because you’ve gotten behind / are confused by the whole process – don’t hesitate to contact Debbie.
You’ll get quality, judgment-free help (it’s beyond judgment-free, it’s downright supportive and inspirational).
I’m feeling like it’ll work out and like I don’t have to live forever as a broke-ass B.
Here’s me all smiles after Debbie helped me out. This could be you after having a conversation about your taxes – imaging that.
Please note: I do not work for Debbie haha. This is pure appreciation adn sharing because Debbie’s been such a help in my life.
Palz, I responded to another post of Debbie’s last year, she got me sorted from a several years of unfiled taxes mess. With kindness, no judgment, and patience! Also, she got me some excellent refunds, all for a super fair price. Very much recommend!
Adding to the Debbie shoutoutsL she helped me with several years of anxiety inducing tax backlog recently. She made the whole process relatively painless, was great to chat with, calculated deductions I would not have found on my own, and discovered that actually, the govt owed me! A v pleasant experience and would highly recommend it, especially if you had precarious occupations in the past.
Commenter: Couldn’t agree more! And I too realized the extra deductions and that they owed me! Mind blowing lol
I know I vouched for Debbie already but I’m back to do it again. Y’all don’t understand. I had been mishandling my taxes for years because I knew I’d fucked them up royally in the past and had a big mess to tidy up. I was embarrassed and it was my big scary secret for a long time. My ADHD and recurring health issues make executive function and paperwork a nightmare, and multiple moves meant I didn’t even know where to start. Everytime I tried, I’d get extremely confused and give up which resulted in me making mistakes and significantly overpaying. I even tried to work with other accountants and felt like they just made assumptions, didn’t do their follow up with me, or just didn’t understand my very non-traditional work trajectory and income sources.
Debbie changed that for me. She advised me on what to do next, connected me with someone very knowledgeable for my business taxes and handled my personal taxes with all the messy back stuff. She was kind, professional and helpful the entire time. She didn’t judge me at all. It wasn’t anything close to as bad as I imagined at the end. I am so, so grateful and hte level of stress in my life has gone down, plus she’s prepped me with some resources to shape better financial habits moving forward. I can’t recommend Debbie enough.
I just wanted to take a moment and say how appreciative I am of Debbie Horovitch. I found her through this group, and she has been an absolute lifesaver helping me file years of tax returns! She is truly a tax fairy godmother. Not only did she help me file them (and answer all my questions and ease my anxiety in the process but she also consistently takes time out of her day after the fact to help answer all my follow up questions. She has talked me out of several anxiety ridden moments – I cannot say enough good things about her. For anyone who is too anxious to deal with them, I highly recommend reaching out to Debbie Horovitch – you will find a highly skilled friend in her.
Commenter: Totally agreeing and vouching for Debbie as well! She literally made things so easy. She has my business 5ever and I will literally always recommend her 🙂
Hey tax-filing Palz, I just wanted to give a shoutout to the wonderful Tax Professional fairy godmother, Debbie Horovitch who came highly recommended in this group! My situation dealing with back taxes was special, and she truly has put me at ease and got me on track. She explains everything in such an approachable way, responds quickly and work efficiently. If you’re in a similar position, OR you just want to find a reliable and affordable tax professional to file this year – I cannot recommend her enough. Taxes can be so stressful and we all know 2020 was an exceptionally tough year for many of us. If you collected CERB or CRB and taxes may seem more overwhelming – Debbie will help ! (I know there are several palz here who’ve worked with her that can back up my statements – drop a shoutout for Debbie below if you’d like) 😀
Debbie always has the best tax advice and has helped so many people here
Vouching for Debbie. She’s helpful, kind, understanding and helping me get rid of the stress of not doing taxes for years!
Here to vouch for Debbie too, she was extremely helpful and non judgemental while helping me do years of back taxes.
Also here to vouch for Debbie. She was helpful, non-judgemental and fast.
She’s incredible !! And so good at explaining things and easing anxieties
Debbie’s Comment: I have had all those anxieties myself! But the more I do taxes & learn, the more I see none of the situations causing tax anxiety are really as bad as they seem, and they always get better when you take the 1st steps to get caught up.
Comment 1: Debbie always has the best tax advice and has helped so many people here
Comment 2: Vouching for Debbie. She’s helpful, kind, understanding and helping me get rid of the stress of not doing taxes for years!
Comment 3: Here to vouch for Debbie too, she was extremely helpful and non judgemental while helping me do years of back taxes.
Comment 4: Also here to vouch for Debbie. She was helpful, non-judgemental and fast.
I highly recommend reaching out to her if you are unable to file your taxes on your own. She is efficient and professional with the filing process. Even more importantly, she reassures you that you can finally get this done. For example, Debbie patiently encouraged me that I was not alone in this process, making what felt overwhelming seem manageable.
After each conversation, I felt uplifted and confident that I could handle the situation. There was no need to stress over what others might think about me being behind. Debbie’s encouragement made all the difference.
Client testimonials
Frequently Asked Questions
1. Do I need to be organized before reaching out?
No. Not even a little.
You don’t need receipts, documents, folders, or spreadsheets to get started.
Just tell me the years you think you’re behind and whether you’re self-employed – I guide the rest.
2. What if I don’t know which years I filed or missed?
Totally normal.
Most multi-year clients have lost track.
Once you authorize me, I check directly with CRA and build a clear plan for you.
3. What if I owe money I can’t afford to pay?
We’ll figure that out together before anything is filed.
Most people owe FAR less than they fear – and many actually get refunds.
If you do owe, the CRA offers payment plans and options we can discuss, for you to make the best plan moving forward for you.
4. Will CRA punish me or charge huge penalties because I’m late?
Late-filing penalties and interest are applied only when you owe income tax (unlikely unless you have untaxed income like contract work or tips as earnings), and only a % of the actual amount owing.
Filing old years often stops penalties and sometimes also stops interest, not increasing it.
And you won’t face CRA alone – I’m with you the whole way.
5. I’m embarrassed and scared to be judged. Will you think badly of me?
Absolutely not.
This practice exists because people fall behind due to ADHD, trauma, fear, burnout, complexity, or life happening.
You are not a failure – you’re human.
And you’re taking the first brave step.
6. I’m ADHD/ND/Autistic and paperwork makes me freeze. Will this work for me?
Yes.
My entire process is designed for neurodivergent, avoidant, overwhelmed, and anxious clients who struggle with forms, deadlines, and paperwork.
You’re my people – and I built this system for you.
7. Do you handle 1-year-only simple tax returns?
At this time, I only take multi-year and/or self-employed clients who need deeper support and want to be more empowered by their business & personal taxes.
If you only need one year filed, and you are not self-employed, I’m not the best fit – and I can refer you elsewhere.
8. What if I’ve made mistakes - like not charging HST, mixing business/personal, or not tracking anything?
Still totally normal.
Most self-employed clients feel lost about deductions, GST/HST, or record-keeping, leaving them feeling like it’s a mess that cannot be cleared.
We’ll fix this together – calmly, safely, and without shame.
9. How long does it take to file multiple years?
It depends on:
- how many years
- whether you’re self-employed and need to pull together your bookkeeping
- which other details we need to collect, to properly claim all your deductions and credits
Simple years with employee-income only and few deduction claims can be fast.
Self-employed years with missing info take longer – but I guide you every step.
My goal is clarity, not speed; but if you have a deadline, issued by the CRA or any other reason, I can prioritize your returns over my other clients (for an additional fee), to ensure that your deadline is met.
10. What does it cost?
You’ll get a custom quote during your Fresh Start Review (chat in FB DM or email).
Pricing is transparent, multi-year friendly, and sliding scale to be FAIR to everyone, based on:
- number of years
- income level overall or complexity (including self-employment / rental property income, or a large volume of investment dispositions & slips)
- special applications like Voluntary Disclosures Program, or Taxpayer Relief Request
- additional fees after filing, for optional services like reviewing CRA messages for you or calling the CRA on your behalf
Deposits secure your spot, and Pay-After-Refund (PAR) payment options can be available in some cases.
11. Do I have to talk to CRA myself?
For the most part, no. There may be some situations where only the taxpayer themselves (or their Power of Attorney) can call the CRA to confirm details or make changes, but if you need additional support I can be there with you on the call, or call them on your behalf, for an additional fee (hourly).
Once you authorize me, I can handle communication, check your account, interpret letters, and guide the entire process.
You’re Not Alone - and You’re Not Too Far Behind.
It’s never too late to file.
And you’ll never be judged here.
Begin Your Fresh Start Today
Your information is safe, confidential, and judgment-free.
Please expect 2 to 3 days for email response.
Message me on Facebook for a faster reply.
