The fact that a consumer owes money to CRA or to a creditor who has obtained a judgment against the consumer is no guarantee that the creditor is ever going to recover any monies from a consumer.


There are some actions that a consumer can take to protect their assets and income which comply with the law.  There are, however, some actions which a consumer can take to protect their assets and income which violate the law.


A consumer who owes monies to creditors who wants to protect their assets and income should consider speaking with a lawyer.

A person is "judgment proof" when both their assets and income are beyond the reach of their creditors.  There are a number of situations where a person might want to be be judgment proof.

  • creditors are threatening to sue an individual or have commenced a lawsuit against a person


  • a creditor has obtained a judgment against a consumer


  • consumer owes money to the Canada Revenue Agency


Judgment Proofing Yourself