---
title: Do I lose my tax refunds in a Consumer Proposal?
description: If you owe money to the Canada Revenue Agency when you file your Proposal, they will apply any tax refund for the year you file the Proposal towards the debt.
---

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# Do I lose my tax refunds in a Consumer Proposal?

## If you owe money to the Canada Revenue Agency when you file your Proposal, they will apply any tax refund for the year you file the Proposal towards the debt.

Future tax refunds are yours to keep. 

- [Consumer Proposals](https://knowledge.bnadebtsolutions.ca/knowledge/consumer-proposals?hsLang=en#main-content)

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    - [Consumer Proposal (debts less than $250,000, excluding principal residence mortgage)](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#consumer-proposal-debts-less-than-250000-excluding-principal-residence-mortgage)
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