Why do I have to pay back the Canada Child Benefit?

The CRA demands repayment of the CCB if a recalculation reveals you were overpaid. This typically occurs due to changes in family net income, modified shared custody setups, a shift in marital status, or if you forgot to file your annual tax returns.

Can the CRA stop my tax refund to pay back a child benefit debt?

Yes. Under federal offsetting rules, the CRA can automatically keep all or part of your future CCB payments, income tax refunds, GST/HST credits, and Canada Carbon Rebates (CCR) until your total balance owing is resolved.

How do I make a payment plan arrangement with the CRA for benefit debt?

If you cannot pay the full balance at once, you can establish an affordable payment schedule by calling the CRA Benefit Debt Collection line at 1-888-863-8662 between Monday and Friday, 8:00 AM to 8:00 PM Eastern Time.

What happens if the CCB overpayment collection causes financial hardship?

If automatic clawbacks or payment terms threaten your baseline livelihood, call the CRA directly at 1-888-863-8662. Agents can adjust or downscale recovery percentages to protect your family's basic financial security.

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Repayment of Canada Child Benefit Overpayment: CRA Debt Guide

Received a notice of redetermination for a Canada Child Benefit (CCB) overpayment? Discover why the CRA recalculates benefits, how automatic claws-backs affect your tax refunds or future child benefits, and step-by-step options to make a payment arrangement or request financial... Read More

by Benefits Expert
June 26, 2026
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Repayment of Canada Child Benefit Overpayment: CRA Debt Guide