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Cancer has taken almost everything now

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Sorry, this is just a whine but this is the only place where people really understand about cancer and what it does. I just found out an hour ago that I owe over $10,000 for business taxes from the business I had to sell because I got cancer. We do not have that kind of money and just get by every month due to me not working and getting disability which is just over a thousand dollars a month. My husband has tried to hang onto the things I love to make me happy but with this latest news we can't do that anymore. I have to be tough abd do what I have to do, not what makes me happy. I feel like at this point cancer will have taken everything from me except my life- yet.

I have to sell my horse and my car. Cars are replacable but I have to asmit that driving a bright red Camaro has made me feel human again and makes me happy when I drive it. But it's unnecessary and I don't need it. My horse is the one that's going to crush me. We've had him for almost twenty years. He's my baby and we're fiercely attached. I thought i'd have him until the day I die. But I can't work and I can't work off this money to taxation. So I'm going to have to suck it up and rehome him. His sale will go a long ways towards paying the debt off. I can't keep putting this pressure on my husband or the stress. But my heart is going to shatter. It will gut me. Damn, I'm so sick at the thought of it but it's just one more thing cancer has taken from me. 

Well, it feels a bit better getting this out of my system. I still must be grateful for being alive and feeling better these days and for the people in my life. I am still blessed. 

Thanks you for sharing my heartbreak,

Jan

abita's picture
abita
Posts: 658
Joined: Dec 2017

I am so sorry to hear this.

When you say rehome, are you absolutely sure that whoever is taking him will allow him to live his life out with them? Is it the monthly feed and housing, or are you sellling him? if it is the cost of care, maybe look into a sanctuary to take him.

 

 

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

I'd be very careful about who buys him. It's not the monthly cost, which is bad enough, it's a huge bill I owe taxation that we just founf out about. I've been trying to get them sorted out for over a year and it finally did and I owe over 8 grand. They're threatening to make us sell our house if it's not paid off.

I'm so upset I just tried to give a dog cookie to the cat. She looked at me like I was nuts.

Jan

PhillieG's picture
PhillieG
Posts: 4891
Joined: May 2005

Jan, I'm truly sorry to hear about your situation. I don't know much about tax law but I wonder if you can take some exemptions or deductions. It drives me nuts that people who are dealing with cancer, especially stage IV cancer have to deal with this nonsense. You're hanging in there but not by a whole lot. Maybe if you had 3-4 homes it would be different but most of us are just trying to live out the time we have left without being in the poorhouse. 
Have you explored the possibility of getting financial aid for any organization? I'm not on many cancer sites anymore. I try to keep a foot in the door in a few places. I'll ask around and see if anyone has any suggestions.

The last thing you want to do is piss off the cat! Such spiteful little creatures. I have two of them and love them 
Wink 
Hang in there Baby!

Hang in there baby!

myAZmountain
Posts: 282
Joined: Apr 2018

Oh no! I am so sorry to hear this. Isn't there a way to re-pay taxes monthly or something similar?  My heart is breaking thinking you must part with your beloved horse.

Princey
Posts: 17
Joined: Sep 2018

Are you able to work out some kind of monthly payment plan?  Yes it would take awhile, but maybe you'd be able to keep your horse?

Trubrit's picture
Trubrit
Posts: 4906
Joined: Jan 2013

I'm sorry to hear this, Jan.  We too have just found out that we owe taxes this year, over $2,200 which for us, is bad enough. I wept when I heard. I can't even begin to imagine how you feel, with such a huge bill. 

I still can't figure out how come we owe so much, my husband earns minimum wage and I only work two days at minimum wage.  

I hate everything to do with money. 

I do so hope there is some way you can keep your horse. The car, can go, but your horse is a membe of the family. Praying that something works out for you. 

Cancer is a beast that eats you alive, not only physically, but financially and emotionally. 

Cyber hugs,friend. 

Tru

Twinzma
Posts: 216
Joined: Jan 2018

I am so terribly sorry. Your story went public once, why not once again and start a go fund me account? I know that asking for help is not something anyone wants to do, but I am sure that if people in your community knew, so many would help with feed and monetary donations. An acquaintance of ours son was diagnosed not long back with bone cancer. He was uninsured and the community raised $18,000 in one night at a restaurant fund raiser. I know that the horse community is also so generous, they too will want to help if you asked. The car can be replaced, but not your beloved horse! Your horse is a local celebrity having visited you, I am sure that so many will support a fund if you started one. 

 

 

Butt's picture
Butt
Posts: 326
Joined: May 2018

Jan, I also suggest that you start some funding page. I believe many members on this board will contribute. I am truly sorry, honey. Butt.

SandiaBuddy's picture
SandiaBuddy
Posts: 917
Joined: Apr 2017

My advice would be to slow down a little and not take any action at all immediately.  Canadian law is not so different from US law, and there are likely countless ways that you can forestall, appeal and reduce the tax debt.  Also, even if every penny of the debt sticks, there are certain assets that are exempt from collection--including a house and a car.  If your horse is your therapy animal (get your doctor to write that in a letter) I imagine he would be exempt as well.  Sometimes things seem catastrophic at first, but with some analysis and advice, they are not as bad as it seems.  Try to get a consultation with an attorney with experience in tax and collection law.  Usually initial consultations are free, and even if there is a fee, it will likely be worth it.  My guess is that things will turn out to be not as bad as they seem right  now.

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Thank you all for your support- again. I don't know what I'd do without all of you in my corner. If someone can tell me how to post pictures on here now that I no longer have Photobucket I'd appreciate it. I wouldn't do a GoFundMe for something like this. As much as he is family and I love him more than I can say and he and I are fiercely connected, he's a luxury. How many people have horses? Not many because they're expensive. I will wait until I get the paperwork from the tax department and see what my options are but they've said they're going to force us to sell our house. It just feels like another kick in the butt from cancer, the gift that keeps on giving.

Jan

SandiaBuddy's picture
SandiaBuddy
Posts: 917
Joined: Apr 2017

It took me a while to figure this out.

Click on the little picture of the tree in the bar on top of the shaded section in which you compose a message.

A dialog box will pop up.  Go to the right side of the "Image URL" line (that is for internet pages, I assume) and click on the box on the far right side. That brings up a second dialog box.  Go to the upper left-hand corner of the dialog box and click the "upload" arrow.  That will allow you to browse your computer for the file you want to upload.  Once you find the photo you want, click upload. It should be resized, but if it is too big, CSN may refuse it without a further message.

Click 'insert file."

That should work.

 

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Thank you!!

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

I just got home from the cancer support group in our town which is held at a restaurant. I got my first senior discount tonight because it's for 55 and over. First time in my life, very sobering. I feel like I'm ancient now!

Jan

danker
Posts: 1191
Joined: Apr 2012

At 55 you are just a kid.  I was 77 when dxed-currently86.  I guess I'm old-lol

Danker

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Danker, I'm 56. I'd like to say it was because I'd been crying yesterday and probably looked rough but the server said she'd been going to ask me last time I was there. I didn't care when I turned 40 or 50 but this seems like a milestone and it's bothering me! Oh, I shouldn't worry about it. It was just kind of a lousy end to a bad day.

I hope you're doing well! I don't see you on here very often.

Hugs,

Jan

Annabelle41415's picture
Annabelle41415
Posts: 6249
Joined: Feb 2009

This disease is so unforgiving and doesn't care what it takes from you or who it takes.  I'm so sorry to hear that another part of you that you love is going to be taken from you.  My heart is breaking for you.  Wish that your horse can go someplace where the new owners will allow you to come and visit.

Hugs!  Kim

Kazenmax's picture
Kazenmax
Posts: 363
Joined: Feb 2016

Oh that sucks so bad! But I will tell you what my mother always told me... if money is your problem, you have no problems. Your health is much more important. Love is more important.

She also said... you can’t get blood from a stone. I’m not really sure about that one but I think it means... let them try and take your money. It won’t be easy.

i agree with Sandia... don’t do anything right away. See about payments. They will work with you. They will NOT make you sell anything. You need your horse. You need your car. Don’t make a rash decision. 

It breaks my heart to see how this disease devastates us all. i hope you can work it out.

k

beaumontdave's picture
beaumontdave
Posts: 1006
Joined: Aug 2013

Sorry Jan, that really is a harsh choice this crap is forcing on you. I've battled the IRS over tax stuff before and options are there for using the taxpayer advocate, offers-in-compromise, and bankruptcy rules. I assume Canada has similiar ways to counter a tax bill and I hope you and the hubby have sorted all the options. Sometimes it feels as if the moment we've accepted a smaller deal from life, it smacks us in the head and demands some more. Hang in there..............................................................Dave

Sestra17's picture
Sestra17
Posts: 43
Joined: Jan 2018

As a fellow horsewoman I truly understand your pain. But in your situation I don't think anyone could think of your horse as a "luxury". As you said, been with you 20 some years-if that doesn't qualify as family I don't know what does. Plus it is a well known fact that horses are very therapeutic in many different situations. Please rethink the GoFundMe option, at this point anything is worth a try. Thinking of you and sending nose kisses from my ponies in Heaven Orion and Isobel.

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Aw, thank you! I have some horses in Heaven, too. I miss them so much. He is family. He'd come in the house if he could. I'll post some pics of him and I after my PE when I was in the ICU and he came to the hospital. I'll try to do that tomorrow but I'm a complete simpleton with technology.

Jan

suzycruise76's picture
suzycruise76
Posts: 98
Joined: Mar 2019

Hi JanJan, after reading your story with the taxman,I want to ask you this: how had they contacted you? By phone,as CRA? Treatening you if you don't pay those thousends of dollars they will make you to sell your house? I don't think it could have been Revenue Canada. There is a scam going on for a while-fraudsters pretending to be CRA  and trying to get the money from innocent people. Please make sure you deal with the real CAR!

Good luck with EVERYTHING,

Suzy

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

I called them because I got a letter. We already knew they had put a lien on our house but we also knew they had estimated what I owed and overestimated it because they thought I'd owned the business for a year and a half longer than I did. It's been such a mess. So it's less than what they first wanted but it's till a lot of money.

Jan

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Okay, thanks to SandiaBuddy I'm going to try posting a picture right now. 

abita's picture
abita
Posts: 658
Joined: Dec 2017

I understand the whole not wanting a GoFundMe page, but he loves you so much. And he will miss you as much as you will miss him. It breaks my heart. I feel this way about my cats so I can't help but think how it would be. 

Pamcakes
Posts: 87
Joined: Jan 2018

Beautiful 

SandiaBuddy's picture
SandiaBuddy
Posts: 917
Joined: Apr 2017

Awww, that picture is so darned cute.  Show it to the tax man, there is no way they will make you part with your horse.  Honestly, get some legal advice.  Do not rely only on what the tax agency tells you.  You have a right to certain essentials in life, and your horse is one of them.  There are no debtor's prisons in Canada.  Set your limits and make it work!

beaumontdave's picture
beaumontdave
Posts: 1006
Joined: Aug 2013

NICE!!

myAZmountain
Posts: 282
Joined: Apr 2018

OH Jan Jan that is such an incredible picture! 

Pamcakes
Posts: 87
Joined: Jan 2018

 Am so very sorry. I hope you are able to keep your baby. If you start a go fund me page Richard and I will be happy and honored to help. my name on FB is Summer Gush. It’s the summer Gush with a goddledoodle puppy as the profile pic. I understand about bills collecting to some degree. Richard has no idea bout our finances because I m the main money maker in the family and deal with all of that. about 3 months before his diagnosis we bought him his dream car. A Range Rover super Charge Sport. I’ve had to place some items such as my beloved handbags on eBay and take on some extra work as a therapist in addition to my full time job to keep us where we were before.Many weeks I work 7080 hours because I didnt want him to worry about anything financially related. This last month while living  awa from home many friends and family came together and gave us close to  10k to help with expenses. This was the first time we’ve ever been on the receiving end. It was hard to accept, but lifted so much off our shoulders. we feel so blessed to have had the help.Something that you love so much, such as your horse is helping you in this battlE.i hope there is a way we can help

even just in a small way. Much love and many prayers! 

Ruthmomto4's picture
Ruthmomto4
Posts: 638
Joined: May 2013

start a go fund me I would happy to donate to it. i don’t think your horse is a luxury he is family. Whatever I can do to help I will do.

myAZmountain
Posts: 282
Joined: Apr 2018

That you must keep your horse--sell the car but keep the "horsepower"!! I would be so happy if there was a go fund me to ensure he stays with you and I would be honored to donate. Hugs

Butt's picture
Butt
Posts: 326
Joined: May 2018

Jan, I want to donate, too

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Wow, you are all making me crym so very blessed to have the people I have in my life even those I've never met. I'll think about this. The idea of losing him is hard to even contemplate. It would devastate both of us, I think.

Hugs to all of you,

Jan

Butt's picture
Butt
Posts: 326
Joined: May 2018

He is family. Not a luxury!

ThomasH's picture
ThomasH
Posts: 100
Joined: Jun 2016

It might not be a bad idea to talk to someone about that. I'm not positive about tax law in Alberta, but in Sask. they can't take your house as long as you are current on payments. With my cancer, I've had similar experience with you. Been through troubles with the tax man and bankruptcy, but my house and my car that I need to get to work were never in any danger.

If you haven't looked into doing a consumer proposal, you really should talk to someone about it soon. It could make a big difference to you financially.

Thomas

JanJan63's picture
JanJan63
Posts: 2482
Joined: Sep 2014

Thank you Thomas!

Jan

Canadian Sandy's picture
Canadian Sandy
Posts: 521
Joined: Jul 2016

Beautiful picture! 

ellend
Posts: 84
Joined: Apr 2016

Talk about adding insult to injury. Your horse is more than a luxury. Yes, it is expensive to keep him, but he is family and even more so because brings you joy when you are down. It seems like he could be considered an emotional support animal. I'm not sure what the hoops might be to get him classified as such, but it might be a way to keep him. Praying something works out for you.

Ellen

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