SMARTFINANCESOLUTIONS.NET - If a person owes money to numerous credit agencies (car loan, credit cards) can they take a tax refund?

2013-11-18 3

Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - If a person owes money to numerous credit agencies (car loan, credit cards) can they take a tax refund? - This person has outstanding debt and is waiting to claim bankruptcy... IN CANADA.
Just received T4's and is considering doing them by mail incase (rather than paying for H&R) the tax refund is with held for the credit companies. IS IT POSSIBLE for them to automatically receive/take the money and HOW WOULD a person find out before hand if it will be garnished ??? -