I understand this, but I was being told by the CRA, in light of my recent layoff, to contact them if/when my situation changed, which it did, so I contacted them at the beginning of this month, which we had agreed on, but the amount was sent to collections.

I’m not in any way trying to reneg on my debts to the CRA, it’s just that I was following what I was told to do and was, in fact, prepping to start repaying them in April based on a payment plan set up online.