The Canada Revenue Agency (CRA) can order your bank account frozen if you owe the agency money. If you owe your bank money (through a bank loan or a credit card supplied by the bank, for example) the bank can also freeze your bank account or seize funds from the account without warning if you are behind on your minimum monthly payments on your lines of credit, overdraft, bank loan or credit cards. When your bank account is frozen, you will be unable to withdraw any funds from the account. Instead, the CRA or your bank seizes the funds directly from your account in order to repay a portion, or all, of the debt that is owed. A Consumer Proposal unfreezes frozen bank accounts but cannot get back the funds already seized.