Find websites and materials written in plain language.
Explains that it’s important to deal with some debts before others. It explains “priority debts” (which should be paid as soon as possible), secured debts, and limitation periods, and explains where you can get help if your debt problem is urgent. It describes the steps you can take to deal with your debt. It also answers some common questions.
Explains how your creditor can take some of your wages or money from your bank account, the laws to protect you, and what benefits are protected from garnishment. It explains how to apply to set aside a garnishing order, how to file and serve the application, and what could happen at a court hearing.
If you can’t pay your loan, the creditor may seek to take your property to satisfy the debt. Learn your rights if a creditor wants to repossess (or seize) your property.
This revised booklet is for homeowners who can’t make their mortgage payments, or have received a petition to go to court. It explains what homeowners can do during foreclosure, and lists agencies that can help. Includes where to get required court forms online and instructions to complete them.
Occasionally, those who work or supply materials on a construction project aren’t paid for the work or materials supplied. A “builders lien” can help them collect the money they’re owed.
Practical information on your rights and responsibilities when lending money to a family member or a friend.
Practical, step-by-step information on your legal rights and options to get out of debt. Topics include budgeting out of debt, consolidating your debts, negotiating payment terms, negotiating a debt settlement, making a consumer proposal, declaring bankruptcy, and people who can help.
Explain your options for getting out of debt, who can help, scams, and licensed insolvency trustees who can help with formal legal processes. Your options include to budget out of debt, to negotiate with your creditors, to consolidate your debt, to negotiate a debt settlement, to make a consumer proposal, and bankruptcy.
If you’re behind on debt payments, there are laws to protect you from harassment by collectors. For example, collectors can’t use threatening language or contact you during certain times of day.
No one enjoys it when they’re owed money and don’t get paid. Learn the options available to you when collecting on a debt, and the steps to deal with the situation.
