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If someone has insufficient or an unreliable credit history, a lender may require that a loan have a co-signer or that someone else “guarantee” a loan. Co-signing and guaranteeing a loan are different, and if you’re considering doing either, you should consider the implications carefully. What does it mean to co-sign a loan? Co-signing a loan means...

If you’re dealing with the estate of someone who has passed away and you need to find out whether they had a life insurance policy, there are a few things you can try. Sometimes simply going through their paperwork or computer may provide you with the information you need, but if not, you may need to conduct a more thorough search. Where can I...

Probate is a way of getting the court to say a will is legally valid. The executor is the person named in the will to carry out the will maker’s instructions. For example, the executor distributes property in the estate, such as land and personal items the will maker owned at the time of death. If the estate includes things like real estate that is...

You must report the accident to an insurer. In BC, the basic insurer for drivers is the Insurance Corporation of BC (ICBC). If you’re a pedestrian, cyclist, or passenger, you must also contact ICBC. If you have disputes afterward The Civil Resolution Tribunal (CRT) can make decisions on the following matters: Entitlement to accident benefits...

If you’re charged with a crime and you admit that you committed the crime, you may be able to deal with the charges without having to plead guilty or go to trial. You may be eligible for alternative measures, also known as diversion. Diversion is a program of community supervision by a probation office. You have to be recommended for diversion by...