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If you are charged with a criminal offence and you can’t afford a lawyer or get legal aid, you may have to defend yourself. Learn your rights and what’s involved.

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.

Information about a person found guilty of a crime is kept in their criminal record. Learn about criminal records, including how to apply for a record suspension (formerly a pardon).

Practical, step-by-step information on credit reports. Topics include ordering your credit report, who has access to your credit report, fixing a mistake on your credit report, improving your credit score, and taking charge of your credit report.

If you are guilty of a criminal offence, a judge will decide your sentence. Learn about some of the possible sentences: a discharge, a suspended sentence, and a conditional sentence.

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.

Before lending money to someone, a lender may ask for someone else to “co-sign” or “guarantee” the loan. Learn what to consider if you’re asked to co-sign or guarantee a loan.

It’s a familiar story: a business makes a defective product or does something that harms a group of people. Such a “mass wrong” can be met with a class action.

Typically, for someone to be charged with a crime, the police must recommend charges and a prosecutor (called Crown counsel) must approve the charge. Learn what’s involved in the process.

Guides for buying and selling a used car, leasing a car, and what to do if you have a problem with a car repair.