Collection Agencies
Information to help you understand what is a collection agency and who to contact if you feel you are being treated unfairly.
read moreCredit Reporting
Your credit report is a snapshot of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.
read morePayday Lending
A payday loan is a loan that you have to pay back out of your next paycheque. Payday loans usually cost much more than any other type of loan, so before deciding to get one, think about whether you have cheaper options.
read moreAdvertising Scams
Inform yourself about misleading advertising and marketing scams.
read moreDeceptive Telephone Practices
Telemarketing, deceptive telemarketing practices, tips for smart telephone shopping, and “vishing”.
read moreUnfair or Deceptive Business Practices
Most provinces and territories have laws that protect consumers from unfair or deceptive business practices. Generally, an unfair or deceptive practice takes the form of a claim that would likely mislead the average person.
read moreBetter Business Bureaus
Directory of Canadian Better Business Bureau branch offices and contact information.
read moreProhibited Collection Practices
Collection agencies have stringent rules they must follow when they are attempting to collect on debt.
read moreCanadian Bankruptcy – Frequently Asked Questions
Bankruptcy is a legal proceeding that is available to a person to cope with a financial crisis. One of the main purposes of bankruptcy legislation is to afford the opportunity to a person, who is hopelessly burdened with debt, to free himself of the debt and start fresh – “a new lease on life.” To go into bankruptcy it is necessary for a person to be insolvent. To be insolvent means to:
read moreCredit Reporting Act – Canada
CREDIT REPORTING ACT – [RSBC 1996] CHAPTER 81 Section Definitions Registrar Registration required Register Application for registration Unsuitable applicants Suspension or cancellation Appeal to commission Changes of reporting agencies To whom reports may be given Contents of reports Consent or notice for report Notice of denial of benefit or increase of cost of benefit Disclosure [...]
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