glossary

Glossary

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The ladder principle is used in bail court to help decide how much supervision you should have if you're released. The bottom of the ladder is the least amount of supervison and the top of the ladder is the most. Each step up the ladder restricts your freedom more. For example, an undertaking without conditions is at the bottom of the ladder. A house arrest is at the top of the ladder.

A person with no criminal record and no criminal charges is usually assumed to be at the bottom of the ladder. But, if the allegations against the person are serious the court may move them up the ladder to ease their concerns about releasing him or her.   

The more offences the person has on their record and the more serious the offences are, the higher the person moves up the ladder.

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An independent agency set up by the Ontario government to resolve disputes between landlords and tenants. It is similar to a court, but less formal. It has "members" who are like judges and make decisions after hearing both sides.

Title: lease
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Usually means a written tenancy agreement, often one for a fixed term.

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A Legal Aid certificate is a document that says Legal Aid Ontario has agreed to pay for a certain number of hours of a lawyer's time to work on your legal issues.

Not all lawyers accept legal aid certificates. You have to find a lawyer who agrees to work for you and agrees to accept your Legal Aid certificate.

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A legal representative is someone you choose to take care of your legal issues.

You can have different legal representatives for different legal issues. For example, you may have a legal representative who only represents you to the Canada Revenue Agency about a Canada child benefit issue.

The Canada Revenue Agency has a process you have to follow to authorize a representative.

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A Licensed Insolvency Trustee is a person licensed by the federal government to help people with consumer proposals and bankruptcies.

Title: lien
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A lien is when there is money owing on the vehicle. For example, if the original owner has not fully paid their car loan, there will be a lien on the vehicle. It is important to know if there is a lien so that you do not become responsible for paying off the original car loan.

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A limitation period is the time limit for when you can begin a court proceeding for a claim. If the time limit has passed, you will not be able to start a new claim.

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A line of credit is the total amount of money you can borrow from a lender. This term is most often used for a loan agreement with a bank or other financial institution. For example, some people have personal lines of credit.

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A loan agreement is a contract between a lender and a borrower, usually in writing. The lender agrees to give money to the borrower, and the borrower promises to pay the money back to the lender. The agreement includes the terms, which means it says what each person promises to do. For example, it says how much money the lender gives, when and how the borrower should repay the loan, the interest rate, and what happens if the borrower does not repay the loan.

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