Debt and Consumer Rights

Bankruptcy

• I am having money problems. Should I file for bankruptcy?
• Are there options other than bankruptcy if I’m in debt?
• What’s the process to file for bankruptcy? Will I lose my house or car?

Buying a used car

• I want to buy a car from someone. What should I think about?
• I want to buy a car from a used car dealer. What do I need to know?
• Can I change my mind about buying a used car?

Buying goods and services

• I bought something online. Can I cancel my order or return it?
• I bought something by telephone. Can I cancel the order or return it?
• I bought something by mail order. Can I cancel the order or return it?

Cellphones

• I’m going to get a cellphone. What do I need to know?
• I want to cancel my cellphone contract. What should I know?
• Can my service provider cut off my cellphone service?

Collection agencies

• A collection agency called me. Do I have to talk to them?
• A collection agency called about a debt I do not owe. What can I do?
• What rules do collection agencies have to follow and what are my rights?

Credit reports and repair

• I cannot pay my rent. Will this affect my credit?
• Someone asked me for a credit check. What does this mean?
• I have a low credit score. How can I improve it?

Debt and money problems

• I’m having trouble managing my debts. Where can I get help?
• What are Licensed Insolvency Trustees, credit counsellors, and debt settlement businesses?
• Can I get out of a debt settlement or credit counselling agreement?

Door‑to‑door sales

• What can I buy from a door-to-door salesperson?
• Does a door-to-door salesperson have to give me a written contract?
• I felt pressured by a door-to-door salesperson. What can I do?

Energy contracts

• What are my rights when I sign an energy contract?
• How can I extend or renew my energy contract?
• Can I cancel my energy contract?

Motor vehicle repairs

• My car needs to be fixed. What should I think about?
• Can the repair shop charge me more than they said they would?
• My car was repaired, but still isn’t working. What does my warranty cover?

Payday loans

• What is a payday loan? Do I have other options?
• What should I know before getting a payday loan?
• Can I cancel a payday loan agreement?