glossary

Glossary

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Title: co-sign
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To co-sign is to sign a legal agreement together with another person for a loan or other debt. When you do this you are jointly responsible for paying the debt. For example, if you co-sign a lease, you are responsible for paying all of the rent, even if the other person doesn’t pay their part.

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A code of ethics is a set of rules that say what members of an organization or profession can do, and how they are supposed to behave and run their business. For example, a non-profit credit counsellor will protect a client’s privacy and not share information about a client without getting permission.

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A cohabitation agreement, sometimes called a domestic contract, is a written contract that non-married partners can make that says how they will deal with their issues while they are living together, after they stop living together, or if one of them dies. They can make this kind of contract before living together, or while living together. For example, a cohabitation agreement can say how much spousal support one partner will pay the other if they separate. It cannot say who will have custody or access to any children.

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Collaborative family law is an alternative dispute resolution process where you and your partner try to solve your issues without going to court. Collaborative family lawyers have special training and agree in writing not to go to court. You and your partner each have your own collaborative family lawyer. They work together with you and your partner to help you agree on your issues. Usually, this happens after many meetings.

If you or your partner cannot agree and later decide to go to court, you cannot use your collaborative family lawyers as your lawyers in court.

Title: collateral
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Collateral is an asset of yours that you use as security for a loan. This means that if you do not pay back the money you borrowed, your creditor can take the collateral as payment instead. For example, a house can be collateral for a mortgage, and a car can be collateral for a car loan.

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A collection agency is a business that tries to collect unpaid debts for creditors. If you aren’t paying back money that you owe, the person or business you owe the money to may hire a collection agency to try to get you to pay the money back.

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When a workplace includes workers who belong to a union, a collective agreement sets out conditions of employment, such as wages, hours of work, and overtime pay. The collective agreement includes the process that workers need to use if the employer does not follow the agreement.

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Collective bargaining is the process that unionized workers and employers go through to set the conditions of employment, such as wages, hours of work, and overtime pay.

Title: commissioned
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When a document is "commissioned", it is signed in front of a commissioner of oaths. A commissioner of oaths has the power to certify a document that presents what someone says is true, such as an affidavit.

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A common-law relationship is one where partners of the same or opposite sex live together in a marriage-like relationship, without being married. This is sometimes called "cohabiting". You don't have to live together for a certain amount of time to be in a common-law relationship. But the law gives different rights to common-law partners depending on how long they've lived together or whether they have a child together.

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