glossary

Glossary

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A confirmation of permanent residence is the document that proves you’re a permanent resident. You get this document when you land in Canada as a permanent resident. People who became permanent residents before July 2002 got a document called a record of landing.

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A conjugal partner is someone of the same or opposite sex who you've had a conjugal or marriage-like relationship with for at least a year. A conjugal relationship does not have to include living together. But if you could have lived together and chose not to, it can be difficult to convince Immigration, Refugees and Citizenship Canada that your relationship is conjugal.

Title: consent order
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A consent order is a type of court order that is based what the parties in a court case agree to.

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A consolidation loan is when you combine most or all of your debts into a single, new loan. Consolidation loans almost always have a lower monthly payment, lower interest rate, or both, than credit cards or payday loans. Banks and credit unions usually offer these loans.

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Constructive dismissal happens when your employer makes a fundamental change to your work situation and you don't agree or accept it. Because of this, your work or your conditions at work change so much that it's like you've been fired.

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A consumer proposal is a legal process to help you get out of debt. A Licensed Insolvency Trustee helps you make a plan to give to your unsecured creditors.

If a creditor accepts your plan, one or both of the following happens:

  • you pay only part of what you owe them
  • you have more time to pay them back
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A credit reporting agency is a business that keeps a record of your credit history. It also calculates your credit score. The two main credit reporting agencies in Canada are Equifax and TransUnion.

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Contempt of court is when someone does not listen to or respect the court, judge, or other person in a legal proceeding. It can include not following orders, refusing to co-operate with the judge, and lying. You can be fined or sent to jail if you are in contempt of court.

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A Convention refugee is someone who is outside their country and not able or not willing to return. This is because they have good reason to fear that they’ll be persecuted because of:

  • race,
  • religion,
  • nationality,
  • political opinion, or
  • being a member of a particular social group.
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A cooling off period is the amount of time you have to change your mind to cancel a contract without giving a reason and without penalty. Not all contracts have cooling-off periods, or the same cooling off period. 

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