glossary

Glossary

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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.
Title: convicted
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You're convicted of a crime when a judge or jury decides that you're guilty. For you to be convicted of a crime, the Crown must prove these two elements beyond a reasonable doubt:

  • an action that is against the law – this is called the actus reus
  • a guilty state of mind when breaking the law – this is called the mens rea

The sentence you get may mean you have a permanent criminal record. If you're sentenced to an absolute discharge or conditional discharge, you will have a temporary criminal record.  

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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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A correctional officer is someone who is responsible for the safety, security, and supervision of people serving sentences of 2 years or more in federal prison.

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Cost consequences are when one party has to pay some or all of the legal costs of the other party. Legal costs usually include lawyer's fees. It might also include other costs paid, such as the fee paid to have a pension valued.

The court decides when to make a court order for cost consequences. For example, it might order you to pay some of your partner's costs if it made the court order that your partner asked for.

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