This is a criminal offence. An assault happens when you apply, or try to apply force to another person without their consent. This includes touching but not casual contact between people.
Assault that causes physical harm can result in more serious charges like "assault cause bodily harm," "aggravated assault," or even "attempt murder." ...
Crown prosecutors are lawyers employed by the Criminal Justice Branch of the Ministry of the Attorney General. They are also known as the Crown, prosecutors, or Crown counsel.
Crown prosecutors present the case against you at court. They will try and prove the allegations against you beyond a reasonable doubt by calling witnesses to testify...
When you file for bankruptcy, you may have to make what are called monthly “surplus income payments” if you or your family earn more money than what the Surplus Income Guidelines say you can make.
These payments go to a Licensed Insolvency Trustee, who uses them to pay your creditors.
Surplus Income Guidelines say how much money someone who’s filed for bankruptcy or their family can earn before they have to make surplus income payments. The money that a family or person makes over the guidelines is called surplus income.
The guidelines change each year based on what the government sets as the cost of living.
Public records are documents or information that anyone can search for and find.
For example, when you file for bankruptcy, this information becomes a “public record”. Consumer reporting agencies, like Equifax and TransUnion, get this information. And anyone else can pay a small fee and do a search to find bankruptcy records.
Phishing is when an identity thief pretends to be your bank, your employer, a business, or somebody else, and tries to trick you into giving them your personal information. An identity thief may use phone calls, emails, regular mail, or fake websites to get your information.
Non-profit credit counsellors are people who can give you advice about how to manage your debts and money. Usually, the goal is to help a person repay their debt, or avoid bankruptcy. Non-profit credit counsellors do not make money from the people they are trying to help, but may charge fees to help cover their costs.
A minimum payment is the smallest amount of money that you must pay on a debt or bill each month in order to avoid late fees and to keep a good credit history. The minimum payment amount is set by the creditor based upon how much you owe.
Fraud is when you lie, cheat, improperly use someone else’s personal information, or break the law to get money or a personal benefit. Committing fraud is a crime.
If you have debts that you owe because of fraud, you cannot get rid of them by filing for bankruptcy. For example, if you lie to a bank about your income to get a credit card...
A discharge ends the bankruptcy process. It happens when you’re released from most of your unsecured debts.
If you do not have to go to court for your discharge, it’s called an automatic discharge.
If you do have to go to court, a judge decides if you can be discharged from your bankruptcy.