glossary

Glossary

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Title: union
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A union is an organized group of workers that bargains with an employer to set conditions of employment, such as wages, hours of work, and overtime pay. Sometimes unions are called labour unions or trade unions.

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An unsecured creditor is a person or business you owe money to that does not have collateral. This means that if you don’t pay your debt, this creditor cannot automatically take any of your assets to pay for what you owe. Most credit card companies are unsecured creditors. But an unsecured creditor may be able to take your assets eventually, if they get a court judgment against you.

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An unsecured debt is money you owe a person or business that is not protected by collateral. This means that your creditor cannot take any of your assets if you don’t pay what you owe, unless they take you to court and get a judgment against you. Most credit cards are unsecured debts.

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A used car dealer is anyone who sells cars, trucks, or motorcycles as a business. Used car dealers must be registered with the Ontario Motor Vehicle Industry Council (OMVIC). Used car dealers must follow specific rules in Ontario.

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The Immigration and Refugee Board (IRB) makes a vacation order if it decides that a protected person got that status by "misrepresentation". This means that they said something that was not true or accurate, or they left out information that they were required to give. This applies only if the person would not have got protected status if they’d given the correct or missing information. If Canada Border Services Agency applies to the IRB for a vacation order, the protected person has the right to a hearing.

A vacation order can lead to a protected person being forced to leave Canada.

Title: variation
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A variation is a change to a court order or other legal document. Sometimes the court process that asks for a variation is also called a motion to change.

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Wage assignment is when you agree to let a person or business take money directly from your employment income to pay a debt. This is different from garnishment, which has to be ordered by a court.

Title: wages
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The Employment Standards Act says that wages include your regular salary, vacation pay, commissions, overtime, holiday pay, allowances for room and board, and termination pay. 

They don't include tips, employer contributions to a benefit plan, payments from a benefit plan, or expenses that an employer pays for, such as travel.

Title: waiver
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When you get a waiver, you're excused from something that's usually required.

For example, when you apply to become a Canadian citizen, you can ask Immigration, Refugees and Citizenship Canada (IRCC) to give you a waiver if you can't meet the requirements to:

  • know enough English or French, or
  • pass the citizenship test that shows your knowledge of Canada and what it means to be a Canadian citizen.
Title: warrant
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A warrant is a court order that tells a peace officer to do something such as arrest someone, seize something, or enforce a judicial order.

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