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Programs and services across Ontario - Debt and money problems
Programs and services across Ontario - Debt and money problems
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Consumer Protection Ontario helps you make a complaint against a business through the Ministry of Government and Consumer Services.
The Ministry deals with complaints against a variety of businesses, including stores, fitness centres and gyms, home renovation companies, wireless and phone companies, payday loan companies, debt settlement companies, and collection agencies.
Website
Contact Information
The hotline can give you 30 minutes of free legal help and advice over the telephone on civil law matters, which include:
- employment
- housing
- consumer issues
- Powers of Attorney
- corporate law for charities, non-profits, and small businesses
It doesn’t help with family law or criminal law problems.
The hotline generally accepts calls Monday to Friday between 9:30 a.m. and 12 noon, and from 1:00 p.m. to 4:00 p.m.
There are five Ontario Financial Empowerment Champions that can help people manage their finances. These are:
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EBO Financial Education Centre in Ottawa
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Family Service Thames Valley in London
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Sudbury Community Service Centre in Sudbury
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Thunder Bay Counselling in Thunder Bay
- WoodGreen Community Services in Toronto
Services include personalized financial coaching sessions, financial literacy workshops, and clinics to help people with their taxes.
Website
Contact Information
The association has a list of qualified credit counsellors and agencies from across Ontario. Credit counsellors at not-for-profit agencies help people who are in debt and have problems paying their bills. They help people review their finances, make a budget, deal with creditors, and improve their credit record.
Website
Contact Information
Credit Counselling Canada has an online tool to help you search for certified credit counsellors and agencies by postal code. Credit counsellors at not-for-profit agencies help people who are in debt and have problems paying their bills. They help people review their finances, make a budget, deal with creditors, and improve their credit record.
The Government of Canada has a list of licensed insolvency trustees. You can search by location. You must use a licensed insolvency trustee if you file for bankruptcy. They can also help you:
- decide if bankruptcy will work for you
- talk to you about options other than bankruptcy
- guide you through the bankruptcy process