This tipsheet from the Centre for Public Legal Education Alberta provides information about understanding debt, collection agencies, and paying back your debt. The pdf is available for free download or print copies can be ordered at no charge.
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Credit and debt
Credit is an arrangement to pay for goods and services at a later time. Common types of credit are bank loans, lines of credit, credit cards, finance agreements, and payday loans. Debt is money or goods or services owed by one person to another. This topic includes resources about obtaining and managing credit, collection agencies, arrangements to repay debts, and consequences of failing to repay debts.
Check out CPLEA's newest web resource Help with Debt. This webpage is for Albertans struggling with debt and looking for help.
All CPLEA's consumer law resouces are available here: https://www.cplea.ca/publications-and-resources/consumer-law/
This tipsheet from the Centre for Public Legal Education Alberta provides information about payday loans and Alberta law. The tipsheet is available for free download or print copies can be ordered at no charge.
This page on CPLEA's Canadian Legal FAQs website provides information for Albertan who find themselves in debt and are thinking of declaring bankruptcy Topics covered include: debt and debt control, options other than declaring bankruptcy, collection agencies and links to help and more information.
The Alberta Securities Commission is the regulatory agency responsible for administering the province’s securities laws. This page provides a link to "Spot the red flags" informaton on how to recognize and avoid investment scams.
Credit Counselling Society is an accredited member of Credit Counselling Canada (CCC), a national association of not-for-profit credit counselling agencies specializing in debt consolidation alternatives and credit counselling The Credit Counselling Society is nationally registered with the Canada Revenue Agency as a non-profit, charitable organization.
This online resource is from the Student Legal Services of Edmonton. Topics include: Credit and Personal Reporting; Dealing with Bill Collecting Agencies; What can happen if you do not pay your debts; and How can Student Legal Services help with debt issues?. This resource is also available to download as a PDF.
Money Mentors (formerly know as Credit Counseling Services of Alberta) is an Alberta-based public agency that is the exclusive provider of the OrderlyPayment of Debts program in Alberta as specified under the Federal Bankruptcy and Insolvency Act. They offer free credit counselling, money coaching, and financial education tto the community and K-12 students in Alberta. They are an accredited member of Credit Counselling Canada.
If you are experiencing financial difficulty, there may be other ways to handle your financial problems before filing personal bankruptcy. For example, you may speak with a loans manager at a bank and try to get a consolidation loan for your debts. This topic discusses personal bankruptcy..
REACH is Edmonton's Council for Safe Communities. REACH is a community-based organization working to mobilize and coordinate organizations, community groups and Edmontonians to find innovative solutions to prevention and community safety.
This is a guide on how to buy products and services in Alberta and contains information about your consumer rights. You will need to buy certain items and you will need to use certain services as you settle into as you start your new life in Alberta.