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.
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/
Alberta Resources
This web resource produced by Calgary Legal Guidance discusses things to consider when you are buying goods.
Canada/Federal
Consolidated Credit Counseling Services of Canada is a registered charity. They provide credit counselling and debt management services for Canadians. Their mission is to assist individuals and families in ending financial crises and to help them solve money management problems through education, motivation, and professional counselling.
When you apply for a credit card, you are entering into a contract. Like any contract, it is legally binding and gives each party certain rights and responsibilities.
On this page you will find information on:
- Your right to information
- Cancelling your credit card
- Unsolicited credit card cheques
- Joint or shared cards
- What you should do if you feel your rights are not being respected
This web page has information about your legal responsibilities when you have a joint or shared credit card. It describes how authorized users (or secondary users) can affect you and your liabilities.
Follow CPLEA