Consumer and debt – More legal information
Community Legal Education Ontario (CLEO) has many pamphlets on different consumer topics.
CLEOConnect provides information about consumer issues.
ACE (Advocacy Centre for the Elderly) has various publications for seniors.
Problems with collection agencies, creditors or businesses
If you are having problems with a cell phone contract, see our Cell Phone Contracts tip sheet.
Consumer Protection Ontario answers telephone inquiries and mediates written complaints between consumers and businesses. View their How to Make a Complaint page. They have free consumer guides and pamphlets. They cover areas such as:
- collection agencies
- credit reports
- car repairs
- home renovations and repairs
- pay day loans
- scams and identity theft
Read more about dealing with debt below and on our Other help page.
Dealing with debt
See our tip sheet: Consumer and Debt Local Resources.
Consumer fraud protection
See our various tip sheets on fraud:
- Identity Theft
- Paths to Justice – Scams
- Paths to Justice – Financial abuse – What it is, What to do about it
Government of Ontario – Report a Scam or Fraud – how to spot common consumer or financial scams, how to report it and what to do if you’ve been scammed
Canadian Anti-Fraud Centre – allows consumers to report on frauds and scams, including telemarketing scams, advance fee fraud (i.e. West African letters), internet scams and identification theft complaints. They have information on the types of fraud, how to report fraud and the spam reporting centre. See our tip sheet: Paths to Justice – Calling the Canadian Anti-Fraud Centre.
Office of the Privacy Commissioner of Canada – advocate for privacy rights of Canadians, offering information such as: identify theft fact sheets, how to report a privacy breach, protecting your SIN number and information and links on spam.
Consumer pamphlets and information
- Canadian Consumer Handbook
- Making a Consumer Complaint
- Protection from Frauds and Scams
- Identity Theft – Information for Consumers
Financial Consumer Agency of Canada (FCAC) gives information about financial products and services and information about rights and responsibilities when dealing with financial institutions. They ensure banks, trust, loan and insurance companies comply with the federal consumer protection laws. You can submit questions or complaints to them online. They offer information on many topics, including:
- Understanding your Credit Report and Credit Score
- Cashing Your Government of Canada Cheque for Free
- Lodging a Complaint
- Pay Day Loans
- Low Cost Accounts and No-Cost Accounts
- Dealing with Debt Collectors
Their page on energy contracts offers these tips:
- Before signing an energy contract – what you should consider
- After signing an energy contract – the right to review your decision
- Nearing the end of an energy contract – how renewals work
If you are having a problem with an energy supplier, view the Make a Complaint page.
- Low-Income Energy Assistance Program (LEAP)
- CALC Tip Sheet: How to apply for LEAP
- Ontario Electricity Support Program (OESP)
- CALC Tip Sheet: How to apply for OESP
Power of Sale and Foreclosure
If you have difficulty paying your mortgage, the lender might try to sell the property to get their money back.
You can contact the Law Society Referral Service to apply online for a 30 minute free consultation with a lawyer. For urgent matters, or if you don’t have access to the internet, call 1-855-947-5255.
You can find information on Power of Sale and foreclosure on: