Debt

If you're in debt and have fallen behind in your payments, these resources may help you understand your rights and help you deal with your situation.

The resources on this page were hand-picked by the Centre for Public Legal Education Alberta's staff as a good place to start.

You may also find helpful resources listed under these legal topics: Credit and debt, and Bankruptcy and foreclosure


Suggested Resources

These FAQs are provided by the Canadian Legal FAQs, a website of the Centre for Public Legal Education Alberta. They provide answers to questions about consumer law in Alberta including the Fair Trading Act, collections and debt repayment, cost of credit disclosure, and credit and personal reports. See also FAQs on Contracts and Consumer Information

Related legal topic(s): Consumer protection and fraud

This colourful infographic from the Centre for Public Legal Education Alberta provides information about understanding debt, collection agencies, and paying back your debt. The image file is available for free download or print copies can be ordered at no charge.

Related legal topic(s): Credit and debt

This colourful infographic from the Centre for Public Legal Education Alberta provides information about payday loans and Alberta law. The image file is available for free download or print copies can be ordered at no charge.

Related legal topic(s): Credit and debt

Alberta Resources

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.
Related legal topic(s): Credit and debt

This court procedure booklet is a guide for people who are bankrupt, but have not been granted a discharge from bankruptcy. If your trustee is no longer responsible for making another application for discharge, this guidebook will help you make your own application for discharge from bankruptcy

Related legal topic(s): Bankruptcy and foreclosure

Money Mentors (formerly known as Credit Counseling Services of Alberta) is an Alberta-based, not-for-profit organization which provides unbiased money and debt management resources. They offer personal money coaching, debt solutions, and on-line or group seminars.
Related legal topic(s): Credit and debt

This tip-sheet is from the Government of Alberta and describes the legal action a creditor may take if you do not pay your debts. (PDF - 8 pages)
Related legal topic(s): Credit and debt

Canada/Federal

Bankruptcy Canada was founded in 2004; contributors are trustees from regional and national firms in Canada. This site provides easy to understand facts and information about bankruptcy and its alternatives.

Related legal topic(s): Bankruptcy and foreclosure

Bankruptcy law in Canada (and generally elsewhere) is governed primarily by federal law and governs the process by which individuals and companies apply to court to be relieved of their debts (except for some debts, such as secured debts or those that have arisen through fraud). Bankruptcy can be voluntary (initiated by the person in debt) or involuntary (initiated by creditors of the debtor). Includes links to online sources of further information.
Related legal topic(s): Bankruptcy and foreclosure

This topic from Duhaime.org provides an introduction to Bankruptcy Law in Canada and related information.

Related legal topic(s): Bankruptcy and foreclosure

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