https://wiki.clicklaw.bc.ca/api.php?action=feedcontributions&user=LauraC&feedformat=atomClicklaw Wikibooks - User contributions [en]2024-03-29T05:03:21ZUser contributionsMediaWiki 1.37.2https://wiki.clicklaw.bc.ca/index.php?title=Laura_Cox&diff=13607Laura Cox2013-06-13T16:12:26Z<p>LauraC: </p>
<hr />
<div>{{Contributor<br />
| bio = '''Laura Cox''' is the Customer Services Coordinator at Consumer Protection BC.<br />
<br />
Laura helps with the <span class="noglossary">review</span> of the ''[[Consumer Law Wikibook]]'' from People's Law School.<br />
<br />
| name = Laura Cox<br />
| image = [[image:Laura_Cox.jpg|150px|left|link=|Laura Cox]]<br />
| organization = Consumer Protection BC<br />
| website = [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]<br />
}}<br />
[[Category:Contributor Bio|Cox]]</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Laura_Cox&diff=13606Laura Cox2013-06-13T16:09:33Z<p>LauraC: </p>
<hr />
<div>{{Contributor<br />
| bio = '''Laura Cox''' is the Customer Services Coordinator at Consumer Protection BC.<br />
<br />
Laura helps with the <span class="noglossary">review</span> of the ''[[Consumer Law Wikibook]]'' from People's Law School.<br />
<br />
| name = Laura Cox<br />
| image = [[image:Laura Cox.jpg|150px|left|link=|Laura Cox]]<br />
| organization = Consumer Protection BC<br />
| website = [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]<br />
}}<br />
[[Category:Contributor Bio|Cox]]</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Joan_Harmsworth&diff=13605Joan Harmsworth2013-06-13T16:08:26Z<p>LauraC: </p>
<hr />
<div>{{Contributor<br />
| bio = '''Joan Harmsworth''' is the Manager of Consumer Relations at Consumer Protection BC.<br />
<br />
Joan helps with the <span class="noglossary">review</span> of the ''[[Consumer Law Wikibook]]'' from People's Law School.<br />
<br />
| name = Joan Harmsworth<br />
| image = [[image:Joan_Harsmworth.JPG|150px|left|link=|Laura Cox]]<br />
| organization = Consumer Protection BC<br />
| website = [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]<br />
}}<br />
[[Category:Contributor Bio|Harmsworth]]</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Joan_Harmsworth&diff=13604Joan Harmsworth2013-06-13T16:07:15Z<p>LauraC: </p>
<hr />
<div>{{Contributor<br />
| bio = '''Joan Harmsworth''' is the Manager of Consumer Relations at Consumer Protection BC.<br />
<br />
Joan helps with the <span class="noglossary">review</span> of the ''[[Consumer Law Wikibook]]'' from People's Law School.<br />
<br />
| name = Joan Harmsworth<br />
| image = [[image:Joan Harsmworth.JPG|150px|left|link=|Laura Cox]]<br />
| organization = Consumer Protection BC<br />
| website = [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]<br />
}}<br />
[[Category:Contributor Bio|Harmsworth]]</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Joan_Harmsworth&diff=13603Joan Harmsworth2013-06-13T16:05:55Z<p>LauraC: </p>
<hr />
<div>{{Contributor<br />
| bio = '''Joan Harmsworth''' is the Manager of Consumer Relations at Consumer Protection BC.<br />
<br />
Joan helps with the <span class="noglossary">review</span> of the ''[[Consumer Law Wikibook]]'' from People's Law School.<br />
<br />
| name = Joan Harmsworth<br />
| image = [[image:Joan Harsmworth.jpg|150px|left|link=|Laura Cox]]<br />
| organization = Consumer Protection BC<br />
| website = [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]<br />
}}<br />
[[Category:Contributor Bio|Harmsworth]]</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=File:Laura_Cox.JPG&diff=13602File:Laura Cox.JPG2013-06-13T16:02:05Z<p>LauraC: </p>
<hr />
<div></div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=File:Joan_Harmsworth.JPG&diff=13601File:Joan Harmsworth.JPG2013-06-13T16:00:57Z<p>LauraC: </p>
<hr />
<div></div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Problems_with_Debt&diff=10873Problems with Debt2013-04-25T22:31:15Z<p>LauraC: </p>
<hr />
<div>{{Consumer Law Wikibook TOC}}<br />
Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.<br />
<br />
==Where do I start?==<br />
<br />
To deal with a ''debt'' problem, you first need to work out how much money you owe. To do this, make a list of all the people and companies you owe money to (your ''creditors''). <br />
<br />
[[File:ConsumerLawGuidePage10A.jpg|300px|thumb|right|link=]] <br />
You need to collect the following information for each debt:<br />
* the name and address of the creditor,<br />
* the name of the person you have been dealing with at each company,<br />
* the <span class="noglossary">account</span> or reference number, and<br />
* a copy of the original loan agreement you signed.<br />
<br />
It is a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.<br />
<br />
==What do I put in my budget?==<br />
The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.<br />
<br />
[[File:ConsumerLawGuidePage11A.jpg|300px|thumb|right|link=]] <br />
'''Income:''' List all the income for your household. Make sure that the amounts are realistic. Include all of your current sources of income:<br />
* wages,<br />
* disability assistance,<br />
* social assistance,<br />
* a family member’s or partner’s income,<br />
* gifts,<br />
* child tax credits / benefits,<br />
* pensions and old age security,<br />
* GST refunds.<br />
<br />
'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic. Figure out all of your expenses on a weekly, monthly, or seasonal basis. Make sure you remember to include personal expenses, such as loans, restaurant meals or gym memberships, and household expenses, such as rent, groceries, cable, and utilities. When you make a list of your expenses, think about whether you may be able to make any cutbacks. If you can make cutbacks, this <span class="noglossary">will</span> make more money available for you to pay back your debts. <br />
<br />
When you have listed all your income and expenses, add up the figures and see if you have any money to spare to pay your creditors. If you have any money to spare, decide which debts are the most urgent ones, and which debts are less urgent. Pay off the most urgent debts right away. Then make a plan for how you are going to pay the less urgent debts.<br />
<br />
[[File:ConsumerLawGuidePage11B.jpg|300px|thumb|right|link=]]<br />
<br />
==What can a Credit Counseller do to help me?==<br />
<br />
You may wish to <span class="noglossary">contact</span> a Credit Counsellor for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided. <br />
<br />
You can <span class="noglossary">contact</span> a credit counsellor they <span class="noglossary">will</span> look at your finances with you, and suggest options. They may be able to help you get into a debt repayment program to help you pay off your debt.<br />
<br />
==How do I <span class="noglossary">contact</span> my creditors and what do I say?==<br />
<br />
===Step 1: Write a short letter to each of your creditors===<br />
You need to provide enough information so that your creditors understand your financial difficulty. Tell your creditors that you would like to pay your debt but cannot do so in full right now. You could offer to pay them an amount you can afford if you have the money to do so. If you have to stop making payments, let your creditors know about your financial situation and that you <span class="noglossary">will</span> tell them when it changes.<br />
<br />
=== Step 2: Attach any relevant documents===<br />
<br />
If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:<br />
<br />
* A letter from your doctor if you have health problems that affect your income.<br />
* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.<br />
* Documents that show changes in your family. For example, you may have a new child or you may be taking care of an elderly <span class="noglossary">parent</span>.<br />
[[File:ConsumerLawGuidePage10B.jpg|200px|thumb|right|link=]]<br />
<br />
=== Step 3: Attach your budget===<br />
Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.<br />
<br />
''Send your letter, any documents, and budget to your creditors by registered mail or fax or email''. You want proof that they received it.<br />
<br />
=== Step 4: Keep notes===<br />
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.<br />
<br />
==Debt collectors==<br />
Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.<br />
<br />
For more information about debt collectors, contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the [[Sources of Help for Consumers]] section.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Making_a_Purchase&diff=9405Making a Purchase2013-04-18T18:57:41Z<p>LauraC: /* Step 3: File a complaint */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}Suppose you bought something and you are not satisfied with it. What can you do? You have the right to make a complaint when something that you bought:<br />
* did not do what it said it would do, or<br />
* was not of satisfactory quality, or<br />
* was not as described.<br />
<br />
However, you also have the responsibility to find out a store's policies before you buy, and take proper care of things you buy and follow the <span class="noglossary">instructions</span> to use them.<br />
<br />
==How do I start a complaint?==<br />
<br />
===Step 1: Collect the information===<br />
<br />
For example:<br />
* Prepare a description of the ''goods'' you bought. This can include anything the seller said to you about the goods, anything the seller advertised, or anything the seller gave you in writing.<br />
* How much you paid, and receipts or other proofs of purchase.<br />
* Copies of any documents, for example, a ''warranty''.<br />
* Details of the problem: <br />
** what the problem is with the goods you bought, <br />
** when you first noticed the problem, and<br />
** how long you have had the goods, or if you have not had the goods at all, when you were supposed to receive them?<br />
<br />
[[File:ConsumerLawGuidePage3.jpg|thumb|200px|right|link=]]<br />
<br />
===Step 2: Be ready to keep notes on what happens===<br />
<br />
* ''Who'' did you talk to? (Ask for the person's name or <span class="noglossary">title</span> — sales clerk, manager, etc.)<br />
* ''When'' did you talk to them?<br />
* ''What'' did you tell them: <br />
**about the problem, and <br />
**about what you want them to do?<br />
* ''What'' did they say to you?<br />
* ''What'' was the next step that: <br />
**you said you would take, or <br />
**they said they would take?<br />
<br />
===Step 3: Let the company know you have a problem===<br />
<br />
The first step is to find the right person to talk to about the problem. You may <span class="noglossary">contact</span> the store or company in person or you may make a phone call. Have your information with you. You could start with something like this:<br />
<br />
<blockquote>''My name is __________. I would like to make a complaint about the product I bought from your company. Could you direct me to the person who handles complaints?''</blockquote><br />
<br />
They may tell you that you have to make your complaint in writing. If they do this, ask for the name and address you send the letter to. <br />
<br />
The Canadian Consumer Information Gateway has a Complaint Roadmap, an information tool that provides a step-by-step approach to help you present your complaint to a business. The Roadmap includes a sample complaint letter that you can use to develop your letter. Visit [http://www.consumerinformation.ca www.consumerinformation.ca] and look under "Complaint Roadmap".<br />
<br />
==Steps to make a complaint==<br />
<br />
There are three steps to make your complaint. You can use them if you make a complaint in person, by phone, or by letter.<br />
<br />
===Step 1: Explain the problem===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I bought my'' _________________ (the item you purchased) ''on'' ____________(date), ''at'' ____________(location). ''The model number is _________________. I am contacting you because the product is:'' (choose one) <br />
<br />
:* ''not working right''<br />
:* ''cannot do what it is meant to do'' </blockquote><br />
<br />
[[File:ConsumerLawGuidePage4.jpg|thumb|300px|right|link=]]<br />
===Step 2: Explain what you want===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I think it is only fair that you:'' (choose one)<br />
:* ''replace the product'' <br />
:* ''provide me with a refund'' <br />
:* ''repair the product free of charge''<br />
</blockquote><br />
<br />
The person from the store or company may agree to do what you ask for. In this <span class="noglossary">case</span>, ask ''when'' they <span class="noglossary">will</span> do this.<br />
<br />
If the person does not agree to do what you ask for, ask to speak to the manager of the company or to the head office. Get the phone number or the address.<br />
If you do not get what you want from the store or company, tell them what you <span class="noglossary">will</span> do next. You can say something like this: <br />
<br />
<blockquote>''I still hope we can reach an agreement on this. If not, I <span class="noglossary">will</span> stop buying from your company and I <span class="noglossary">will</span> tell other people about this problem. If I do not hear from you by''____________ (give a date)'' my next step <span class="noglossary">will</span> be to:'' (choose one or more)<br />
<br />
:* ''file a complaint with the Better Business Bureau''<br />
:* ''<span class="noglossary">contact</span> Consumer Protection BC'' </blockquote><br />
<br />
Then give your details:<br />
<blockquote><br />
*''You can reach me at'' ____________(your address). ''I'll be waiting to hear from you by'' ____________(date). <br />
</blockquote><br />
<br />
If you do not hear back, take the next step. Do what you have told the store or company you <span class="noglossary">will</span> do.<br />
<br />
===Step 3: File a complaint===<br />
<br />
If you still do not get a satisfactory response from the store or company, you can file a complaint. One option you have for filing a complaint is the Better Business Bureau (BBB), which receives complaints about local businesses. Visit [http://mbc.bbb.org/consumers mbc.bbb.org/consumers] and look under "Complaints".<br />
<br />
You may also <span class="noglossary">contact</span> Consumer Protection BC for [http://www.consumerprotectionbc.ca/consumers-alias/resolving-problems information] and [http://www.consumerprotectionbc.ca/consumers-alias/help-for-how-can-we-help referrals] on where you may file a complaint about a specific business type.<br />
<br />
==Small Claims Court==<br />
<br />
If you cannot solve the problem, your next step may be to make a claim in ''Small Claims Court''. To find out how to make a claim in Small Claims Court, go to [http://www.clicklaw.bc.ca www.clicklaw.bc.ca], and type in "Small Claims" in the search box. The site links you to a [http://www.clicklaw.bc.ca/resource/1514 video about Small Claims Court] available in Chinese, Punjabi, Vietnamese, and English, among other resources.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Making_a_Purchase&diff=9404Making a Purchase2013-04-18T18:51:39Z<p>LauraC: /* Step 3: File a complaint */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}Suppose you bought something and you are not satisfied with it. What can you do? You have the right to make a complaint when something that you bought:<br />
* did not do what it said it would do, or<br />
* was not of satisfactory quality, or<br />
* was not as described.<br />
<br />
However, you also have the responsibility to find out a store's policies before you buy, and take proper care of things you buy and follow the <span class="noglossary">instructions</span> to use them.<br />
<br />
==How do I start a complaint?==<br />
<br />
===Step 1: Collect the information===<br />
<br />
For example:<br />
* Prepare a description of the ''goods'' you bought. This can include anything the seller said to you about the goods, anything the seller advertised, or anything the seller gave you in writing.<br />
* How much you paid, and receipts or other proofs of purchase.<br />
* Copies of any documents, for example, a ''warranty''.<br />
* Details of the problem: <br />
** what the problem is with the goods you bought, <br />
** when you first noticed the problem, and<br />
** how long you have had the goods, or if you have not had the goods at all, when you were supposed to receive them?<br />
<br />
[[File:ConsumerLawGuidePage3.jpg|thumb|200px|right|link=]]<br />
<br />
===Step 2: Be ready to keep notes on what happens===<br />
<br />
* ''Who'' did you talk to? (Ask for the person's name or <span class="noglossary">title</span> — sales clerk, manager, etc.)<br />
* ''When'' did you talk to them?<br />
* ''What'' did you tell them: <br />
**about the problem, and <br />
**about what you want them to do?<br />
* ''What'' did they say to you?<br />
* ''What'' was the next step that: <br />
**you said you would take, or <br />
**they said they would take?<br />
<br />
===Step 3: Let the company know you have a problem===<br />
<br />
The first step is to find the right person to talk to about the problem. You may <span class="noglossary">contact</span> the store or company in person or you may make a phone call. Have your information with you. You could start with something like this:<br />
<br />
<blockquote>''My name is __________. I would like to make a complaint about the product I bought from your company. Could you direct me to the person who handles complaints?''</blockquote><br />
<br />
They may tell you that you have to make your complaint in writing. If they do this, ask for the name and address you send the letter to. <br />
<br />
The Canadian Consumer Information Gateway has a Complaint Roadmap, an information tool that provides a step-by-step approach to help you present your complaint to a business. The Roadmap includes a sample complaint letter that you can use to develop your letter. Visit [http://www.consumerinformation.ca www.consumerinformation.ca] and look under "Complaint Roadmap".<br />
<br />
==Steps to make a complaint==<br />
<br />
There are three steps to make your complaint. You can use them if you make a complaint in person, by phone, or by letter.<br />
<br />
===Step 1: Explain the problem===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I bought my'' _________________ (the item you purchased) ''on'' ____________(date), ''at'' ____________(location). ''The model number is _________________. I am contacting you because the product is:'' (choose one) <br />
<br />
:* ''not working right''<br />
:* ''cannot do what it is meant to do'' </blockquote><br />
<br />
[[File:ConsumerLawGuidePage4.jpg|thumb|300px|right|link=]]<br />
===Step 2: Explain what you want===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I think it is only fair that you:'' (choose one)<br />
:* ''replace the product'' <br />
:* ''provide me with a refund'' <br />
:* ''repair the product free of charge''<br />
</blockquote><br />
<br />
The person from the store or company may agree to do what you ask for. In this <span class="noglossary">case</span>, ask ''when'' they <span class="noglossary">will</span> do this.<br />
<br />
If the person does not agree to do what you ask for, ask to speak to the manager of the company or to the head office. Get the phone number or the address.<br />
If you do not get what you want from the store or company, tell them what you <span class="noglossary">will</span> do next. You can say something like this: <br />
<br />
<blockquote>''I still hope we can reach an agreement on this. If not, I <span class="noglossary">will</span> stop buying from your company and I <span class="noglossary">will</span> tell other people about this problem. If I do not hear from you by''____________ (give a date)'' my next step <span class="noglossary">will</span> be to:'' (choose one or more)<br />
<br />
:* ''file a complaint with the Better Business Bureau''<br />
:* ''<span class="noglossary">contact</span> Consumer Protection BC'' </blockquote><br />
<br />
Then give your details:<br />
<blockquote><br />
*''You can reach me at'' ____________(your address). ''I'll be waiting to hear from you by'' ____________(date). <br />
</blockquote><br />
<br />
If you do not hear back, take the next step. Do what you have told the store or company you <span class="noglossary">will</span> do.<br />
<br />
===Step 3: File a complaint===<br />
<br />
If you still do not get a satisfactory response from the store or company, you can file a complaint. One option you have for filing a complaint is the Better Business Bureau (BBB), which receives complaints about local businesses. Visit [http://mbc.bbb.org/consumers mbc.bbb.org/consumers] and look under "Complaints".<br />
<br />
You may also <span class="noglossary">contact</span> Consumer Protection BC for information and referrals on where you may file a complaint about a specific business type."[http://www.consumerprotectionbc.ca/consumers-alias/resolving-problems Consumer Protection BC]"<br />
<br />
==Small Claims Court==<br />
<br />
If you cannot solve the problem, your next step may be to make a claim in ''Small Claims Court''. To find out how to make a claim in Small Claims Court, go to [http://www.clicklaw.bc.ca www.clicklaw.bc.ca], and type in "Small Claims" in the search box. The site links you to a [http://www.clicklaw.bc.ca/resource/1514 video about Small Claims Court] available in Chinese, Punjabi, Vietnamese, and English, among other resources.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Making_a_Purchase&diff=9403Making a Purchase2013-04-18T18:50:42Z<p>LauraC: /* Step 3: File a complaint */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}Suppose you bought something and you are not satisfied with it. What can you do? You have the right to make a complaint when something that you bought:<br />
* did not do what it said it would do, or<br />
* was not of satisfactory quality, or<br />
* was not as described.<br />
<br />
However, you also have the responsibility to find out a store's policies before you buy, and take proper care of things you buy and follow the <span class="noglossary">instructions</span> to use them.<br />
<br />
==How do I start a complaint?==<br />
<br />
===Step 1: Collect the information===<br />
<br />
For example:<br />
* Prepare a description of the ''goods'' you bought. This can include anything the seller said to you about the goods, anything the seller advertised, or anything the seller gave you in writing.<br />
* How much you paid, and receipts or other proofs of purchase.<br />
* Copies of any documents, for example, a ''warranty''.<br />
* Details of the problem: <br />
** what the problem is with the goods you bought, <br />
** when you first noticed the problem, and<br />
** how long you have had the goods, or if you have not had the goods at all, when you were supposed to receive them?<br />
<br />
[[File:ConsumerLawGuidePage3.jpg|thumb|200px|right|link=]]<br />
<br />
===Step 2: Be ready to keep notes on what happens===<br />
<br />
* ''Who'' did you talk to? (Ask for the person's name or <span class="noglossary">title</span> — sales clerk, manager, etc.)<br />
* ''When'' did you talk to them?<br />
* ''What'' did you tell them: <br />
**about the problem, and <br />
**about what you want them to do?<br />
* ''What'' did they say to you?<br />
* ''What'' was the next step that: <br />
**you said you would take, or <br />
**they said they would take?<br />
<br />
===Step 3: Let the company know you have a problem===<br />
<br />
The first step is to find the right person to talk to about the problem. You may <span class="noglossary">contact</span> the store or company in person or you may make a phone call. Have your information with you. You could start with something like this:<br />
<br />
<blockquote>''My name is __________. I would like to make a complaint about the product I bought from your company. Could you direct me to the person who handles complaints?''</blockquote><br />
<br />
They may tell you that you have to make your complaint in writing. If they do this, ask for the name and address you send the letter to. <br />
<br />
The Canadian Consumer Information Gateway has a Complaint Roadmap, an information tool that provides a step-by-step approach to help you present your complaint to a business. The Roadmap includes a sample complaint letter that you can use to develop your letter. Visit [http://www.consumerinformation.ca www.consumerinformation.ca] and look under "Complaint Roadmap".<br />
<br />
==Steps to make a complaint==<br />
<br />
There are three steps to make your complaint. You can use them if you make a complaint in person, by phone, or by letter.<br />
<br />
===Step 1: Explain the problem===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I bought my'' _________________ (the item you purchased) ''on'' ____________(date), ''at'' ____________(location). ''The model number is _________________. I am contacting you because the product is:'' (choose one) <br />
<br />
:* ''not working right''<br />
:* ''cannot do what it is meant to do'' </blockquote><br />
<br />
[[File:ConsumerLawGuidePage4.jpg|thumb|300px|right|link=]]<br />
===Step 2: Explain what you want===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I think it is only fair that you:'' (choose one)<br />
:* ''replace the product'' <br />
:* ''provide me with a refund'' <br />
:* ''repair the product free of charge''<br />
</blockquote><br />
<br />
The person from the store or company may agree to do what you ask for. In this <span class="noglossary">case</span>, ask ''when'' they <span class="noglossary">will</span> do this.<br />
<br />
If the person does not agree to do what you ask for, ask to speak to the manager of the company or to the head office. Get the phone number or the address.<br />
If you do not get what you want from the store or company, tell them what you <span class="noglossary">will</span> do next. You can say something like this: <br />
<br />
<blockquote>''I still hope we can reach an agreement on this. If not, I <span class="noglossary">will</span> stop buying from your company and I <span class="noglossary">will</span> tell other people about this problem. If I do not hear from you by''____________ (give a date)'' my next step <span class="noglossary">will</span> be to:'' (choose one or more)<br />
<br />
:* ''file a complaint with the Better Business Bureau''<br />
:* ''<span class="noglossary">contact</span> Consumer Protection BC'' </blockquote><br />
<br />
Then give your details:<br />
<blockquote><br />
*''You can reach me at'' ____________(your address). ''I'll be waiting to hear from you by'' ____________(date). <br />
</blockquote><br />
<br />
If you do not hear back, take the next step. Do what you have told the store or company you <span class="noglossary">will</span> do.<br />
<br />
===Step 3: File a complaint===<br />
<br />
If you still do not get a satisfactory response from the store or company, you can file a complaint. One option you have for filing a complaint is the Better Business Bureau (BBB), which receives complaints about local businesses. Visit [http://mbc.bbb.org/consumers mbc.bbb.org/consumers] and look under "Complaints".<br />
<br />
You may also <span class="noglossary">contact</span> Consumer Protection BC for information and referrals on where you may file a complaint about a specific business type."[http://www.consumerprotectionbc.ca/consumers-alias/help-for-how-can-we-help Consumer Protection BC]" and select "Resolving Problems".<br />
<br />
==Small Claims Court==<br />
<br />
If you cannot solve the problem, your next step may be to make a claim in ''Small Claims Court''. To find out how to make a claim in Small Claims Court, go to [http://www.clicklaw.bc.ca www.clicklaw.bc.ca], and type in "Small Claims" in the search box. The site links you to a [http://www.clicklaw.bc.ca/resource/1514 video about Small Claims Court] available in Chinese, Punjabi, Vietnamese, and English, among other resources.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Making_a_Purchase&diff=9402Making a Purchase2013-04-18T18:49:49Z<p>LauraC: /* Step 3: File a complaint */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}Suppose you bought something and you are not satisfied with it. What can you do? You have the right to make a complaint when something that you bought:<br />
* did not do what it said it would do, or<br />
* was not of satisfactory quality, or<br />
* was not as described.<br />
<br />
However, you also have the responsibility to find out a store's policies before you buy, and take proper care of things you buy and follow the <span class="noglossary">instructions</span> to use them.<br />
<br />
==How do I start a complaint?==<br />
<br />
===Step 1: Collect the information===<br />
<br />
For example:<br />
* Prepare a description of the ''goods'' you bought. This can include anything the seller said to you about the goods, anything the seller advertised, or anything the seller gave you in writing.<br />
* How much you paid, and receipts or other proofs of purchase.<br />
* Copies of any documents, for example, a ''warranty''.<br />
* Details of the problem: <br />
** what the problem is with the goods you bought, <br />
** when you first noticed the problem, and<br />
** how long you have had the goods, or if you have not had the goods at all, when you were supposed to receive them?<br />
<br />
[[File:ConsumerLawGuidePage3.jpg|thumb|200px|right|link=]]<br />
<br />
===Step 2: Be ready to keep notes on what happens===<br />
<br />
* ''Who'' did you talk to? (Ask for the person's name or <span class="noglossary">title</span> — sales clerk, manager, etc.)<br />
* ''When'' did you talk to them?<br />
* ''What'' did you tell them: <br />
**about the problem, and <br />
**about what you want them to do?<br />
* ''What'' did they say to you?<br />
* ''What'' was the next step that: <br />
**you said you would take, or <br />
**they said they would take?<br />
<br />
===Step 3: Let the company know you have a problem===<br />
<br />
The first step is to find the right person to talk to about the problem. You may <span class="noglossary">contact</span> the store or company in person or you may make a phone call. Have your information with you. You could start with something like this:<br />
<br />
<blockquote>''My name is __________. I would like to make a complaint about the product I bought from your company. Could you direct me to the person who handles complaints?''</blockquote><br />
<br />
They may tell you that you have to make your complaint in writing. If they do this, ask for the name and address you send the letter to. <br />
<br />
The Canadian Consumer Information Gateway has a Complaint Roadmap, an information tool that provides a step-by-step approach to help you present your complaint to a business. The Roadmap includes a sample complaint letter that you can use to develop your letter. Visit [http://www.consumerinformation.ca www.consumerinformation.ca] and look under "Complaint Roadmap".<br />
<br />
==Steps to make a complaint==<br />
<br />
There are three steps to make your complaint. You can use them if you make a complaint in person, by phone, or by letter.<br />
<br />
===Step 1: Explain the problem===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I bought my'' _________________ (the item you purchased) ''on'' ____________(date), ''at'' ____________(location). ''The model number is _________________. I am contacting you because the product is:'' (choose one) <br />
<br />
:* ''not working right''<br />
:* ''cannot do what it is meant to do'' </blockquote><br />
<br />
[[File:ConsumerLawGuidePage4.jpg|thumb|300px|right|link=]]<br />
===Step 2: Explain what you want===<br />
<br />
You can say something like this: <br />
<br />
<blockquote>''I think it is only fair that you:'' (choose one)<br />
:* ''replace the product'' <br />
:* ''provide me with a refund'' <br />
:* ''repair the product free of charge''<br />
</blockquote><br />
<br />
The person from the store or company may agree to do what you ask for. In this <span class="noglossary">case</span>, ask ''when'' they <span class="noglossary">will</span> do this.<br />
<br />
If the person does not agree to do what you ask for, ask to speak to the manager of the company or to the head office. Get the phone number or the address.<br />
If you do not get what you want from the store or company, tell them what you <span class="noglossary">will</span> do next. You can say something like this: <br />
<br />
<blockquote>''I still hope we can reach an agreement on this. If not, I <span class="noglossary">will</span> stop buying from your company and I <span class="noglossary">will</span> tell other people about this problem. If I do not hear from you by''____________ (give a date)'' my next step <span class="noglossary">will</span> be to:'' (choose one or more)<br />
<br />
:* ''file a complaint with the Better Business Bureau''<br />
:* ''<span class="noglossary">contact</span> Consumer Protection BC'' </blockquote><br />
<br />
Then give your details:<br />
<blockquote><br />
*''You can reach me at'' ____________(your address). ''I'll be waiting to hear from you by'' ____________(date). <br />
</blockquote><br />
<br />
If you do not hear back, take the next step. Do what you have told the store or company you <span class="noglossary">will</span> do.<br />
<br />
===Step 3: File a complaint===<br />
<br />
If you still do not get a satisfactory response from the store or company, you can file a complaint. One option you have for filing a complaint is the Better Business Bureau (BBB), which receives complaints about local businesses. Visit [http://mbc.bbb.org/consumers mbc.bbb.org/consumers] and look under "Complaints".<br />
<br />
You may also <span class="noglossary">contact</span> Consumer Protection BC for information and referrals on where you may file a complaint about a specific business type."[http://www.consumerprotectionbc.ca/consumers-alias/help-for-how-can-we-help Help for Consumers]" and select "Resolving Problems".<br />
<br />
==Small Claims Court==<br />
<br />
If you cannot solve the problem, your next step may be to make a claim in ''Small Claims Court''. To find out how to make a claim in Small Claims Court, go to [http://www.clicklaw.bc.ca www.clicklaw.bc.ca], and type in "Small Claims" in the search box. The site links you to a [http://www.clicklaw.bc.ca/resource/1514 video about Small Claims Court] available in Chinese, Punjabi, Vietnamese, and English, among other resources.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Problems_with_Debt&diff=9401Problems with Debt2013-04-18T18:43:55Z<p>LauraC: /* Debt collectors */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}<br />
Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.<br />
<br />
==Where do I start?==<br />
<br />
To deal with a ''debt'' problem, you first need to work out how much money you owe. To do this, make a list of all the people and companies you owe money to (your ''creditors''). <br />
<br />
[[File:ConsumerLawGuidePage10A.jpg|300px|thumb|right|link=]] <br />
You need to collect the following information for each debt:<br />
* the name and address of the creditor,<br />
* the name of the person you have been dealing with at each company,<br />
* the <span class="noglossary">account</span> or reference number, and<br />
* a copy of the original loan agreement you signed.<br />
<br />
It is a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.<br />
<br />
==What do I put in my budget?==<br />
The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.<br />
<br />
[[File:ConsumerLawGuidePage11A.jpg|300px|thumb|right|link=]] <br />
'''Income:''' List all the income for your household. Make sure that the amounts are realistic. Include all of your current sources of income:<br />
* wages,<br />
* disability assistance,<br />
* social assistance,<br />
* a family member’s or partner’s income,<br />
* gifts,<br />
* child tax credits / benefits,<br />
* pensions and old age security,<br />
* GST refunds.<br />
<br />
'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic. Figure out all of your expenses on a weekly, monthly, or seasonal basis. Make sure you remember to include personal expenses, such as loans, restaurant meals or gym memberships, and household expenses, such as rent, groceries, cable, and utilities. When you make a list of your expenses, think about whether you may be able to make any cutbacks. If you can make cutbacks, this <span class="noglossary">will</span> make more money available for you to pay back your debts. <br />
<br />
When you have listed all your income and expenses, add up the figures and see if you have any money to spare to pay your creditors. If you have any money to spare, decide which debts are the most urgent ones, and which debts are less urgent. Pay off the most urgent debts right away. Then make a plan for how you are going to pay the less urgent debts.<br />
<br />
[[File:ConsumerLawGuidePage11B.jpg|300px|thumb|right|link=]]<br />
<br />
==What can the Credit Counseling Society do to help me?==<br />
<br />
You may wish to <span class="noglossary">contact</span> the Credit Counseling Society for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided. <br />
<br />
You can <span class="noglossary">contact</span> the Credit Counseling Society online at [http://www.nomoredebts.org www.nomoredebts.org]. They <span class="noglossary">will</span> look at your finances with you, and suggest options. You can call them toll-free at 1-888-527-8999. The Society may be able to help you get into a debt repayment program to help you pay off your debt.<br />
<br />
==How do I <span class="noglossary">contact</span> my creditors and what do I say?==<br />
<br />
===Step 1: Write a short letter to each of your creditors===<br />
You need to provide enough information so that your creditors understand your financial difficulty. Tell your creditors that you would like to pay your debt but cannot do so in full right now. You could offer to pay them an amount you can afford if you have the money to do so. If you have to stop making payments, let your creditors know about your financial situation and that you <span class="noglossary">will</span> tell them when it changes.<br />
<br />
=== Step 2: Attach any relevant documents===<br />
<br />
If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:<br />
<br />
* A letter from your doctor if you have health problems that affect your income.<br />
* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.<br />
* Documents that show changes in your family. For example, you may have a new child or you may be taking care of an elderly <span class="noglossary">parent</span>.<br />
[[File:ConsumerLawGuidePage10B.jpg|200px|thumb|right|link=]]<br />
<br />
=== Step 3: Attach your budget===<br />
Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.<br />
<br />
''Send your letter, any documents, and budget to your creditors by registered mail or fax or email''. You want proof that they received it.<br />
<br />
=== Step 4: Keep notes===<br />
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.<br />
<br />
==Debt collectors==<br />
Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.<br />
<br />
For more information about debt collectors,contact Consumer Protection BC at [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the "[[Sources of Help for Consumers]]" section.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Problems_with_Debt&diff=9400Problems with Debt2013-04-18T18:43:28Z<p>LauraC: /* Debt collectors */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}<br />
Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.<br />
<br />
==Where do I start?==<br />
<br />
To deal with a ''debt'' problem, you first need to work out how much money you owe. To do this, make a list of all the people and companies you owe money to (your ''creditors''). <br />
<br />
[[File:ConsumerLawGuidePage10A.jpg|300px|thumb|right|link=]] <br />
You need to collect the following information for each debt:<br />
* the name and address of the creditor,<br />
* the name of the person you have been dealing with at each company,<br />
* the <span class="noglossary">account</span> or reference number, and<br />
* a copy of the original loan agreement you signed.<br />
<br />
It is a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.<br />
<br />
==What do I put in my budget?==<br />
The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.<br />
<br />
[[File:ConsumerLawGuidePage11A.jpg|300px|thumb|right|link=]] <br />
'''Income:''' List all the income for your household. Make sure that the amounts are realistic. Include all of your current sources of income:<br />
* wages,<br />
* disability assistance,<br />
* social assistance,<br />
* a family member’s or partner’s income,<br />
* gifts,<br />
* child tax credits / benefits,<br />
* pensions and old age security,<br />
* GST refunds.<br />
<br />
'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic. Figure out all of your expenses on a weekly, monthly, or seasonal basis. Make sure you remember to include personal expenses, such as loans, restaurant meals or gym memberships, and household expenses, such as rent, groceries, cable, and utilities. When you make a list of your expenses, think about whether you may be able to make any cutbacks. If you can make cutbacks, this <span class="noglossary">will</span> make more money available for you to pay back your debts. <br />
<br />
When you have listed all your income and expenses, add up the figures and see if you have any money to spare to pay your creditors. If you have any money to spare, decide which debts are the most urgent ones, and which debts are less urgent. Pay off the most urgent debts right away. Then make a plan for how you are going to pay the less urgent debts.<br />
<br />
[[File:ConsumerLawGuidePage11B.jpg|300px|thumb|right|link=]]<br />
<br />
==What can the Credit Counseling Society do to help me?==<br />
<br />
You may wish to <span class="noglossary">contact</span> the Credit Counseling Society for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided. <br />
<br />
You can <span class="noglossary">contact</span> the Credit Counseling Society online at [http://www.nomoredebts.org www.nomoredebts.org]. They <span class="noglossary">will</span> look at your finances with you, and suggest options. You can call them toll-free at 1-888-527-8999. The Society may be able to help you get into a debt repayment program to help you pay off your debt.<br />
<br />
==How do I <span class="noglossary">contact</span> my creditors and what do I say?==<br />
<br />
===Step 1: Write a short letter to each of your creditors===<br />
You need to provide enough information so that your creditors understand your financial difficulty. Tell your creditors that you would like to pay your debt but cannot do so in full right now. You could offer to pay them an amount you can afford if you have the money to do so. If you have to stop making payments, let your creditors know about your financial situation and that you <span class="noglossary">will</span> tell them when it changes.<br />
<br />
=== Step 2: Attach any relevant documents===<br />
<br />
If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:<br />
<br />
* A letter from your doctor if you have health problems that affect your income.<br />
* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.<br />
* Documents that show changes in your family. For example, you may have a new child or you may be taking care of an elderly <span class="noglossary">parent</span>.<br />
[[File:ConsumerLawGuidePage10B.jpg|200px|thumb|right|link=]]<br />
<br />
=== Step 3: Attach your budget===<br />
Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.<br />
<br />
''Send your letter, any documents, and budget to your creditors by registered mail or fax or email''. You want proof that they received it.<br />
<br />
=== Step 4: Keep notes===<br />
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.<br />
<br />
==Debt collectors==<br />
Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.<br />
<br />
For more information about debt collectors,contact Consumer Protection BC [http://www.consumerprotectionbc.ca www.consumerprotectionbc.ca]. Find more helpful information and links in the "[[Sources of Help for Consumers]]" section.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Problems_with_Debt&diff=9399Problems with Debt2013-04-18T18:42:58Z<p>LauraC: /* Debt collectors */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}<br />
Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.<br />
<br />
==Where do I start?==<br />
<br />
To deal with a ''debt'' problem, you first need to work out how much money you owe. To do this, make a list of all the people and companies you owe money to (your ''creditors''). <br />
<br />
[[File:ConsumerLawGuidePage10A.jpg|300px|thumb|right|link=]] <br />
You need to collect the following information for each debt:<br />
* the name and address of the creditor,<br />
* the name of the person you have been dealing with at each company,<br />
* the <span class="noglossary">account</span> or reference number, and<br />
* a copy of the original loan agreement you signed.<br />
<br />
It is a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.<br />
<br />
==What do I put in my budget?==<br />
The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.<br />
<br />
[[File:ConsumerLawGuidePage11A.jpg|300px|thumb|right|link=]] <br />
'''Income:''' List all the income for your household. Make sure that the amounts are realistic. Include all of your current sources of income:<br />
* wages,<br />
* disability assistance,<br />
* social assistance,<br />
* a family member’s or partner’s income,<br />
* gifts,<br />
* child tax credits / benefits,<br />
* pensions and old age security,<br />
* GST refunds.<br />
<br />
'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic. Figure out all of your expenses on a weekly, monthly, or seasonal basis. Make sure you remember to include personal expenses, such as loans, restaurant meals or gym memberships, and household expenses, such as rent, groceries, cable, and utilities. When you make a list of your expenses, think about whether you may be able to make any cutbacks. If you can make cutbacks, this <span class="noglossary">will</span> make more money available for you to pay back your debts. <br />
<br />
When you have listed all your income and expenses, add up the figures and see if you have any money to spare to pay your creditors. If you have any money to spare, decide which debts are the most urgent ones, and which debts are less urgent. Pay off the most urgent debts right away. Then make a plan for how you are going to pay the less urgent debts.<br />
<br />
[[File:ConsumerLawGuidePage11B.jpg|300px|thumb|right|link=]]<br />
<br />
==What can the Credit Counseling Society do to help me?==<br />
<br />
You may wish to <span class="noglossary">contact</span> the Credit Counseling Society for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided. <br />
<br />
You can <span class="noglossary">contact</span> the Credit Counseling Society online at [http://www.nomoredebts.org www.nomoredebts.org]. They <span class="noglossary">will</span> look at your finances with you, and suggest options. You can call them toll-free at 1-888-527-8999. The Society may be able to help you get into a debt repayment program to help you pay off your debt.<br />
<br />
==How do I <span class="noglossary">contact</span> my creditors and what do I say?==<br />
<br />
===Step 1: Write a short letter to each of your creditors===<br />
You need to provide enough information so that your creditors understand your financial difficulty. Tell your creditors that you would like to pay your debt but cannot do so in full right now. You could offer to pay them an amount you can afford if you have the money to do so. If you have to stop making payments, let your creditors know about your financial situation and that you <span class="noglossary">will</span> tell them when it changes.<br />
<br />
=== Step 2: Attach any relevant documents===<br />
<br />
If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:<br />
<br />
* A letter from your doctor if you have health problems that affect your income.<br />
* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.<br />
* Documents that show changes in your family. For example, you may have a new child or you may be taking care of an elderly <span class="noglossary">parent</span>.<br />
[[File:ConsumerLawGuidePage10B.jpg|200px|thumb|right|link=]]<br />
<br />
=== Step 3: Attach your budget===<br />
Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.<br />
<br />
''Send your letter, any documents, and budget to your creditors by registered mail or fax or email''. You want proof that they received it.<br />
<br />
=== Step 4: Keep notes===<br />
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.<br />
<br />
==Debt collectors==<br />
Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.<br />
<br />
For more information about debt collectors,contact Consumer Protection BC [http://www.consumerprotectionbc.ca]. Find more helpful information and links in the "[[Sources of Help for Consumers]]" section.<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Someone_Owes_You_Money&diff=9398Someone Owes You Money2013-04-18T18:38:41Z<p>LauraC: /* How do I collect my money if the judge decides in my favour? */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}<br />
Suppose you loaned someone an amount of money. They promised to pay the debt within three months. But they did not pay the debt. <br />
<br />
You want your money. What can you do? <br />
<br />
This section looks at what you can do to collect on a debt.<br />
<br />
==How do I write a demand letter?==<br />
<br />
You can write a ''demand letter'', which is a letter that says how much the person owes you and tells them they must pay you. For example, a demand letter about a loan can say something like this:<br />
<br />
<blockquote>''I am writing about a loan I made you of'' ______________(amount) ''on'' ______________(date of loan) ''for'' ______________(purpose of loan). ''Our agreement was that you would pay this loan in full by'' ______________(date of repayment). ''To date, you have not made any payments. It has now been'' ______________ (number of days) ''since the loan was due. The full amount of'' ______________(amount) ''is now due. If I do not receive payment in full by'' ______________(give a date), ''I <span class="noglossary">will</span> take legal action to recover the amount of the loan, as well as interest, filing fees, and any other costs. If you have any questions, please feel free to <span class="noglossary">contact</span> me at''______________ (your phone number).</blockquote><br />
<br />
You can write a demand letter yourself or you can ask a lawyer to write it for you. A demand letter sent on the lawyer’s letterhead is often very effective. If a demand letter does not work, you may need to go to court.<br />
<br />
[[File:ConsumerLawGuidePage8.jpg|200px|thumb|right|link=]]<br />
<br />
==When do I go to court?==<br />
<br />
You can go to Small Claims Court if the debt someone owes you is for $25,000 or less. If the debtor owes you more than the $25,000 limit, for example $28,000, you can make a claim for $25,000 plus some contribution for your expenses. <br />
<br />
Small Claims Court is for people who do not have a lawyer. There are Small Claims Courts located throughout the province. To find out how to make a claim in Small Claims Court, go to Clicklaw, online at [http://www.clicklaw.bc.ca www.clicklaw.bc.ca]. Type "Small Claims" in the search box. The site links you to a video about Small Claims Court, available in Chinese, Punjabi, Vietnamese, and English, among other resources.<br />
<br />
To collect more than $25,000, you have to go to BC’s Supreme Court. This is much more complicated and expensive than Small Claims Court. To find out how to make a claim in Supreme Court, go to [http://www.clicklaw.bc.ca www.clicklaw.bc.ca] and type "Supreme Court" in the search box. If you are in the Lower Mainland, you may wish to visit the [http://www.clicklaw.bc.ca/helpmap/service/1111 Vancouver Justice Access Centre] where staff can give you information about bringing a claim in Supreme Court. <br />
<br />
==Getting legal help from a lawyer==<br />
<br />
If you want to go to court, it would be a good idea to talk to a lawyer. Here are two places to <span class="noglossary">contact</span> for help:<br />
<br />
* '''Lawyer Referral Service''' is a program where you can get advice and information from a lawyer for a fee of $25 plus taxes for the first 30 minutes.To <span class="noglossary">contact</span> Lawyer Referral, call 604-687-3221 in Greater Vancouver or toll-free at 1-800-663-1919 from anywhere else in the province. More detailed information about the service is available on the [http://www.clicklaw.bc.ca/helpmap/service/1044 Clicklaw HelpMap].<br />
<br />
* '''Access Pro Bono''' is a program for people who cannot afford a lawyer and who cannot get legal aid. Access Pro Bono offers clinics across BC where experienced lawyers volunteer to provide free legal advice. Call 604-878-7400 in Greater Vancouver or toll-free at 1-877-762-6664 from anywhere else in the province. More information is available on their website at [http://www.accessprobono.ca www.accessprobono.ca] or the [http://www.clicklaw.bc.ca/helpmap/service/1040 Clicklaw HelpMap].<br />
<br />
===When should I speak to the lawyer?===<br />
<br />
''Do not wait'' until the day before trial before you start asking a lawyer about what to do in court. There are limits on the time you have to collect the debt through the court.<br />
<br />
[[File:ConsumerLawGuidePage9.jpg|200px|thumb|right|link=]]<br />
<br />
===How should I prepare for meeting with a lawyer?===<br />
<br />
Gather all the relevant facts and documents before you meet with the lawyer. You want to get the most out of your interview. Be ready to tell the lawyer the answers to these questions:<br />
<br />
* How did the debt come about?<br />
* What documents do you have that support your claim?<br />
* How much are you owed?<br />
* What is the repayment plan?<br />
* What information do you have about the ability of the debtor to pay?<br />
<br />
===How do I collect my money if the judge decides in my favour?===<br />
<br />
If the judge rules in your favour, the debtor is expected to pay up. But sometimes the debtor just ignores the judge. In this <span class="noglossary">case</span>, you may have to go back to court and ask the judge to force the debtor to pay the debt. For example, the judge can:<br />
<br />
* take money from the debtor’s wages,<br />
* have a court official seize the debtor’s property, or<br />
* make the debtor come to court to explain why he or she has not paid the debt.<br />
<br />
''Never try to take property or threaten a debtor. This is against the law.'' To find out more about debt collection law within BC please visit [http://www.consumerprotectionbc.ca/debt-portal Consumer Protection BC]<br />
<br />
==Additional resources==<br />
To find out more about debt collection law, visit [http://www.debtrightsbc.ca Consumer Protection BC's Debt website].<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraChttps://wiki.clicklaw.bc.ca/index.php?title=Someone_Owes_You_Money&diff=9397Someone Owes You Money2013-04-18T18:38:02Z<p>LauraC: /* How do I collect my money if the judge decides in my favour? */</p>
<hr />
<div>{{Consumer Law Wikibook TOC}}<br />
Suppose you loaned someone an amount of money. They promised to pay the debt within three months. But they did not pay the debt. <br />
<br />
You want your money. What can you do? <br />
<br />
This section looks at what you can do to collect on a debt.<br />
<br />
==How do I write a demand letter?==<br />
<br />
You can write a ''demand letter'', which is a letter that says how much the person owes you and tells them they must pay you. For example, a demand letter about a loan can say something like this:<br />
<br />
<blockquote>''I am writing about a loan I made you of'' ______________(amount) ''on'' ______________(date of loan) ''for'' ______________(purpose of loan). ''Our agreement was that you would pay this loan in full by'' ______________(date of repayment). ''To date, you have not made any payments. It has now been'' ______________ (number of days) ''since the loan was due. The full amount of'' ______________(amount) ''is now due. If I do not receive payment in full by'' ______________(give a date), ''I <span class="noglossary">will</span> take legal action to recover the amount of the loan, as well as interest, filing fees, and any other costs. If you have any questions, please feel free to <span class="noglossary">contact</span> me at''______________ (your phone number).</blockquote><br />
<br />
You can write a demand letter yourself or you can ask a lawyer to write it for you. A demand letter sent on the lawyer’s letterhead is often very effective. If a demand letter does not work, you may need to go to court.<br />
<br />
[[File:ConsumerLawGuidePage8.jpg|200px|thumb|right|link=]]<br />
<br />
==When do I go to court?==<br />
<br />
You can go to Small Claims Court if the debt someone owes you is for $25,000 or less. If the debtor owes you more than the $25,000 limit, for example $28,000, you can make a claim for $25,000 plus some contribution for your expenses. <br />
<br />
Small Claims Court is for people who do not have a lawyer. There are Small Claims Courts located throughout the province. To find out how to make a claim in Small Claims Court, go to Clicklaw, online at [http://www.clicklaw.bc.ca www.clicklaw.bc.ca]. Type "Small Claims" in the search box. The site links you to a video about Small Claims Court, available in Chinese, Punjabi, Vietnamese, and English, among other resources.<br />
<br />
To collect more than $25,000, you have to go to BC’s Supreme Court. This is much more complicated and expensive than Small Claims Court. To find out how to make a claim in Supreme Court, go to [http://www.clicklaw.bc.ca www.clicklaw.bc.ca] and type "Supreme Court" in the search box. If you are in the Lower Mainland, you may wish to visit the [http://www.clicklaw.bc.ca/helpmap/service/1111 Vancouver Justice Access Centre] where staff can give you information about bringing a claim in Supreme Court. <br />
<br />
==Getting legal help from a lawyer==<br />
<br />
If you want to go to court, it would be a good idea to talk to a lawyer. Here are two places to <span class="noglossary">contact</span> for help:<br />
<br />
* '''Lawyer Referral Service''' is a program where you can get advice and information from a lawyer for a fee of $25 plus taxes for the first 30 minutes.To <span class="noglossary">contact</span> Lawyer Referral, call 604-687-3221 in Greater Vancouver or toll-free at 1-800-663-1919 from anywhere else in the province. More detailed information about the service is available on the [http://www.clicklaw.bc.ca/helpmap/service/1044 Clicklaw HelpMap].<br />
<br />
* '''Access Pro Bono''' is a program for people who cannot afford a lawyer and who cannot get legal aid. Access Pro Bono offers clinics across BC where experienced lawyers volunteer to provide free legal advice. Call 604-878-7400 in Greater Vancouver or toll-free at 1-877-762-6664 from anywhere else in the province. More information is available on their website at [http://www.accessprobono.ca www.accessprobono.ca] or the [http://www.clicklaw.bc.ca/helpmap/service/1040 Clicklaw HelpMap].<br />
<br />
===When should I speak to the lawyer?===<br />
<br />
''Do not wait'' until the day before trial before you start asking a lawyer about what to do in court. There are limits on the time you have to collect the debt through the court.<br />
<br />
[[File:ConsumerLawGuidePage9.jpg|200px|thumb|right|link=]]<br />
<br />
===How should I prepare for meeting with a lawyer?===<br />
<br />
Gather all the relevant facts and documents before you meet with the lawyer. You want to get the most out of your interview. Be ready to tell the lawyer the answers to these questions:<br />
<br />
* How did the debt come about?<br />
* What documents do you have that support your claim?<br />
* How much are you owed?<br />
* What is the repayment plan?<br />
* What information do you have about the ability of the debtor to pay?<br />
<br />
===How do I collect my money if the judge decides in my favour?===<br />
<br />
If the judge rules in your favour, the debtor is expected to pay up. But sometimes the debtor just ignores the judge. In this <span class="noglossary">case</span>, you may have to go back to court and ask the judge to force the debtor to pay the debt. For example, the judge can:<br />
<br />
* take money from the debtor’s wages,<br />
* have a court official seize the debtor’s property, or<br />
* make the debtor come to court to explain why he or she has not paid the debt.<br />
<br />
''Never try to take property or threaten a debtor. This is against the law.'' to find out more about debt collection law please visit [http://www.consumerprotectionbc.ca/debt-portal Consumer Protection BC]<br />
<br />
==Additional resources==<br />
To find out more about debt collection law, visit [http://www.debtrightsbc.ca Consumer Protection BC's Debt website].<br />
<br />
{{REVIEWED | reviewer = [[People's Law School]], 2013}}<br />
<br />
{{Consumer Law Wikibook Navbox}}<br />
<br />
{{Creative Commons for PLS<br />
|title = Consumer Law Wikibook<br />
|author = <br />
}}</div>LauraC