Consumer and Debt Law

Cover of Consumer and Debt Law

Consumer and Debt Law from People's Law School is a problem-solving resource for legal advocates, paralegals and lawyers whose clients are having problems with consumer contracts and purchases or credit and debt issues.

Contents

Before You Begin

• Scope · How to Use · Client Options

Consumer Law

• • Contracts
    • Contracts Overview · Contract Defences · Opting Out & Cooling-off Periods · Contract Remedies  · Contracts Made by Minors
  • Making a Purchase
    • Sale of Goods Law · Deposits in Consumer Transactions · Misleading Advertising · Unfair or Deceptive Practices · Unsolicited Goods & Services · Leases
  • Buying Services
    • Travel Services · Repairers' Liens · Warehouse Liens · Lawyers' Fees

Debt Law

• • Borrowing Money
    • Types of Lenders & Creditors · Interest & the Cost of Borrowing  · Payday Loans · Co-signing, Guarantees & Joint Debts · Credit Insurance
  • Credit Reports & Credit Cards
    • Credit Reports & Ratings · Credit Cards
  • Mortgages & Secured Loans
    • Mortgages & Foreclosure · Prepayment Rights · Security Agreements
  • Dealing with Debt
    • Harassment · Collection Agents · Garnishment & Set-offs · Bailiffs & Sheriffs
  • Legal Actions
    • Fraudulent Conveyances & Preferences · Recovery of Goods · Tort Actions
  • Getting Out of Debt
    • Debtor’s Options for Getting Out of Debt · Assignments in Bankruptcy · Consumer & Ordinary Proposals · Orderly Payment of Debts

Court

• • Going to Court
    • Court Process · Limitations · Instalment Payment Orders · Foreign Claims & Judgments · Contempt of Court
  • Enforcing Court Judgments
    • Examination of Debtors · Enforcing Judgments Against Chattels · Enforcing Judgments Against Land · Stays of Enforcement

More

• • Laws & Cases
    • Consumer & Debt Laws · Cases
  • Where to Get Help
    • Agencies that Help · Other Resources
  • About People's Law School

Copyright & disclaimer

Consumer and Debt Law © People’s Law School is, except for the images, made available under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International Licence.

The 1996 to 2012 editions of Consumer Law and Credit/Debt Law were published by the Legal Services Society.

At People's Law School, we believe accurate, plain English information can help people take action to work out their legal problems. This publication explains in a general way the law that applies in British Columbia, Canada. It is not intended as legal advice. Legal advice applies the law to an individual's specific situation. If you want assurance that any information is appropriate to your specific situation, or recommendations on next steps with a specific legal problem, please contact a legal professional. Some sources of legal help are highlighted in the "Agencies that Help with Consumer and Debt Law" section.

Dedication

The 2018 edition of Consumer and Debt Law is dedicated to the late Allan Parker, QC. Allan was a respected lawyer, teacher, mentor and friend to poverty lawyers, paralegals and community advocates. He worked tirelessly to improve access to justice for the disadvantaged. Allan was pivotal in the development and updating of this publication. His many contributions to legal aid and pro bono work in BC will always be appreciated.

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About People's Law School

People's Law School is a non-profit society in British Columbia providing free education and information on the legal problems of daily life.