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Your Legal Rights is a collection of legal information resources produced by hundreds of organizations across Ontario.

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Legal Topic: Debt and Consumer Rights

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Buying or leasing a used vehicle

This resource explains your rights when you buy or lease a used motor vehicle from a registered dealer. It tells you what information the dealer must give you, what must be in the written contract, and what you can do if a dealer breaks these rules or acts unfairly.

Format:

Booklet/PDF

Produced/Updated In:

2018

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Collection Agencies Tip Sheet

This tip sheet from the Community Advocacy and Legal Centre gives answers to these questions:

Available in:

English

Format:

Booklet/PDF

Produced/Updated In:

2018

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Credit repair

This publication explains the legal rules for businesses that promise to “fix” or repair credit reports. It also explains why these services may often not be worth paying for, and suggests other ways for people to deal with credit and debt problems.

Format:

Booklet/PDF, Web

Produced/Updated In:

2018

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Door-to-door sales

This publication explains your legal rights when someone tries to sell to you at your home or anywhere that isn’t their place of business. It explains what sellers must do and what they are not allowed to do, how you can cancel a contract, and where to get help to enforce your rights.

Format:

Booklet/PDF, Web

Produced/Updated In:

2018

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Identity theft

Identity thieves try to use your personal information to take money from your bank account, shop with your credit card, or even commit crimes in your name. This booklet explains how to spot the warning signs of identity theft, how to protect yourself, and what you can do if it happens to you.

Format:

Booklet/PDF, Web

Produced/Updated In:

2018

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Joining a gym or fitness club

Learn about your rights before you join a gym, fitness club and other personal development facility. The Ontario Ministry of Consumer Services has information about:

  • 10-day cooling-off periods
  • Membership fees
  • Renewing or cancelling your contract
  • Service guarantees
  • Tips on selecting a gym
  • Asking the right questions

Available in:

English, Français

Format:

Web

Produced/Updated In:

2018

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OMVIC Consumer Portal

This is the consumer portal on the OMVIC (Ontario Motor Vehicle Industry Council) website. It has information for consumers about how they are protected under the Motor Vehicles Dealers Act when they buy a car in Ontario. It explains consumer rights and remedies and offers tips and opportunities for learning about buying cars in Ontario.

Available in:

English

Format:

Web

Produced/Updated In:

2018

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Ontario Bar Association Videos

This series of online videos from the Ontario Bar Association were developed with the goal of raising awareness and understanding of the justice system in Ontario Topics include:

Available in:

English, Français

Format:

Video

Produced/Updated In:

2018

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Payday loans: An expensive way to borrow

This Government of Canada web page includes these topics: 

Available in:

English, Français

Format:

Web

Produced/Updated In:

2018

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Telephone and internet scams

Criminals use telephone and internet scams to trick people into giving them money or personal information like credit card and bank account numbers. This publication explains how to recognize and protect yourself against common scams, and what to do if you fall victim to a scam.

Format:

Booklet/PDF, Web

Produced/Updated In:

2018