By being well informed, you increase your chances of getting out of debt and restoring your financial stability. We therefore recommend below some essential links to help you better understand the maze of information on indebtedness and over-indebtedness.
The Bankruptcy and Insolvency Act
The Bankruptcy and Insolvency Act of Canada establishes a legislative framework, which allows any citizen or company to restructure its financial affairs with dignity following debt.
Many technical terms are used in the insolvency field. It is helpful to consult the definitions. For more information, visit the Minister of Justice website.
Office of the Superintendent of Bankruptcy
The Office of the Superintendent of Bankruptcy (OSB) is the organization that regulates bankruptcy and insolvency in Canada. It supervises Licensed Insolvency Trustee the implementation of the law. The OSB is an essential resource for legislation and is a source of comprehensive information on all debt-related issues.
Visit the Office of the Superintendent of Bankruptcy.
The Financial Consumer Agency of Canada
The Financial Consumer Agency of Canada website provides information on various financial products and services. It also discusses your rights when dealing with financial institutions.
Visit the Financial Consumer Agency of Canada.
This site provides information on your credit file including your credit rating, as well as on how to protect your personal information and shows you how to protect yourself from identity theft.
Visit Equifax Canada.
The Conseil des Syndics de Faillite du Québec
The Conseil des Syndics de Faillite du Québec (CSF), established in 1980, is the provincial association that brings together and represents Licensed Insolvency Trustee in Quebec. Making the representativeness of its members a priority, the CSF also ensures that the public is well informed.
Visit Le conseil des Syndics de faillite.
A global leader in credit information management, TransUnion Canada gives you access to your credit file and provides tips for improving your credit rating, as well as tips on how to protect yourself from identity theft.
Visit TransUnion Canada.
Canadian Association of Insolvency and Restructuring Professionals
The CAIRP is a non-profit organization created in 1979 to promote a fair, transparent and efficient administration of insolvency and restructuring across Canada.
This website alerts you whenever your data (name, company, credit card) are used on the Internet.
Réseau de protection du consommateur du Québec
This is a web-based network which comprises 25 consumer associations (in French).
Visit Le Réseau de protection du consommateur du Québec.
Autorité des Marchés Financiers
The Autorité des Marchés Financiers is the body mandated by the Government of Quebec to regulate the province’s financial markets and provide consumers with assistance related to financial products and services.
Visit Autorité des Marchés Financiers.
The Financial Consumer Agency of Canada
The FCAC is a federal agency responsible for administering the federal laws that protect consumers for financial services and for providing consumers with information about financial products and services, including bank accounts, credit cards, debit cards, loans, mortgages (hypothecs in Quebec), fraud and insurance.
Visit Financial Consumer Agency of Canada.
Office de la protection du consommateur
The OPC helps consumers make informed choices by providing information on their rights, obligations and remedies when they have a problem with a merchant.
Visit Office de la protection du consommateur.
Union des consommateurs du Québec
The mission of the Union des consommateurs du Quebec is to promote and defend the rights of consumers, especially from poor and disadvantaged households (in French).
Visit the Union des consommateurs du Québec.
Office of Consumer Affairs
Information to help you to understand consumer- and market-related issues.
Visit Office of Consumer Affairs.
Institut québécois de planification financière
The Institut québécois de planification financière is the only organization in Quebec authorized to grant financial planning diplomas and to establish rules concerning the ongoing professional development of professional financial planners.
Visit Institut québécois de planification financière.
A non-profit association for the promotion, defence and respect of the interests and rights of consumers.
Visit Option Consommateurs.
At What Cost? Access to Consumer Credit in a Post-Financial Crisis Canada
Visit At what cost?