Consumer and Debt

Consumer and Debt Law

Consumer law relates to the buying and selling of products and services.  Products include everything from small everyday items to big items like cars.  Services can include fitness club memberships, home repairs, car repairs, vacations, etc.

There are a variety of Consumer laws in Ontario.  The laws that may apply depend on the type of product or service.  The Ontario Ministry of Consumer Services website has links to Ontario consumer protection laws:  https://www.ontario.ca/consumers/consumer-protection-laws-ontario.

The Ontario Government website also includes:

I owe money / Je dois de l’argent guide

Our consumer debt guide for people in Ontario includes information about debt, collection agencies, bankruptcy, being sued in court, resources, getting legal help, and more.  The guide is available in English and French on our website:

If you are living with HIV and have questions about Consumer law, please contact us for information and referrals.

You can also contact:

Pro Bono Ontario provides legal information, resources and services for people in Ontario, including information about suing, being sued, Small Claims Court and the Superior Court of Justice:  www.probonoontario.org/.

Community Legal Education Ontario (CLEO) has booklets about consumer and credit topics that are available on-line and in print in English and French, including:

These CLEO publications are also available in French on the CLEO website: www.cleo.on.ca/fr/resources-and-publications/pubs?language=fr&field_legal_topic_tid_i18n=306.

Getting legal help

If you are living with HIV in Ontario and have questions about debt, please contact us for free legal advice, information and referrals.

If you live in Ontario, you can also contact your local Ontario community legal clinic www.legalaid.on.ca/clinics/.

Pro Bono Ontario provides legal information and resources, including information about suing, being sued, Small Claims Court and Superior Court of Justice: www.probonoontario.org/.

The Law Society Referral Service (LSRS) of the Law Society of Upper Canada is an on-line service that provides a referral to a lawyer or paralegal for an in-person or phone consultation of up to 30 minutes at no charge: www.lsuc.on.ca/lsrs. The LSRS crisis telephone for people in custody, in crisis, in a shelter or in a remote community without internet access is 416-947-5255 or toll-free 1-855-947-5255, Monday to Friday 9 am to 5 pm. For more information please see the Law Society Referral Service information on the Law Society of Upper Canada website: www.lsuc.on.ca/lsrs/.