As BNPL gains popularity among Canadian shoppers, here are three things you should know about it plus some words of caution. You may notice that many online retailers (also known as merchants) now allow you to buy goods and services through a buy now, pay later (BNPL) option. Thinking of buying a … [Read more...]
Racial Profiling in the Retail Industry
Consumer racial profiling is usually built on the misconception that certain ethnic groups are more likely to shoplift than others. Consumer racial profiling is a serious issue that has not been researched enough in Canada. Different terms are used to characterize consumer racial profiling, such as … [Read more...]
New & Updated Resources at CPLEA – Vol. 42-6
LawNow has created a Department called New Resources at CPLEA, which is now a permanent addition to each issue. Each post will highlight what's new, updated/revised or popular at CPLEA. All resources are free and available for download. We hope that this will raise awareness of the many resources … [Read more...]
New & Updated Resources at CPLEA
LawNow has created a Department called New Resources at CPLEA, which is now a permanent addition to each issue. Each post will highlight what's new, updated/revised or popular at CPLEA. All resources are free and available for download. We hope that this will raise awareness of the many resources … [Read more...]
What Types of Proceedings Can You File Under the Bankruptcy & Insolvency Act?
The Bankruptcy & Insolvency Act regulates insolvency law in Canada. This legislation governs both business proceedings and personal procedures. In terms of personal insolvency, individuals have three basic legal measures available to them to obtain relief from creditors. The primary types of … [Read more...]
Superintendent of Bankruptcy Changes Designation to Licensed Insolvency Trustee
Individuals able to provide debt relief services under the Bankruptcy & Insolvency Act (BIA) in Canada are licensed by the federal government through the Office of the Superintendent of Bankruptcy (OSB). In December of 2015, the OSB announced a significant change in the designation of these … [Read more...]
How Debt Can Impact Your Ability To Sponsor An Immigrant To Canada
With the well-documented problems occurring now in many areas of the world, an increasing number of Canadians are considering sponsoring a relative or other person to immigrate to Canada. But is it possible to be a sponsor if you have debt? The answer is yes, but there are limitations. First, … [Read more...]
Do I Need A Lawyer To File For Bankruptcy?
If you are struggling with more debt than you can repay, you may be considering either bankruptcy or a consumer proposal to help you deal with those debts. If you are, then you need to speak with someone who is a licensed Bankruptcy Trustee; in Canada, that person is not a lawyer. A Bankruptcy … [Read more...]
Turning a Loss into a Win
I remember the morning well: my mother had asked me to bring in the mail, and as I was sorting through it, a bright envelope with the sentence, “You Are A Grande Prize Winner” caught my attention. My heart leapt; my family just won an astronomical amount of money! When I showed the envelope to my … [Read more...]
Canadian Regulation of Contests, Prizes and Games
Canadians like to participate in public, advertised contests and games. We compete for prizes. Most often we are unaware that the promoters of these events are governed by specific rules in relation to them. The law on contests, prizes and games is sometimes classified under marketing law. A … [Read more...]