Frequently Asked Questions
If your taxes are relatively simple, a volunteer at a free tax clinic may be able to help you complete and file your taxes. Tax clinics are usually offered in March and April of each year throughout Canada. In 2022, some community organizations are also hosting free virtual tax clinics.
The Canada Revenue Agency (CRA) may call you if they need to discuss your tax or benefit situation—for example, if you owe taxes, did not file a tax return, or . However, there are many scams out there involving a caller who pretends to be from the CRA in order to get personal or financial information from you.
Before giving any personal or financial information to a caller, you should first verify that they are actually calling from the CRA. To do this, you should:
There are also some “red flags” to look out for that could indicate the caller is a scammer. These include:
For more information and other things to look out for, visit the Canada Revenue Agency website here.
There is an implied warranty that retail goods are fit for the purpose for which they are sold, unless a specific defect was mentioned upon the sale. If the store refuses to address the problem, you can contact the Consumers’ Bureau of Manitoba for assistance or consider court action.
There are certain exceptions to the general rule of no expiry dates for gift cards. If the gift card is for a specific good or service, like a manicure, there may be an expiry date provided. Also, if the gift card was given without any payment (i.e., promotional item) it also may contain an expiry date.
For more information, visit https://www.gov.mb.ca/justice/cp/cpo/info/cards.html
A dealership must provide you with a Certificate of Inspection (or “safety”) if they are selling you a used vehicle. A Certificate of Inspection ensures that a vehicle meets minimum equipment and performance standards before it can be driven. If the vehicle is new, you should receive a New Vehicle Information Statement.
For more information, visit https://www.mpi.mb.ca/Pages/about-vehicle-safety.aspx
Yes. You have 7 days to cancel the contract, not including Sundays or holidays. To cancel the contract, you must give notice in writing to the gym, clearly saying that you are canceling the contract. You must personally give the notice to the gym at their business address or send it by registered mail to that address.
Yes. Businesses are not required to offer a refund or exchange policy. Unless the item is defective or inadequate for the purpose of which it was sold, the business does not have to consider taking the item back.
None. There is no “cooling off” period after you agree to buy a car from a dealer. Once you sign a contract to buy the car, you have to follow through with what you agreed to. If there is a problem, contact the dealer where you bought the car and explain it to them. They may be willing to deal with you. If you are still not satisfied, contact the Consumer’s Bureau. They might be able to help you find a solution that satisfies both you and the dealer.
You have 10 days from the day you get a statement of cancellation rights from the seller.
If you want to cancel the contract, give written notice to the seller. The notice should clearly say that you are canceling the contract. Give the notice by mail, fax or in person. It is a good idea to make sure that you have proof that you gave the notice.
Once the contract is canceled, you are entitled to get back any money you paid for the sale, and any goods you gave as a trade-in. For more information, contact the Consumers Bureau.
A collection agent can contact you at your place of employment. However, if the contact becomes frequent or harassing in nature, you may want to speak to the Consumer Protection Office about your concerns. The Consumer Protection Office is in charge of licensing collection agents in the province of Manitoba. They can be reached at:
A collection agent cannot contact you to demand payment on a Sunday or a holiday. They cannot contact you on any other day of the week before 7:00 a.m. or after 9:00 p.m.
Yes. When you co-sign a loan, you are just as responsible for the loan as the person who received the money. If the person you signed for cannot or does not repay the loan, you will have to.
You can contact Community Financial Counselling Services for help with creditor negotiations at (204) 989-1900 or toll-free at 1-888-573-2383.
If you voluntarily claim bankruptcy, you must obtain the services of a trustee in bankruptcy. A listing of trustees can be found in your local yellow pages. You can also contact the Office of the Superintendent of Bankruptcy for a referral at (204) 983-3229, or use their online search tool at http://www.ic.gc.ca/app/osb/tds/search.html?lang=eng.