Consumer / Debts

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.

For more information about these clinics, visit the Government of Canada’s website here. You can also click here to find a clinic near you.

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.

The Consumer Protection office can be contacted by phone at (204) 945-3800, toll-free (outside of Winnipeg) at 1-800-782-0067, or by email at .

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.

For more information, contact the Consumers Bureau at (204) 945-3800, toll-free outside of Winnipeg at 1-800-782-0067, or by emailing .

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.

You can access your credit history by contacting Equifax Canada at 1-800-465-7166 (equifax.ca) or Trans Union Canada at 1-800-508-2597 (www.transunion.ca).

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:

• • Winnipeg: (204) 945-3800
  • Outside Winnipeg: 1-800-782-0067
  • https://www.gov.mb.ca/consumerinfo/index.html

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.

CanLII (or The Canadian Legal Information Institute) is a not-for-profit organization managed by the Federation of Law Societies of Canada. CanLII has a free database of legal information, including cases from each province and territory in Canada. You can search court decisions of various levels of court, tribunals, and administrative and regulatory bodies. There are also statutes and regulations available on the website, and legal commentary.

The Manitoba section of CanLII has court cases from the Manitoba Court of Appeal, Court of King’s Bench, and Provincial Court. There are decisions available from the Manitoba Human Rights Commission, Manitoba Labour Board, Manitoba Securities Commission, Manitoba Health Appeal Board, Labour Arbitration Awards, College of Physicians & Surgeons of Manitoba Discipline Committee, and the Manitoba Law Society Discipline Committee.

CanLII

http://www.canlii.org/en/mb/

The E.K. Williams Law Library at Robson Hall has a collection of legal resources available to the public. They are located at 224 Dysart Road at the University of Manitoba and can be reached at 204-474-9995.