Debtor and Creditor
A collection agent is harassing me. I can't pay the bill. What can I do?
Collection agents are supposed to write to you about the debt before they start calling. They are entitled to call to see if arrangements can be made for payment of all or part of the debt.
Collection agents are not allowed to:
• Call others except to find you or confirm employment.
• Make calls on Sundays, statutory holidays or between 9 p.m. to 7 a.m.
• Make repeated or harassing calls.
The collection agent said they would take our furniture if I did not pay today. Is it true?
Collection agents often make threats. However, they cannot seize your belongings or garnish your wages before obtaining a judgment in a court of law. In order to get a judgment they have to serve you with a Statement of Claim, so that you will have an opportunity to enter a Defence to the claim.
If the creditor or agent does get a judgment you still have protection for certain assets and income, including $11,300 dollars worth of household belongings, $5,650.00 worth of personal effects, $11,300 worth of tools necessary for your trade, and equity in your motor vehicle up to $5,650.00. As well, benefit payments from Ontario Disability Support Plan, Ontario Works, and Canada Pension Plan are protected, as are certain life insurance policies. Get legal advice for the details of your own situation.
How can I stop the harassment?
If the collection agent is harassing you with many calls or is rude or threatening:
• Refuse to talk to them. Hang up the phone. You do not have to talk to them!
• Get a complaint form from the Ministry of Consumer and Business Services. Complete the form and file it. You can find it on their web site: http://www.cbs.gov.on.ca/mcbs, or visit the nearest Ontario Government Information Centre.
• Write a letter to the creditor to advise them of the bad behaviour of their agent.
• Ask for the collection agent's name and license Number. (Many are unlicensed).
• If the harassment is really bad, call the police and make a complaint. The Criminal Code s. 372 prohibits harassment.
I want to make a payment but I can't pay all the debt now. The collection agent won't accept my offer.
Collection agents typically demand all the money today; their commission depends on it. If the agent will not agree to your offer, try contacting the creditor directly. If the creditor is a bank you should be able to make a payment at any branch.
If the creditor or agent is taking you to court, or if there is already a judgment in place, you can make your payments to the court office where the judgment was obtained. This will provide a clear record of all your payments.
I made an agreement to pay and I missed a payment. Now the collection agent says I owe all the money right away.
An agreement with your creditor or his agent is only a protection if you don't miss a payment. If you miss a payment you have broken the agreement, so only agree to what you know you will be able to pay.
How can I prove I made a payment?
Make all payments by cheque or money order. Never pay cash. Get a receipt as well, if you can.
I feel terrible that I cannot pay my debts, but there's nothing extra after we pay the rent and food.
Remember, it is the Collection Agent's job to make you feel bad, so that you will pay, even if you cannot afford to. You must decide for yourself what you can afford to pay on the debt.
Problems with Debt
My creditor has a judgment against me. What can he do to collect?
After judgment, a creditor can require you to come to a Judgment Debtor Examination, and can enforce payment by garnishee (usually of wages) and seizure (usually personal property, including money), and by registering a writ of execution against real property (land).
Is anything I have protected from seizure?
The Execution Act provides that the debtor’s goods are protected from seizure up to the following limits.
Household Goods - $11,300 (market value)
Personal Effects - $5,650
Tools of the Trade - $11,300
Motor Vehicle - $5,650
Certain life insurance policies and pensions
There are also special exemptions for farmers.
These limits are based on what the sheriff might get by seizing the goods and selling them. Because goods at sheriff’s sales go for very little, a lot of household goods are protected.
Is there any protection for my wages?
When your wages are garnisheed the usual amount deducted and sent to the sheriff is 20% of your wages net of taxes and statutory deductions. Either party may go to court to have the percentage changed. If you are experiencing hardship you can ask the court to reduce the amount taken.
Some monies are protected from garnishee and seizure – for example Canada Pension Plan benefits. Social Assistance monies are protected even when they are in the debtor’s bank account.
How can I clear the Debt?
If you have some money you may be able to come to terms with your creditor to pay in installments, or pay a lump sum to settle the debt,
If you have an agreement to pay installments and you miss a payment the settlement deal is cancelled and the creditor can again take any legal steps to collect the whole balance owing. So, only enter into such an agreement if you are sure you can make the payments.
I have too much debt. Should I declare bankruptcy?
First consider seeing a Credit Counseling agency. Non-profit agencies are the best bet. They may be able to negotiate an arrangement with your creditors for partial payment on all the debts.
Credit Counseling of Eastern Ontario
1300 Carling Ave Suite 209, Ottawa, ON, Canada
Phone: (613) 728-2041
If this does not solve your problems, have a consultation with a Bankruptcy Trustee, to decide if it makes sense for you.
Cost of a bankruptcy - $1,500.00 minimum fee, payable to the Trustee, in installments.
- Does not discharge secured debt (e.g. house mortgage, car loan that is secured with a lien).
- Does not discharge student loans for 7 years (can request discharge after 5).
- Does not discharge debts arising from fraud.
- Does not discharge family support arrears.
- Seven years on your credit rating, but you can usually start to get some credit within a year of discharge.
Small Claims Court
I have just received a Plaintiff’s Claim? What do I do?
Read the Claim over carefully. Do you agree that the Plaintiff is entitled to what is asked for? If so, you may decide not to enter a Defence at all, or you may use the Defence form to propose how you will make payment.
If you disagree with some or all of the Plaintiff’s Claim, you will need to file a Defence to Plaintiff’s Claim. This form and all the Small Claims Court Forms, are available at the Court Office or on the Attorney General’s web site - http://www.ontariocourtforms.on.ca/english/scc/.
You have twenty calendar days from when you were served with the Plaintiff’s Claim to file the Defence at the Court Office where the Claim was issued. The address of the court office is at the top of the Plaintiff’s Claim.
If you were served the Plaintiff’s Claim by mail, you have a total of forty days from when it was mailed.
To file the Defence to Plaintiff’s Claim, you must provide at least two copies of the form to the Small Claims Court office. You must pay a fee of $40.00 unless your income is low enough to qualify for a fee waiver. Cheques are made payable to the Minister of Finance.
I have a claim against someone. Can I sue them in Small Claims Court?
You can sue someone in Small Claims Court for money owed to you as a result of a contract or a tort (a ‘wrong’ done to you either intentionally or negligently) or for the return of personal property.
The current upper limit is $25,000. If your claim is for more than the limit, you can list all that you believe is owing to you in your Plaintiff’s Claim, and then indicate that you abandon any amounts over the limit.
How do I start an action in Small Claims Court?
You must prepare a Plaintiff’s Claim and take it to the Small Claims Court office to be issued. It must be the Court Office in the area where the Defendant lives, or in the area where the facts that are the basis of your claim occurred.
The cost to file a Plaintiff's Claim is $75.00. The cheque is to be made payable to the Minister of Finance. You can ask that the fee be waived for financial reasons.
You have to take three copies of your Plaintiff’s Claim to the Court office to be issued. You must then serve a copy on the defendant, and then complete and file an Affidavit of Service, which confirms that the Defendant was served.
What is the Small Claims Process?
After the Defendant has filed a Defence to Plaintiff’s Claim, the court will schedule a Settlement Conference. Before the Conference the parties are to give each other a list of their witnesses and copies of any documents they want to use at the trial. The judge at the Settlement Conference will review the case and encourage the parties to settle. The judge at the Settlement Conference can make orders about the case, including an order delivery of documents that were not provided. The judge has the power to dismiss the claim at the Settlement Conference.
If the matter is not settled, the Plaintiff can have the matter set down for trial, paying another $100. The court office will then set a trial date and the trial should proceed on that day.
I cannot go to court on the day that is set. What do I do?
If you fail to show up you may have your case decided against you in your absence. Ask the other party to agree to an adjournment. Advise the Court office of your need to adjourn and send them the written consent of the other party.
I got a letter in the mail from a lawyer for one of my creditors. There is a “Plaintiff’s Claim” enclosed, but it is set in a court far away, and there are no details in the “Reasons” part of the claim. What do I do?
Some lawyers acting for large companies send out form letters with what looks like a completed Plaintiff’s Claim to try to intimidate the person receiving the letter into paying. These dummy Plaintiff’s Claims have no claim number and typically say they are started in the jurisdiction where the lawyer works, not where the Defendant lives. There are no details in the “Reasons” section,
If you wonder if the Claim is real, get legal advice.
I just got a Copy of a Judgment against me. I did not know that I was being sued. What do I do?
If you did not get actual service of the Plaintiff’s Claim, or Notice of the Trial Date, you can bring a Motion to the court to set aside the Judgment and have a trial. You must not delay in doing this.
What help can I get from the Legal Clinic?
The Renfrew County Legal Clinic can advise you on your Claim or Defence. If you qualify financially, we can provide ongoing support, including drafting the reasons for your claim or defence, serving the claim, and advising you on what to do at the Settlement Conference and at Trial. We can help you draft a Motion to Set Aside a Default Judgment. In some cases we will provide full representation.
Small Claims Court Offices in Renfrew County:
297 Pembroke Street East,
Pembroke, ON K8A 3K2
Renfrew (open Friday)
315 Raglan Street South, Box 386,
Renfrew, ON K7V 4A6
I lost my job. It’s a union shop. Who can help me?
If you are represented by a union, only they can take on the employer through the grievance procedures. You cannot sue the employer yourself in court.
If you believe your union has really failed to help you, you can file a complaint to the Ontario Labour Board (www.olrb.gov.on.ca ) saying that the union failed in its duty to provide fair representation.
I believe that my human rights were denied. What can I do?
A Human Rights Issue arises when there is discrimination on basis of handicap, race, sexual harassment, etc.
Human rights issues can be raised in union grievances, court and tribunal process or in a compliant to the Ontario Human Rights Tribunal.
I was not in a union. I believe I was terminated without cause. Should I make a claim to the Department of Labour or should I sue?
You can make a claim with the Employment Standards Branch of the Department of Labour (www.labour.gov.on.ca/es) if you believe your employer has breached the provisions of the Employment Standards Act, including failing to give you the legally required notice of dismissal, or pay in lieu of notice.
Suing in a court for wrongful dismissal may mean a much larger award, because the common law often finds that there is a longer notice period than in the Employment Standards Act. If you do file a claim with Employment Standards and then decide you want to sue, you must withdraw the claim within two weeks. You should not delay in getting advice.
Does Ontario’s Employment Standards Branch deal with all claims?
Some areas of employment come under the Canada Labour Code:
• marine shipping, ferry and port services
• air transportation, including airports, aerodromes and airlines
• railway and road transportation that involves crossing provincial or international borders
• canals, pipelines, tunnels and bridges (crossing provincial borders)
• telephone, telegraph and cable systems
• radio and television broadcasting
• grain elevators, feed and seed mills
• uranium mining and processing
• businesses dealing with the protection of fisheries as a natural resource
• many First Nation activities
• most federal Crown corporations
• private businesses necessary to the operation of a federal act
To make a claim you will have to contact the Federal Government’s Labour Program (http://www.hrsdc.gc.ca/eng/labour/employment_standards/index.shtml). Your right to sue in a court is the same.
If I sue can I get my job back?
A court will not order your employer to take you back. If the court finds you were dismissed without cause and without due notice, it may give you judgment for pay in lieu of notice, and sometimes will award other damages as well. An arbitrator in a union grievance may order you reinstated, and the Human Rights Tribunal can also do this.
What is discrimination?
Treating someone unfairly may be discrimination if the unfair treatment is because of one of the characteristics or grounds listed below.
Characteristics or Grounds
- Unfair treatment because you are black.
- Unfair treatment because your background is Polish.
- Unfair treatment because your background is Polish.
- Unfair treatment because you were born in a country other than Canada.
- Unfair treatment because you are Aboriginal.
- Unfair treatment because you are Muslim.
- Receipt of social assistance (housing only)
- Refused rental accommodation only because you receive social assistance.
- Unfair treatment because you are gay.
- Unfair treatment because you are not married.
- Unfair treatment because you have children.
- Record of offenses (employment only, must have been pardoned)
- Fired because you had a criminal record, but you have a pardon for it.
- Unfair treatment because you are too old or too young.
- Unfair treatment because you have a mental or physical difficulty.
- Unfair treatment because you are pregnant.
Discriminatory treatment includes:
Denying someone a benefit, excluding someone from an opportunity, and/or imposing a different obligation on someone because of a characteristic listed above.
Discrimination can happen even if the employer, landlord or service provider does not mean to discriminate. It can also be discrimination if, for example, an employer, landlord or service provider fails to consider the special needs of an employee, tenant or customer where their needs are linked to one of the 7 characteristics in the Ontario Human Rights Code.
Where do I file or respond to a Ontario Human Rights Complaint?
The Human Rights Tribunal (“Tribunal”) of Ontario is responsible for all claims of discrimination filed under the Ontario Human Rights Code. You may print the forms and sign them or complete them online and file them electronically.
Contact Information for the Tribunal:
Toll Free : 1-866-598-0322
TTY (Toll Free): 1-866-607-1240
Fax (Toll Free): 1-866-355-6099
Are all complaints dealt with by the Human rights Tribunal of Ontario?
If you have a Human Rights Complaints about federal government departments and agencies, Crown corporations, banks, airlines, and other federally regulated employers and service providers then you have to file your Complaint with the Canadian Human Rights Commission. If you're not sure whether your complaint is against a "federally regulated" organization, contact the Renfrew County Legal Clinic or the Canadian Human Rights Commission. (CHRC)
This process is different then the Human Rights Tribunal of Ontario and it is posted on their website at www.chrc-ccdp.ca.
Contact Information for the Canadian Human Rights Commission in Ottawa:
Telephone: (613) 995-1707
TTY: (613) 947-1070
Fax: (613) 995-3484
How long do I have to make a Human Rights Complaint?
You only have one year from the last incident of discrimination to file a Human Rights Complaint with the Human Rights Tribunal of Ontario or the Canadian Human Rights Commission.
How do I file a complaint with the Human Rights Tribunal of Ontario?
Complaints must be made using the Tribunal Application forms. The forms must be physically or electronically signed. All of the forms are located at the following internet address:
Guides are also available online to assist you in completing the forms.
You may submit/ send your Application to the Tribunal only once. You may choose to do this online by clicking “submit”, by faxing it or mailing it to the Tribunal. The Tribunal will serve a copy of your Complaint on the other party, otherwise called the Respondent.
Should I agree to mediation?
Mediation is voluntary which means both parties must agree to mediation. It is confidential. You are allowed to have a legal representative with you in mediation. The mediator is hired by the Tribunal to try and settle some or all of the issues raised in the application. If settlement is reached, then it is binding on the parties. Do not settle any other claims you may have without first receiving legal advice.
What happens if mediation is unsuccessful or the other party does not agree to mediation?
If you are not able to resolve all of the issues in the complaint then the Tribunal will schedule a Hearing date. You have up until the Hearing starts to settle the complaint.
Who can I ask for advice?
You may contact the Renfrew County Legal Clinic, the Human Rights Legal Support Centre, a private lawyer, or a licensed paralegal for legal advice or assistance.
Renfrew County Legal Clinic
Local: (613) 432-8146
Toll Free: 1-800-267-5871
Human Rights Legal Support Centre is located in Toronto. However, they provide service to all of Ontario.
Toll Free: 1-866—625-5179
TTY Toll Free: 1-866 612-8627
Landlord and Tenant
Landlord and Tenant Law in Ontario
Am I protected by the Residential Tenancies Act (“RTA”)?
The RTA applies to most rental housing in Ontario. Contact the Renfrew County Legal Clinic if your situation is not identified in the list below.
Examples of when the RTA may apply:
1. You rent an apartment, mobile home, or a house;
2. You rent the site that your mobile home or land lease home sits on;
3. You are a roomer or boarder and do NOT share a kitchen or bathroom with the owner or close family member of the owner;
3. You live in a “care home”, for example a retirement or rest home.
Examples of when the RTA may not apply:
1. Certain kinds of student housing;
2. Temporary rehabilitation centres;
3. Temporary stays at hotels, motels, or seasonal housing;
4. You share a kitchen or bathroom with the owner or a close family member of the owner;
5. You are living in a place that is suppose to be used for business.
If my tenancy agreement is not in writing is it still legal?
Yes. An oral agreement is legally enforceable so be sure that you are clear about what you are agreeing to. However, some conditions in your agreement may not be enforceable such as “no pets allowed.” If you have any questions get legal advice.
Landlords are required to give new tenants a brochure from the Landlord and Tenant Board called “Information for New Tenants.” This brochure tells you about the Landlord and Tenant Board and about your legal rights and responsibilities. This brochure is located on the Landlord and Tenant Board website at:
I do not really know who my landlord is. How can I find out?
Your landlord is required to give you their legal name and address. You do not have to pay rent until that information is provided to you. However, as soon as your landlord gives you their legal name and contact information, you are required to pay any rent that you withheld.
Can I be evicted in the winter?
Yes. The Landlord and Tenant Board may make an order evicting anyone in the winter so long as the proper process has been followed and the reason for the eviction is recognized under the RTA.
Can my landlord evict me if I complain about noise or a repair problem?
Your landlord cannot evict you simply because you are enforcing your rights under the RTA. There are specific grounds listed in the RTA that may result in an eviction order from the Landlord and Tenant Board. Some examples of grounds for eviction are:
1. Rental arrears;
2. Substantial interference or harassment of another tenant and possibly the landlord;
3. Illegal act;
4. Impairment of safety;
5. Landlord or their immediate family member, or care giver personally requires your rental unit;
6. Demolition or extensive repairs that require a building permit and vacant possession of the rental unit;
7. Wilful damage to the rental unit.
Your landlord can only evict you by obtaining an order from the Landlord and Tenant Board. An order evicting you can only be enforced by the Sheriff. The police cannot evict you.
I received a notice that says I must move out. Is this an order? Do I have to move out by the termination date on the notice?
No. You do not have to move out by the termination date in the notice. All of the notices to terminate or end a tenancy are located on the Landlord and Tenant Board website. Your landlord is required to use one of these notices because they contain important information about your rights. Read your notice carefully.
What happens if I do not move out after I receive a Notice of Termination?
If you do not move out your landlord may file an application with the Landlord and Tenant Board requesting your eviction. A Hearing at the Landlord and Tenant Board will be scheduled and you will receive a Notice of Hearing. Your landlord cannot evict you without an order from the Landlord and Tenant Board.
There is a process that your landlord must follow when trying to evict you. If your landlord has not followed the process correctly, you may not be evicted. Therefore, it is important that you keep all of the notices you receive and any other documentation given to you by your landlord. Be sure to write down the date you received the notice.
I have asked my landlord to repair my rental unit and little or nothing has been done. What do I do?
You need to put your request for repairs in writing. Put your name, address and date on the letter. List all of the repairs that need to be done. Also, state when you first told your landlord about the repairs and give your landlord two weeks to correct the problems. Keep a copy of the letter for yourself as you may need it later as evidence. You can mail, fax, drop off your letter or personally hand your letter to your landlord. You do not have to send it by registered mail.
It has been at least two weeks since I gave my landlord a letter stating my repair problems and nothing is being done. What is the next step?
You can decide to bring an application against your landlord to the Landlord and Tenant Board. If you choose this option you need to take photographs and have them developed in time for your Hearing. If you have witnesses you need them to attend the Hearing. A letter from them is not good enough.
You may also decide to contact your local building and/or health inspectors as well as the Electrical Safety Authority. They are free. You must notify your landlord of the repair problems in writing before requesting an inspection. An inspector or the Electrical Safety Authority may make an order requiring your landlord to correct some and possibly all of the problems. They cannot order that you be compensated.
If your community does not have a municipal inspector you need to contact the Investigations and Enforcement Unit and lay a complaint. They can hire an inspector to come to your unit to do an inspection. All inspectors are free of charge.
Investigations and Enforcement Unit Contact Information:
I have no heat. My landlord disconnected my heat source or has not turned it on yet and it is September. What can I do?
You have the right to have sufficient heat meaning a minimum of 20 degrees Celsius throughout your rental unit. Some communities have municipal bylaws requiring a minimum temperature of more than 20 degrees Celsius.
You can contact the Investigations and Enforcement Unit and they will speak to your landlord on your behalf and try and get your landlord to agree to turn the heat on.
You can purchase temporary space heaters to heat your rental unit and file an application against your landlord. Keep your receipts for the Hearing and ask for your money back.
My landlord refuses to do the repairs I have requested. Can I withhold my rent?
No. If you decide to make an application to the Landlord and Tenant Board about maintenance and repair issues in your rental unit or complex, you may also request an order allowing you to pay your rent into the Landlord and Tenant Board trust account while you wait for your Hearing. You will need to file a separate form requesting this. You must have “special circumstances” to be given permission to do this by the Landlord and Tenant Board.
My landlord enters my unit whenever he or she wants to. Are they allowed to do this?
No. The RTA is very clear about when your landlord is allowed to enter your unit or rental property. In most circumstances, your landlord is required to give you at least 24 hours written notice of their intention to come into your rental unit unless you consent to their entry. The notice is to be in writing, state the reason for the entry and the time of the entry between the hours of 8:00am and 8:00pm.
The landlord can only enter for these reasons with written notice:
1. To repair or replace or do work in the unit;
2. To allow a possible mortgagee or insurer to view your unit;
3. To allow a qualified inspector to inspect the unit as required for the Condominium Act;
4. For a reasonable inspection of the unit to determine whether it is in a good state of repair;
5. To allow a potential purchaser to view the unit;
6. For any other reason for entry specified in the tenancy agreement.
Your landlord is required to make a reasonable effort to inform you that he or she will be entering your unit to show it to a prospective tenant. This notice does not have to be written.
Your landlord is ONLY allowed to enter a unit without notice if it is an emergency, you consent to the entry or if the tenancy agreement requires the landlord to clean your unit.
When can my landlord increase my rent?
Your landlord is only allowed to increase your rent on a yearly basis (once every 12 months). Your landlord should use a notice of a rent increase form provided by the Landlord and Tenant Board otherwise the notice may not valid. You are entitled to receive a minimum of 90 days written notice of the increase.
The notices are located on the Landlord and Tenant Board website at:
How much can my landlord increase my rent by?
Generally, your landlord is only allowed to increase the rent by the guideline amount. The guideline increase for 2012 is 3.1%. That means if your rent is $800.00 your rental increase would be $24.80.
Past guideline increases are located on the Landlord and Tenant Board website at:
My landlord refuses to give me rent receipts. What do I do?
Your landlord is required to give you rental receipts. A piece of paper with the date, the amount paid for rent and the signature of the person receiving the rent is an acceptable rent receipt.
Never pay your rent in cash without immediately receiving a rent receipt. If you pay your rent by a cheque or a money order then your cashed cheque or money order is proof of payment. If you cannot pay your rent by cheque or money order then inform your landlord that you will pay your rent as soon as the receipt is ready.
My lease is ending. Do I have to sign another lease or move out?
No you do not have to move out or sign another lease. When your lease ends your tenancy automatically becomes a month to month tenancy.
How much notice do I have to give my landlord before I move out?
The minimum notice periods to end your tenancy are as follows:
- Lease agreement where you agreed to rent the unit for a specific period of time (ie. one year) A minimum of 60 days (2 months) notice is required prior to the end of your lease agreement in order to terminate your tenancy.
Example: Lease ends on June 30, 2012. You must give your written termination notice to your landlord no later then May 1, 2012 if you want to move out on June 30, 2012.
- No lease agreement. Rent paid on a monthly basis. A minimum of 60 days (2 months) notice is required prior to you terminating your tenancy. Example: You want to move out August 31, 2012. You must give your landlord written notice that you are terminating your tenancy no later then June 1, 2012.
- Daily or Weekly tenancy. A minimum of 28 days written notice is required prior to you terminating your tenancy.
If your landlord consents to a shorter notice period then you better have that consent in writing. Always notify your landlord in writing that you are terminating your tenancy and keep a copy for yourself. In your notice include today’s date, your name, the address of your unit and the date your tenancy will end.
I am having difficulty paying my rent this month. Can I apply my last month’s rent deposit towards this month’s rent?
No. Your last month’s rent deposit can only be used for your last month’s rent. However, you are entitled to interest in the same amount as the guideline increase on your last month’s rent deposit.
How much of a security deposit am I required to pay?
In Ontario, security or cleaning deposits are illegal charges. Landlords are not allowed to charge them. If you paid one you are entitled to your money back.
How long do I have to make a claim at the Landlord and Tenant Board against my current or former landlord?
Generally, you have one year from the last incident to make a claim against your landlord at the Landlord and Tenant Board.
Where do I find application forms for the Landlord and Tenant Board?
The Landlord and Tenant Board website has application forms and instructions on how to complete the forms. They are located under “Tenant Applications.” Beside each application are instructions on how to complete the form. You may file more then one application against your landlord.
The Application Forms are located at the following website:
The Landlord and Tenant Board website also has Frequently Asked Questions, Brochures by Topic, Filing An Application and other materials that may be of assistance to you:
Who can I ask for advice?
You may contact the Renfrew County Legal Clinic, a private lawyer, or a licensed paralegal for legal advice or assistance.
Duty counsel is available the day of your Hearing to assist tenants only.