Consumer & Debt

WCLS provides services to people who are dealing with consumer issues related to goods or services for which they paid.  We can provide you with information about your rights, advice, brief services, and sometimes representation at Small Claims Court. 

Examples of consumer issues we may help with:

  • You paid for a product but there is something wrong with it and the seller will not repair or replace it or otherwise correct the problem

  • You paid for a product or service because of a lie or misrepresentation by the seller

  • You recently signed a contract with a door-to-door salesperson and you want to cancel the contract

  • You signed a purchase agreement but the seller breached the contract in some way

WCLS also provides services to people who are having an issue with a creditor.  When a creditor believes that someone is in debt to them in Ontario, there are certain actions the creditor can take to try to collect the money they are owed.  We can provide you with information about your rights, advice, brief services, and in some cases representation at Small Claims Court.

Examples of debt issues we may help with:  

  • You are being sued in court by a creditor for money that you do not believe you owe

  • You are being contacted by a collections agency inappropriately or in ways that are harassing

  • You have a debt on your credit report that is inaccurate

  • You are being asked to make payments toward a debt that you cannot afford

 

Please note that we are not able to help with all consumer and debt issues. For example, we do not help with real estate sales, bankruptcies, or consumer proposals. If we are unable to assist you, we will try to direct you to organizations that can help. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For helpful links click here.

Our office is open :

 

Monday to Friday

8:30 am to 12:00 pm

1:00 pm to 4:30 pm

 

After hours and off-site appointments available

Our office is located on the ground floor and is wheelchair accessible.