Options to help you with your debt
Find information to help you manage your debt.
Nova Scotia
For investors
Learn how the Nova Scotia Securities Commission provides investors with protection through investor education, ensuring regulatory compliance and enforcing securities laws.
Tips to avoid vehicle repair rip-offs
Discover how to protect yourself from being taken advantage of when getting vehicle repairs in Nova Scotia.
Buying a used vehicle in Nova Scotia
Learn about what you should consider when buying a used vehicle in Nova Scotia.
Office of the Superintendent of Insurance
Consult the Office of the Superintendent of Insurance for information on the insurance industry in Nova Scotia or if you have an issue with an insurance broker or company operating in the province.
Credit unions
Find information about insurance, credit unions and trusts overseen by the Department of Finance and Treasury Board of Nova Scotia.
Consumer rights in Nova Scotia
Find out how Service Nova Scotia may help resolve an issue you have with a business in the province.
Make a complaint about a business
Find out how Service Nova Scotia may help resolve an issue you have with a business including help with refunds and other ticket issues.
Homepage
Discover how the Canadian Motor Vehicle Arbitration Plan (CAMVAP) can help you resolve vehicle assembly defects and warranty issues or how they can assist in resolving a complaint with your car manufacturer.
Major air carriers - Customer service departments
Bring your complaint to the attention of the air carrier before you file a complaint with the Canadian Transportation Agency.
Service provider search tool
The first step in resolving your complaint is to contact your service provider.
Protecting and promoting privacy rights
Learn how the Privacy Commissioner of Canada can help you if you believe your personal information has been mishandled by your service provider.
Credit cards
Find out how to choose a credit card, resolve an unauthorized transaction, information on joint credit cards and more.
Using debit cards
Learn how debit cards work, how to use debit cards when you travel, convenience fees, report unauthorized transactions and how to report a lost or stolen card.
Office of the Superintendent of Insurance
Have questions about the insurance industry in Nova Scotia? The Superintendent's Office may be able to assist consumers when dealing with insurance matters.
Collection agencies in Nova Scotia: Your rights
Find out what rules collection agencies must follow, and what your rights are as a consumer in Nova Scotia.
Payday loans: Your rights
Know your rights when getting and paying back a payday loan in Nova Scotia.
Airport congestion and flight issues
Learn more about your rights as a passenger and the information airlines must communicate to you.
Airport congestion and flight issues
Discover what to do if your flight is delayed or cancelled.
Airport congestion and flight issues
Learn about your rights and what to do if your baggage is lost, damaged or delayed.
You owe money
Find information on Licensed Insolvency Trustees, the consumer proposal process and bankruptcy.
Using a debt settlement company
Learn what to look for when using this type of service to help settle your debt.
Business and Consumer Services
Contact this organization to discuss an issue with a debt settlement company.
Protecting Canada’s insolvency system
Discover how the Office of the Superintendent of Bankruptcy monitors licensed insolvency trustees and handles complaints.
Insolvency Counselling Program
Learn more about this service for people that have started insolvency proceedings.
Information about the insolvency process
Explore your options if you cannot pay your personal bills or debts.
Find a Licensed Insolvency Trustee
Use this tool to locate active insolvency professionals near you.
File a complaint
If you, or someone you know, is unable to resolve a dispute with a Licensed Insolvency Trustee (LIT), a debtor or a creditor, contact the Office of the Superintendent of Bankruptcy.
Ask the OSB a question
If you, or someone you know, has debt-related inquiries, contact the Office of the Superintendent of Bankruptcy.
Options to help you with your debt
Find information to help you manage your debt.
Making a complaint about a credit counselling agency or credit counsellor
Contact your provincial or territorial consumer affairs office to file a complaint.
Getting help to pay off debt or repair your credit
Follow these tips when choosing a business to help you pay off the money you owe or restore your financial record.
Getting help from a credit counsellor
If you're having trouble paying back your debt or keeping up with your payments, you may consider this debt-management option.
File a measurement-related complaint
Find out how to file a complaint if you think you’ve received an inaccurate measurement as part of a purchase.
Commission for Complaints for Telecom-television Services (CCTS) complaints form
If you are unable to resolve a dispute with your mobile phone, home phone or television service provider, submit your complaint to the Commission for Complaints for Telecom-television Services (CCTS).
Mobile phone long distance fees
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you believe you are being overcharged for your mobile phone long distance fees.
Rate increases to internet service
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you wish to dispute a significant increase to your internet service.
Rate increases to home phone service
Contact the Commission for Complaints for Telecom-television Services (CCTS) if the rate increase to your home phone service is not as promised (or advertised).
Home phone long distance fee issues
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your home phone long distance fees are not as promised (or advertised).
Television billing issue not listed
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your television billing issue is not listed.
Television billing errors
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your television bill is not as promised (or advertised).
Mobile phone quality of service issue not listed
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your mobile phone quality of service issue is not listed.
Mobile phone terms and conditions issues
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you have an issue with your mobile phone service contract.
Unavailability of mobile phone service
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you experience unreasonable interruptions to your mobile phone service.
Mobile phone service delivery issues
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your mobile phone service is not being delivered as promised (or advertised).
Disconnection of mobile phone service
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you have a problem with your mobile phone provider’s decision to disconnect your service.
Issues keeping number switching mobile phone service provider
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you have a problem keeping your number when changing mobile phone service providers.
Mobile phone billing issue not listed
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your mobile phone billing issue is not listed.
Text messaging fees
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your mobile phone text message fees are not as promised (or advertised).
Mobile phone disconnection fees
Contact the Commission for Complaints for Telecom-television Services (CCTS) if the cost to disconnect your mobile phone service is not as promised (or advertised).
Mobile phone billing errors
Contact the Commission for Complaints for Telecom-television Services (CCTS) if the amount on your mobile phone bill is not as promised (or advertised).
Internet quality of service issues not listed
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your internet quality of service issue is not listed.
Slow Internet speeds
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your internet speed is slower than promised (or advertised).
Internet service delivery issues
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your internet service is not being delivered as promised (or advertised).
Internet service not available
Contact the Commission for Complaints for Telecom-television Services (CCTS) if you experience unreasonable interruptions in your internet service.
Internet billing topic not listed
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your internet billing issue is not listed.
Internet disconnection fees
Contact the Commission for Complaints for Telecom-television Services (CCTS) if the cost to disconnect your internet service is not as promised (or advertised).
Internet billing errors
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your internet bill is not as promised (or advertised).
Home phone billing issue not listed
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your home phone billing issue is not listed.
Home phone disconnection fees
Contact the Commission for Complaints for Telecom-television Services (CCTS) if the cost to disconnect your home phone service is not as promised (or advertised).
Home phone service billing errors
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your home phone bill is not as promised (or advertised).
Home phone quality of service issues
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your home phone quality of service issue is not listed.
Unavailability of home phone service
Contact the Commission for Complaints for Telecom-television Services (CCTS) if there are unreasonable interruptions to your home phone service.
Issues with home phone service delivery
Contact the Commission for Complaints for Telecom-television Services (CCTS) if your home phone service is not being delivered as promised (or advertised).
Contact the CRTC
Contact the CRTC if you have an issue with the quality or level of accessible services offered by your service provider.
How to make a broadcasting complaint
Find out who to contact for various broadcasting complaints, including TV, radio and news programming issues.
How to make a complaint about your telephone service
Discover the telephone service complaint process and how to contact the Commission for Complaints for Telecom-television Services (CCTS) and the Canadian Radio-television and Telecommunications Commission (CRTC).
Federal oversight bodies and regulators
Discover a list of regulators and oversight bodies for the various financial services regulated at the provincial, territorial and federal levels.
Making a complaint about your insurance provider
Discover the process for submitting a complaint about your insurance provider.
Consumer protection in your province or territory
Find out which consumer issues are often handled by provincial or territorial governments as well as who you should contact for information or to file a complaint.
Basic information on investing
Discover the common types of investments, the risk levels associated with different types of investments as well, as their associated costs and fees.
Rights and responsibilities of investors
Discover what you can expect from a certified financial advisor or planner if you feel your rights aren’t being respected, and what rights and responsibilities you have if you self-direct your investments.
Your rights concerning debt collection agencies
Find out what rights you have when a federally regulated financial institution, or another party acting on its behalf, contacts you about a debt you owe.
Government of Canada travel advice and advisories
Find out more about official Government of Canada destination-specific travel information which will help you make informed decisions, including how to travel safely while you are abroad.
Information on importing a vehicle into Canada
Find information on importing a vehicle into Canada from the United States or Mexico, and more.
Importing a vehicle
Learn more about the process for properly importing motor vehicles from the United States.
Travel
Buying travel services online, checking travel insurance needs and making air travel complaints.
Travel reward programs
Learn about travel reward programs and their possible limitations.
Advice when travelling with children
Use these travel tips if you and your children plan to travel or live abroad together, or if your child will be travelling alone.
Travelling abroad with children
What you need to know when travelling abroad with children. This includes material on international adoption process and a sample consent letter for children who are travelling without their legal guardian.
TV service provider channel options
Find out what rules exist for TV service providers concerning the channels offered to subscribers.
Bring your own unlocked device: Updates to the Wireless Code
Discover the benefits of having an unlocked phone and more.
Learn about accessibility and TV
Discover how the CRTC can help you resolve accessibility-related issues with your TV service provider.
The Wireless Code, simplified
Take advantage of this simplified version of the Wireless Code, which outlines the rights and responsibilities of consumers and mobile phone service providers.
Make a broadcasting complaint
Find out who to contact if you saw or heard something on TV or radio that you found offensive.
TV and radio advertising basics
Find out more about the rules governing TV and radio advertising in Canada, as well as who to contact if you have a complaint.
Reporting loud TV commercials
Contact the CRTC if you believe that the sound level of a TV commercial was higher than the previous program.
CRTC support centre
Use this tool to find the telecom and broadcasting resources you seek.
Making a complaint to a financial institution
Follow these steps when filing a complaint against a federally regulated financial institution.
Mobile plans: More affordable wireless choices
Explore these tools and resources to help you decide which mobile plan is right for your needs and budget.
Mortgages: Rights and responsibilities
Learn more about the rights and responsibilities of federally regulated mortgage lending institutions (e.g. banks).
Identity theft
Protect yourself against identity theft, fraud and spam.
Debt collection agencies
Dealing with debt collection agencies and repaying your debt.
Navigating payday loans
Understand the hidden costs of taking out a payday loan.
Loyalty programs
Read about airline loyalty programs and contact the CTA if you have an issue an airline loyalty program.
Internet of Things (IoT) checklist for consumers
Take stock of the IOT devices you may already own, use or purchase using this checklist.
Recourse for vehicle defects
Explore your options to get redress with issues you may have with your new or used vehicle.
Buying or leasing a vehicle
Consider the following before buying or leasing a vehicle.
General contract issues
Contact the CRTC for information or assistance resolving your complaint.
Compliments, comments and complaints
Contact the Canada Border Services Agency if you have questions or concerns with the customs and declaration process.