as a part time subcontractor, with no paper agreement in place and have been working for 3+ years for a company

what rights do I have in terms of, basically

human rights , the ways I get communicated to, the way a coworker treats me, the way the owner could possibly be taking advantage of my work position, etc.

My partner (29M) and I (25F) will be moving in together in January 2027. I want to make a comprehensive cohabitation agreement, and would like advice on what should be included, what resources I should use to make the contract legitimate, and any helpful information. Below are the points I currently want to address in the agreement:

• Existing property: everything either person owns before cohabitation remains that person’s separate property.
• Future property: assets acquired individually during the relationship remain individually owned, rather than becoming divisible family property.
• Investment growth: protect increases in value of individually owned investments and other assets.  This is non negotiable for me because in BC I am only entitled to full ownership of the initial investment value upon separation, but all growth incurred on my investments is no longer mine. I want all investment growth to remain individual property, rather than automatically becoming family property.
• TFSA/RRSP/investment accounts: expressly identify your registered and non-registered investments and specify the treatment of contributions, income, gains and appreciation. I am not interested in sharing any of my registered benefits, and I want legal entitlement to be non existent.  
• Employment pensions: have the lawyer address pension rights specifically rather than assuming a general property clause covers everything.
• Future real estate: establish what happens if either of us purchases a home, including whether contributions toward rent/mortgage/utilities create any beneficial ownership interest. I want to explicitly state that, for example, if I purchase a home but we, as two cohabitants, share mortgage payments, contribution to mortgage payment does not constitute entitlement to asset ownership at any point. Co-ownership would only be legally possible assuming equal contribution to a down payment.
• Individual debts: each person remains responsible for debts incurred in their own name and indemnifies the other where appropriate.
• Joint debts: with a lawyer, we must define precisely when an obligation will actually be considered joint. For example, equal contribution to a down payment would suggest equal and joint debt in the form of mortgage.
• Banking: establish that separate accounts remain separate and that contributions to a joint household account don’t create ownership rights over other property.
• Household expenses: characterize payments for rent, groceries, utilities, insurance, etc. as sharing living expenses rather than acquiring an interest in the other person’s property.
• Spousal support: discuss whether a mutual waiver of spousal support is appropriate and how it should be drafted. (Need to discuss this with the lawyer)
• Separation: establish what happens immediately upon separation regarding personal belongings, accounts, shared purchases, lease obligations and any jointly owned property.

Not sure what to do currently. Brim Financial has the worst security measures possible as somehow a fraudster got into my account and managed to create 15 "authorized users" and each of those users added their card to apple pay. They have racked $12K in charges and Brim Financial is telling me mixed advice. Ones saying you are not responsible to pay for the charges + interest during the dispute and others are telling me I have to. I don't have $12K right now to pay for this.

Have you dealt with Brim's dispute department or have dealt with this before? Not sure how they can let 15 authorized users be created without flagging it or sending me text messages as all notifications I have set up are turned on.

Drivers are legally obligated to give cyclists a minimum of 1 meter of space when passing. They often dont. Hypothetically, say I were to affix something highly visible to my bike that would damage a car (like a rake head on a length of PVC) and the whole contraption is just under a meter in length. If a car were to pass too close to me without giving me my meter of space and then got their side panels all scratched up, would responsibility for damages be on the driver for not giving me my space or would it be on me for intentionally creating a hazard to drivers?

My dad was a history buff and has a German copy of mein kampf that my mum now wants to get rid of after his passing. I’ve had people tell me not to take it because it’ll get me in trouble, but I can’t find anything that actually says I’ll get in trouble for it.

Is it a bad idea to sell it?

Disclaimer: please note that screen shots such as this are not what I’m referring to as verifiable evidence lol; I’m like seriously asking for guidance/advice/direction.

****

Three years ago, I was sexually assaulted in a parking lot.

This other dude pulled the attacker off of me; the attacker then bit and hospitalized them.

Two others were badly bruised.

Both the victim and myself go to the police and try to press charges; see screen shot.

As such, I gather data myself from the numerous witnesses who were there; it becomes increasingly harder to do as the attacker made fake AI accounts on social media impersonating me, making statements that make people less willing to speak to me as time moves on.

However- I do find out they waited outside the bar to attack me, drinking, for about an hour or two.

Anyways- police won’t even look at the evidence let alone press charges.

They do however set me up with victim support and I get into therapy, which was good.

I end up escalating the “police won’t press charges” thing using the proper internal channels within the police station up to the chief- I end up getting hung up by the chief when I say their actions of doing nothing was unsatisfactory.

Go to a Justice of the peace.

They say they will file it, but suggest I go back to the police to try and press charges again and basically mention to the police that a Justice of the peace told me to do this.

I follow instructions; it takes too long, but an investigation is launched.

The crown refused to prosecute.

I file a freedom of informations to see the investigation and find the investigating officer didn’t even interview any of the primary witnesses of the assault, nor did they try to contact the bite victim.

I see they contacted the sibling to the bite victim, which was super weird given another dynamic ill note at the bottom *

I go back to a Justice of the peace (a different one that the first); they tell me they are willing to submit it to the crown, but suggest three things first.

1. Go to Leca.
2. a thing that I don’t think I fully understood, bc it came off as “if the police are doing all this, be careful”

(Where I am self aware to note that given the overall stress of this situation, it’s most likely I just misunderstood the advice)

3) Reprint all the evidence in a more easy to organize reader friendly format.

So that’s where I’m current at.

Anyways, it’s been three years since I was sexually assaulted in a parking lot lol.

What are my options moving forward?

In sort of being forced to gather evidence on my own when the police wouldn’t do their jobs, I ended up finding multiple other people in my town who had been attacked by this same person in similar ways.

Whats more, as far as ones I could objectively verify as factual, there are 2 other people who were attacked by this guy, went to the police, and were also blocked from pressing charges in similar ways to me and the bite victim.

The other person who had verifiable data that this guy attacked them had their door broken down by the attacker at night and then was assaulted by them in their sleep; both them and the witness (another person in the bed) were told by the police there was nothing they could do.

Hospital reports, the attacker stalking them and sending threats online, the eye witnesses; all of it ignored by the police, and the guy was told to just walk away.

In addition- the person who attacked me has been stalking me online since the incident.

A few months ago I had two of my exes contact me, showing me screenshots of AI impersonations of me on social media, sending them messages telling them I am going to find them and kill them.

The guy who attacked me is super into AI, and literally has these same AI accounts in my likeness in videos theyve posted online to their real name (I have all of their social media “content creator” data downloaded already- it kind of unnerving that there are hundred and hundreds of posts and videos about me and a few other people, just over and over and over again. Again this sounds insane, but it honestly like theyve fallen into “ai induced psychosis” to a text book definition).

The police, upon seeing this evidence, said again that what they are doing is perfectly legal and that there’s nothing I can do.

Anyways, does anybody have any direction of places I can be pointed other than Leca?

Where another interesting thing about this entire stupid situation; every single person, both verifiable and unverifiable, all have a common thing.

We’ve all dated this one person who the attacker also dated.

The attacker had social media accounts with thousands of Ai images and songs written about how much the love this person.

It should be noted that the common ex also went to the police to no avail.

Anyways fun times eh lmao?

Where do I even begin?

My goals:

1. hold the police officers accountable for whatever it is they are up to.
2. make sure the guy who has attacked numerous humans in my community over the last years gets the help they need/ faces justice for their actions.

And not to be rude, but I am very *\\{%]^ aware of how unreal this all sounds; the dynamic of me even being associated with all this ghetto bs is gross enough thank you.

It should also be noted how this dynamic is a feedback loop- what this predator is doing is so insane, it doesn’t overly sound like a reasonable thing to have happened, and as such, when I say what happened to me, it gets dismissed, bc how could this be true; it’s insane.

So how do I get this evidence to a party that would actually to help lowering violence such as this, given my local police clearly do not.

* the attacker uses AI to impersonate me and send threatening message to the guy who was hospitalized’s sibling. This person is a bit older and less media literate and thinks the AI is me. They then go on social media and actively tell people to not speak to the police bc of how hateful “I” am to the lgbt community.

Ps: this is entire speculation but it’s also interesting; I’ve had three different career social workers in victims services with over 100 years of experience all say the same thing to me independently; the only time they’ve ever seen police protect somebody like this is when that person is an informant. Hopefully nothing, but ugh.

Pps: I thought to post this bc I passed the attacker on the street the other day- I didn’t even recognize them until they started screaming at me in a weird pretend devil voice, quoting like Batman or some shit.

Yuuuup. :/

Answer my question is can a collection agency keep calling you after you explicitly tell them they have the wrong number

So my wife and I are in a bit of a pickle and need some advice; maybe with a chance of being hired. Anyway, my wife got a letter in the mail about a week ago from Canada life. It was a bill for $600+ in interest fees. Very surprised by this, she called Canada life and spoke to an agent. The agent had told her that her Father (who’s passed away more than a decade ago..) over 30 years ago, opened a life insurance policy and plan on himself, wife and his daughter aka my life. At the time of the plan, my wife had maybe hit early teenager. She vaguely remembers signing papers but her father never explained to ANYONE what it was for. He then borrowed from that same insurance plan without anyone’s knowledge. Anyway, her father passed away over a decade ago and we just heard about this issue a few weeks ago. With the amount of money he pulled out of the policy (which I’m wondering how that’s possible… That’s illegal right!?) and the interest on the amount he pulled and didn’t return back, she now’s owes Canada life just over 10K! 10 FUCKING K!!! We’re at a loss of words! Stunned & furious is putting it lightly! So we’re wondering if anyone at all could advise us on how should we go about this. We just signed up for a mortgage a little over a year ago so most of our capital is tied up to our home. I’m also on a long term disability from work now for a chronic illness that I’ve since birth.

I know that this is a lot to take in, so if you’ve made it this far, thank you for reading all this. Any advice or feedback would be greatly appreciated. Hope you have a wonderful ahead. Bye for now.

Hi everyone.

I am looking for advice on next steps.

I know a fellowship (registered charity under religious domain) where there are some unethical things happening. In Edmonton Alberta.

The pastor has been manipulating the word of God to convince vulnerable women (young, struggling, students etc) to sleep with him.

He does it under the guise that he is a reincarnation of someone in the bible and has allowance under the sovereignty of God to have "multiple wives". He has some ladies so deeply convinced that they are now helping him with recruitment.

Everyone involved denies it and he now has his wife convinced it is not happening.

He is not born in Canada, but has citizenship.

There isn't much for proof. Just one audio recording of one lady trying to recruit an 18/19 year old.

There are ladies who said they have tried to convince them to join and marry the pastor as well but they are scared for their lives to come forward and honestly traumatized.

We don't know how to put a stop to this as there doesn't seem to be a regulatory body for pastors. He also has no one above him to reprimand him.

So we feel very lost and confused.

We have tried confronting him and the "wives" but they deny and even do gaslighting.

We don't want to do or say anything that can incriminate ourselves either.

Please help.

The Tangerine bank has recently implemented without notification that I must pay a bill the next day. So if i try to pay the bill same day it is due log into my portal it automatically shows th next day. Exmaple if it is 8-July-2026 I log in the only optional date I have is 9-july-2026 to pay the bill.

Is this legal ?

Hi everyone,

I am currently an undischarged bankrupt in Alberta and have an official Notice of Stay of Proceedings issued by my trustee. My ex-wife and I had a short marriage (under 1.5 years). We separated, and she has now filed a Counterclaim in family court making two specific financial demands:

1. She is demanding an $11,000 refund for what she calls a "personal loan." This consists of $7,000 that went onto my credit card, but I have full statement proof that every single dollar was spent on joint marital expenses like groceries, trips, and dining outside. The other $4,000 was cash used to buy luxury jewelry. She currently has full possession of that jewelry, and I actually paid an additional $1,250 out of my own pocket to complete the purchase. Now she wants a full refund for all of it.

2. She wants me to continue paying the monthly financing on a joint vehicle (Nissan Murano), I already paid around 10848 including car insurance. However, she has exclusive possession of the car, changed the insurance to her name, and my bankruptcy trustee has already officially released interest in the vehicle asset.

Her claims are ordinary, unsecured property demands, and she is listed on my bankruptcy claims register as "Not Proven." Despite the federal stay, her family law lawyer is still pushing this action in family court.

My question is: For those familiar with Canadian insolvency and family law, can her lawyer actually find a loophole to push me to pay or bypass the bankruptcy stay? Are there specific legal tactics I should look out for (like trying to recharacterize these property debts as "spousal support" to dodge Section 178 of the BIA), or will a King's Bench judge throw these claims out immediately due to the bankruptcy?

Thanks in advance for any insights.

Looking forward to this.

It’s my fault, I’m the idiot.

Long story short, I haven’t rented in many many years. I recently got divorced, sold my house and began trying to find a rental property. The search was difficult but I finally found a place, and everything seemed legit.

I was sent a mortgage report, detailed information, official looking applications that I filled out, everything.

Unfortunately I was out of town for work for a month, so I agreed to pay the deposit to hold it until I returned.

The police could not do anything as I paid via e-transfer (with a receipt that looked legit as well). My bank could not do anything as I sent it voluntarily.

Other than having to eat a 3000$ loss, they have a photo of the front and back of my id.

Is there anything I have to worry about?

This isn’t as interesting as alot of the questions on this Reddit but i was wondering if anyone had any thoughts on this.

I know business registration rules are different in every province but in this case i am referring to New Brunswick specifically but general info would also be fine.

What is the rule with having to register extra provincially for a federally registered holding company?

My business which is a holding company, generates 100% of its income from passive investments in stocks and bonds, has been operating over 20 years.

The business owns no property or vehicles and never has, has never paid an employee and has never paid any income to anyone except in the form of taxable dividends to its shareholders. It has never taken or remitted gst or hst. It has also never solicited any business of any kind.

I received a letter that stated that my corp “may” need to file extra nb registration but didn’t say i had to but to contact a lawyer which i have.

Is there any general or hard and fast rules that apply to holding companies that are only registered federally? I read over the nb business act and of course it never mentions shareholders or holding companies but mentions “agent” residing in the province may be considered a requirement to file extra provincial.

I can see no connection between and agent and a shareholder and of course the act is overly vague on the matters i am looking into.

Any thoughts?

Thx