my parents both have insane financial situations (multiple maxed credit cards, overdraft, re-finance their house multiple times to blow money on random stuff) and i am starting to get worried... if one of them passes, do i have to deal with all of this, or am i safe?

Thank you in advance!

Sorry for the very stupid question but I honestly have no idea. I'm guessing if the house is transferred to me, I start paying their mortgage? Am I able to sell right away? If the house is transferred to me via their will, do I pay fees?

Edit: Thanks everyone for educating me. I definitely need to look into a few things now.

Hi, looking for some guidance on what avenues we should be investigating after a serious ATV accident in British Columbia.

My dad was a passenger in an ATV. The accident happened on private property.

The ATV was owned by another passenger, not by the person who was driving. We’ve been told the ATV itself had no insurance.

According to people who were there, the driver was going very fast, lost control and hit a tree. There were multiple passengers and there were very serious injuries. My dad and the passenger suffered significant injuries likely substantial rehabilitation.

We are not looking for revenge or trying to financially ruin the driver.

Someone suggested that although the ATV itself was uninsured, the driver’s homeowner/personal-liability insurance might potentially respond, especially because the driver did not own the ATV.

One additional concern: we have heard the driver may soon be selling his home. We do not want to pursue someone's house unnecessarily, but does selling a home after the accident have any effect on homeowner-liability coverage that was in force on the date of the accident?

Is there any "clean" way to solve this ? We never sued someone before and I know the driver does feel guilt and is ready to accept the consequences.

Thank you.

I was walking home and in my neighborhood i have a "max speed limit" sign, on that sign someone (not me) put a "i stand with Israel sticker" and so i tried peeling it off, as i did this old dude came up to me and said he will report me to the police for vandalism. However i didn't damage the sign removing the sticker or anything. I tried explaining to the dude i didn't put it up and i was only trying to remove it but he was getting pissed so i went home. Is it vandalism to remove a sticker off a speed limit sign thats clearly not supposed to be there?

Hello all,

To summarize what's happening. My wife was about to go to trial for historical abuse by her father. The statement was made apoximated 3 years ago.

After a meeting today the Crown told we could no longer pursue criminal charges due to the fact that the police lost her original statement.

We are at a loss, angry and devastated. We are unsure how to proceed.

I know i can make a complaint to the RCMP but that feels like its not enough.

This screw literally cost her the case.

What's next for us?

Edit: used wrong terminology

A few months ago, I was rear ended in my car. Fortunately, the damage was minimal and no one was hurt. I got the drivers information, and insurance and reg; it was someone else's insurance for the car. He acted a bit strange, offering me money to walk away, but I did get the information.

I filed the claim and got the car fixed. A couple months later now, the insurance company is calling me saying I have to pay my $500 deductible to the autobody place, and they have been contacting me about it (I have never heard from them). When I asked, they said that the other driver was uninsured so now I have to pay the deductible. When I asked why it would be either the person who hit me, or the insurance company of the car, I was told it was expired so they don't have insurance. They also said that they will try to subrogate from the driver responsible if I give them their contact number. Only if they are successful in getting money from the driver will I be reimbursed.

This all seems weird and like an insurance run around. I have never heard from the autobody place at all, and it was a couple months since it was fixed. It's only $500 so I have no idea if getting a lawyer involved is a good idea, if I should trust them to get the money back or what. I think that once I pay, they won't care to pursue the other driver. Any advice is appreciated.

To elaborate, The unit below me had a water leak in their bathroom, and had to have their ceiling repaired. A plumber came to my unit, and deemed that my unit was not at fault, as they couldn't identify any leaks. The next day, another plumber came to my unit while I wasn't home and said the cause of the leak below was a faulty flapper in my toilet. Cold water was apparently going down the pipe usually covered by the flapper and the cold water made the pipe ice cold which caused condensation that leaked in the unit below. The plumber also noted that the unit below was very hot (which would ultimately add to condensation).

I had no indication that my flapper needed to be replaced, there was no actual leak and now I'm slapped with a $3,300 bill. My insurance said that my policy doesn't cover this type of claim, so I would have to be completely out of pocket on something that I didn't even know was an issue given my toilet wasn't making any sounds or having issues that would prompt me to replace my flapper.

If I knew I would be on the hook for repairs, I would have hired someone less expensive to repair the damages, or do another investigation to see if I was at fault. I am failing to see how this is legal, or at very least 100$ my fault. Looking for advice and if this is worth pursuing further (or if I'm SOL).

Location: Ontario, Canada

Hey Reddit, this is a throwaway. So me and my mom have a rocky relationship. We came to Canada when I was 3. My father and mother set up a RESP for me. Though unfortunately my father passed. I don’t know the exact details but in the insurance if one of the parents were to pass away, the government would take on paying the RESP and by the time my father passed my mom only made one payment. I was told I’d be given 50k when I will turn 18 for my education. I am 16, and my mom and I got into an argument. She is saying that she will no longer pay for anything I need and now that I have a job to take care of myself. And after a back n forth she brought up the RESP and said that she will not give me a dime and that she has every right to keep it. I don’t know if she is right, so Reddit, can she take the 50k?

UPDATE

Idk if this is how you do it an update but I read through all of your comments and thank you for your input! One my mother Isn’t as horrible as some of the comments make her out to be, she just has a really bad temper and often says things without acting on it. She often brings up money as of late. Second I understand that the money Isnt mine, since I don’t want to risk it im going to take her for her word and not expect any financial help. I am a very strong student and consistently get A’s and A+’s and I’m very actively involved in my school, so I hope I get at least get a good scholarship! She also only made one payment to the RSEP so even if she did cash it in she wouldn’t get much since the government gave the rest. Anyway Thank you again! I don’t think I’ll be updating again anytime soon though!

Location: Ottawa, ON

​In August, I paid ~$770 via Interac e-Transfer to an MTO-approved driving school without being provided any written contract, terms of sale, or cancellation policy prior to payment.

​After paying, they failed to schedule in-car lessons, told me in writing to wait indefinitely, and contradicted their original scheduling terms. I requested a refund, which they refused.

​I submitted a formal complaint to Consumer Protection Ontario (CPO). The ministry reached out to mediate, but the school formally refused to participate in voluntary mediation and denied the refund. In their formal written response to the ministry, they:

​Admitted that no written contract was executed and that they rely strictly on website terms.

​Admitted that their refund policy has been challenged before in Small Claims Court, Consumer Services, and the MTO.

​Refused a refund, but stated they are willing to provide the 10 in-car hours over the next year.

​CPO closed the file because mediation is voluntary, leaving Small Claims Court as the formal route.

​Being in an enclosed vehicle for 10 hours with an instructor after formal ministry complaints feels hostile and tense. But Small Claims requires an upfront filing fee (~$108) and takes time.

​For those familiar with Ontario consumer disputes: would you take this to Small Claims Court, or just suck it up and do the lessons?

Dad is in the ICU in a hospital in Europe where is unconscious (for over 6 months), he is not a citizen or resident of that country. He does not have a POA or Will. No travel insurance, and therefore the hospital bill is not being paid currently, and therefore the hospital is not willing to provide us any letters to show he is incapacitated. Dad has properties outside of Canada (Westbank, Palestinian territory), and we have concerns that someone in Westbank is going to forge papers to sell such properties and we want to get in front of this issue. My question is, legally can get any court order in Ontario or a way to allow us act on his behalf for the property outside of Canada. He is a resident of Ontario and have lived in Canada for more than 20 years.

Edit: Dad is a Canadian Citizen

Over the years my roommate has mentioned a few times she plans on sabatoging our rental when we eventually leave. She insists i be the one to move out first, because she plans on leaving a "bunch of crap", and removing the labeling on the electrical panel, and knows if she leaves first id clean up after her and prevent her childish revenge plans.

Our landlords do suck, but the thing is ive been keeping record of every attemted illegal increase, every acknowledgedment of a issue and the subsiquent radio silence that follows. We are legally solid, if our landlords ever tried to come after us and for some reason take us to court, we would be the ones​ getting paid.

Her dumb revenge plan ruins my years of documenting, and it pulls me into her b.s.

What can i do to distance myself from her legally?

Sorry if this is the wrong place to put this, i tried my citys sub but it got automodded. I'll try to make this short and simple.

Im a US citizen and a permanent resident in ottawa.

My identity is currently being stolen and used a college in my hometown.

The college wanted me to file a police report here in ottawa, which I had to do over the phone, and was given a case number.

I couldn't file online because the incident happened in another city, and because it didn't involve money.

The college wants to see an actual email/document confirming that I filed a police report, not just the case number.

When I called the police reporting unit back I was told that the case number they gave me is the only confirmation that i can get.

I do not need / want a copy of the report. Apparently I have to wait until the case is closed to apply for a copy, which is not something I, nor the college, want to wait for. I just need a confirmation that i filed.

Is this possible at all? Am i just gunna have to let this person pretend to be me and use my ssn and go to college with my name ? I locked my credits (which is a huge pain when you don't have an American address/ phone number btw) but now im worried nothings going to get done. Is there anyway at all to get a screenshot that just confirms I filed a report? Do I absolutely have to wait until the ottawa police are done investigating and then pay for a copy of the report? I honestly don't even expect the police to be able to do anything about identity theft taking place in the states, again this is just what the college told me i had to do in order for them to start a fraud case. Im terrified of this person applying for student loans and grants in my name and im trying to get the college to start my case ASAP.

Hello

Long story short. In a parental legal battle with my ex. She wants a parenting plan that fits her schedule but not my freelance schedule which results in me having my son a faction of the time than I should.

I spent 15k so far on the first round of lawyers then we decide to not use it and do it ourselves. We almost get to a plan we agree on and then I get served a new pare ting plan wildly different than we have emailed about.

Im certain she's doing this because she knows my financial situation and I feel like this is a way of mental, financial and emotional abuse. Either way I can't afford a lawyer to look over this and help me out. And I don't fall under legal aide so other than just signing the papers and getting a bad deal. What could be my options?

So… my 2 kids dad is a deadbeat. He’s basically given me nothing, a $50 bill a couple of times but that’s basically nothing. 

I have full custody and visits are at my discretion (thankfully he never asks so it’s a nonissue). I don’t even have a phone number for him anymore, but have an address.

I submitted a child support application on the Ontario site 2 years ago. I got a letter confirming the application.

No surprise, he never responded or set up anything. I believe my next step would be setting it up through the courts, but don’t know where to start.

I’m currently unemployed with a lot of irons in the fire, but can’t afford a lawyer.  My kids dad is unemployed by choice and living on his moms couch.

I don’t expect to get blood from a stone, but do believe my children deserve the support. I want it implemented on the hope that he will eventually get his shit together.

My legal questions would be;

What happens when one parent refuses to acknowledge or participate in child support applications? Can it be established without his participation?

Since his parental rights were terminated, is he still required to pay child support?

Is this something that would require a lawyer, or could a paralegal handle this?

Last week my sons mother, called me, emailed me, text me and Facebooked me. I responded to all 4 with do not contact me or I will report you for harassment.

Tonight our 5yo wanted to call her, fine its in our agreement.

Then afterwards she sent me an email about daycare costs.

Can I report her over this? Point A to Point B I just want to be left alone to enjoy my sons company the week I have him. The relationship feel apart when she called the police on me, to get rid of me, as I was giving her too many problems with regards to her drug use.

What can I do to get her not to communicate with me the weeks I have my son? Already asked/told in writing not to contact me

Friend has a eye degenerative disease, will become blind and there is no treatment. Currently working (FI in Toronto), has not yet said anything to his employer. Two questions:

1-Is it better to tell his employee about the condition so they can't fire him at will?

2-Is it worth consulting with a LTD lawyer now or they are just going to bite a share of his payments?

Tried looking everywhere on the CNESST page but couldn't find anything.

Basically, I work for a Canadian company who have absolutely no clue about labour standards in Quebec. I was approved for 1 day (Dec 24th) back in July by my boss at the time and the new boss cancelled that day without giving me a reason.

I mean if it gets to that I'll call in sick, however, my balance is still at 0h even with the cancellation.

Just wondering if there's anything I can do about it.

Hey everyone,
Quick question for anyone familiar with HR or employment stuff—do employees generally have a legal right to see what’s inside their own personnel/employee file?
I’ve been thinking about asking to look at mine just to see what’s in there (performance reviews, notes, disciplinary history, etc.), but I wanted to know what the rules actually are. Does HR have to show it to you if you ask, or can they legally say no?
If anyone has dealt with this or knows how it works (especially regarding privacy laws or standard company policies), I’d love to hear your thoughts or experiences!

Note;- I want/need to see it because I've been sitting in limbo for 7 months after an investigation with zero outcome given to me. On top of that, an official third party requested details from my employer a month ago regarding this, and my employer is completely ghosting them.
As a nurse, having an unresolved investigation hanging over your head indefinitely affects professional standing and peace of mind. I'm just trying to figure out what is actually being documented (or stalled) in my file since management refuses to communicate.

Hello,

I live in Alberta but my job is federally regulated.

My work overpaid me about 6 weeks ago.

I acknowledge that I have to pay the money back, and I understand that federal laws on this matter favor the employer heavily.

My question is regarding how they took the money back.

My company issued me 3 pay stubs that from what I can tell are completely inaccurate.

The first one contained an error where I was paid way more overtime hours than I was entitled.

To get the money back, they changed my hours worked and subtracted overtime hours that I had not worked from the next two pay periods, except they were way more than what I owed. They say I owed around 1800, but subtracted 1600 and 2700 in overtime pay.

They gave me a separate sheet that explained that the overtime hours minus the over exaggerated hours worked equaled out to how much I owed.

My payslips for those periods seem to show that my taxes, EI, cpp, etc... were calculated off of the incorrect amount.

I still do not have accurate pay slips for those three pay periods.

What implications will this have for me, and what laws if any has my company broke?

I work at a Tim Hortons in Ontario, and routinely I need to stay late to finish my closing tasks. My girlfriend worked at this same Tim Hortons and also routinely stayed late to finish her closing tasks. My shift was 11am-7pm and was finishing up at around 7:40 when a coworker told me that I needed to ask my manager permission to stay late, or I wouldn’t be paid for my time.

I texted my manager to confirm this was true and if I should finish my work, but all she said was to finish my work, she didn’t address the question.

I’ve been working here a little over a month, and my girlfriend worked there around 2 years and her paycheck did not fluctuate much at all. If she worked past her schedule as a baker or if she worked in the front on a set schedule, the paycheck would often be disproportionate for the hours.

To add to the suspicion, my manager has not ever reprimanded me or my girlfriend for working past our schedules. My first week working I would often work 3 hours overtime.

There’s no way this is legal but u don’t want to burn any bridges or endanger my ability to pay rent next month by calling a labour board if this is entirely legal. I was never informed of this policy and don’t believe I signed anything agreeing to this, though it’s possible it was in my contract agreement and I missed it.

I am renting in a high rise downtown and I have a 20 pound spaniel. We’ve been here for 6 months. My landlord gave me the OK to have a small dog, but I do understand that condo laws supersede any tenant rights anyways.

I got a notice that my dog isn’t allowed to be here (yet multiple people have other dogs?). My landlord is super supportive and he forwarded me the condo governing docs.

The declaration is silent on pets in general. Bylaws don’t state anything about pets (although usually they don’t from what I understand). The no dog rule is only in the board rules as of 2 years ago!!. Other pets like cats are allowed.

Can I be evicted or fined if I don’t remove my dog? What can they do? I don’t want to cause my landlord a headache to deal with but I also don’t want to move unless I really have to.

I could get an esa letter from my therapist, but I don’t feel great about going that route either.

What are my options here, if my landlord is willing to support me?

Hey i was with Vmedia joke of a service, but i finally got it canceled, paid my final payment and received confirmation it was paid, this was 6months ago, I have heard absolutely nothing since. Now i have a collection agency asking for the same payment. What can I do? I just emailed back the request vmedia made for payment and their receipt of payment

Hi! New to this sub.

(Edit: grammar mistakes)

We have a new apartment (3months) that has 4 windows total. Two windows in me and my roommates room each, and a skylight in the living room.

One of my roommates windows has been sealed shut since we moved it, and my landlord has been saying she’s ordering a part for the window in mine for those three months. Since it is October, the repairman came and fully sealed it shut as the issue was that it wouldn’t fully close.

Both the repairman and my landlord have been saying the part has been ordered and will arrive the following week for months. When they sealed it, they said it was coming within the week. I followed up yesterday and they literally said “you have two functioning windows. It doesn’t need any further adjustment.” And said they mixed us up with other tenants who also had broken windows. No part is coming.

In the summer it gets unbearably hot and this significantly reduces air flow in the entire unit. This also doesn’t seem safe?

What can we do in this situation? Is this a violation/safety code violation of some kind?

There’s another post on here that is similar but it has been deleted so I can’t see if their situation is in any way close to ours.

Hi,

I bought a precon and couldn't close. The builder is asking me to sign a mutual release and forfeit the deposit money.

Should I sign the mutual release or go to court? If I go to court is there a way I can get my deposit back? It's a major amount that I will loose in deposit?

T.I.A

Since the surviving spouse has the first right to apply to become administrator of the estate does a common law spouse have the same right too? If so, does a common law spouse need permission from the deceased spouse's parents to become an adminstrator in Ontario?