Canada questions: housing, work, tax and everyday disputes
In the United States? This answer is Québec and Canadian law. The US side of this site answers different questions, state by state: different law, and different coverage. Go to the US side
The questions people actually ask when they represent themselves, each with a short answer that stands on its own, the detail, what to document, and the official sources. Free, no account.
Looking for a full guide on a topic instead? See the guide collection. · Version française
All answers
An answer is not enough in court: you have to prove it. The free application is there to record your facts day by day, keep your exhibits dated with a digital fingerprint, and produce a clear report you can file. It documents; it never advises.
Open the application Up to 3 files, no card · what it does
No answer matches. Try a simpler word (« rent » rather than « unreasonable increase »), or browse the guides.
Practical questions in Canada
Check the province or program named in each answer. Québec tenancy and employment procedures do not automatically apply across Canada. The older entries below retain their own source-reading dates.
General information and record-keeping suggestions; not individual legal advice or a claim of lawyer review.
20 new questions · Sources consulted on . Editorial method · Report a correction
Housing by province
I received a rent increase in Québec. What date should I record first?
Jurisdiction or program : Québec
Record when you received the notice. The TAL explains that a tenant who refuses the proposed changes or plans to leave must reply within one month of receipt. Silence can renew the lease on the proposed terms. Check the TAL guidance for your lease and any exceptions.
Records to keep: Keep the whole notice, delivery evidence, lease, dated reply and proof the landlord received it.
Source : TAL — changing a condition of the lease · Link to this question
My Ontario landlord changed the locks. Is that an eviction order?
Jurisdiction or program : Ontario
No. For a tenancy covered by Ontario’s Residential Tenancies Act, the LTB describes changing locks without an eviction order while the tenant still lives there as an illegal lockout. Contact the LTB’s tenant resources promptly. Different rules can apply to accommodation outside the Act.
Records to keep: Record when access was denied, messages, the lease, any order, and receipts for temporary accommodation.
Source : Landlord and Tenant Board — application and hearing process · Link to this question
I moved out in B.C. What starts the deposit-return clock?
Jurisdiction or program : British Columbia / Colombie-Britannique
Subject to the Act’s exceptions, section 38 gives the landlord 15 days from the later of the tenancy ending and receipt of your written forwarding address to repay the deposit with interest or apply to claim against it. Inspection obligations and written agreements can affect the result.
Records to keep: Keep move-out and inspection records, the deposit receipt, your written forwarding address and proof of its receipt.
Source : British Columbia — Residential Tenancy Act, section 38 · Link to this question
Where can I take a rental dispute in Alberta?
Jurisdiction or program : Alberta
Alberta’s Residential Tenancy Dispute Resolution Service offers a route for eligible landlord–tenant disputes outside court. Start with its eligibility and application guidance to check whether it can hear your issue and what remedy you can request.
Records to keep: Prepare the lease, a dated event list, payment records, notices and a calculation of the amount in dispute.
Source : Alberta — Residential Tenancy Dispute Resolution Service · Link to this question
Can I take my Ontario roommate to the LTB over money they owe me?
Jurisdiction or program : Ontario
The LTB says its process governs landlord–tenant relationships, not an application by one tenant against another. Your lease and whether the person is a tenant or an occupant matter when identifying the right route.
Records to keep: Keep the lease, roommate agreement, transfers, shared-bill calculation and messages about repayment.
Source : Landlord and Tenant Board — application and hearing process · Link to this question
Work and Employment Insurance
Can I apply for EI if my employer has not sent my ROE?
Jurisdiction or program : Canada — EI / assurance-emploi
Yes. Service Canada says to apply right away and send required documents afterwards. Applying more than four weeks after your last day of work can cost you benefits. Applying does not by itself establish eligibility.
Records to keep: Keep your last work date, employer details, pay statements, requests for the ROE and application confirmation.
Source : Service Canada — applying for EI · Link to this question
EI was refused or I was told to repay it. Can I ask for a review?
Jurisdiction or program : Canada — EI / assurance-emploi
You can request reconsideration from Service Canada. Its published process calls for a signed request within 30 days after the decision was communicated; a late request needs an explanation and acceptance is not automatic. Include new information that could change the decision.
Records to keep: Keep the decision, the date you learned of it, your reasons, supporting records and proof of submission.
Source : Service Canada — EI reconsideration · Link to this question
I work for a bank or an airline. Do ordinary provincial employment rules apply?
Jurisdiction or program : Canada — federal/provincial jurisdiction
First check whether your workplace is federally regulated. The federal list includes banks, air transportation and several interprovincial industries. The relevant employment standards route depends on the workplace; a Québec address alone does not establish CNESST jurisdiction.
Records to keep: Write down the employer’s legal name, industry, work location, employment agreement and the issue you need assessed.
Source : Government of Canada — federally regulated workplaces · Link to this question
Taxes and federal processes
I disagree with my CRA notice of assessment. Where do I start?
Jurisdiction or program : Canada — CRA / ARC
The CRA has an income tax objection process for disputing assessments and determinations. Use the route matching the notice rather than treating every tax issue as a service complaint. Check that route’s deadline immediately.
Records to keep: Keep the assessment, relevant tax year, return, disputed amounts, supporting receipts and submission confirmation.
Source : CRA — objection routes · Link to this question
My business received a GST/HST assessment. Is the objection route the same as personal income tax?
Jurisdiction or program : Canada — GST/HST / TPS-TVH
The CRA lists GST/HST objections separately from income tax objections. Follow the GST/HST instructions for that assessment, including its filing requirements and deadline.
Records to keep: Keep the assessment number, reporting periods, returns, invoices, payment records and your reconciliation of the disputed tax.
Source : CRA — objection routes · Link to this question
Bills, credit and travel
My phone company will not fix a billing problem. Who can help?
Jurisdiction or program : Canada — telecom / télécommunications
Start by raising the issue with the provider. If that does not resolve it, the CRTC directs consumers to the CCTS for telecom complaints within its mandate. Accessibility complaints have a CRTC route.
Records to keep: Keep the contract, disputed bills, advertised offer, payment records, complaint number and the provider’s response.
Source : CRTC — telephone service complaints · Link to this question
My bank closed my complaint without fixing it. What comes next?
Jurisdiction or program : Canada — banks / banques
FCAC explains that you may contact OBSI when the bank gives its detailed written response and closes the complaint, or once more than 56 days have passed since your complaint, whichever comes first. Provincial credit unions may follow a different process.
Records to keep: Keep the first complaint date, account statements, correspondence, requested resolution and the bank’s final response.
Source : FCAC — bank complaints · Link to this question
My Canadian credit report shows a debt that is wrong. What should I send?
Jurisdiction or program : Canada — credit reporting / dossier de crédit
Dispute the specific entry with Equifax or TransUnion and provide records showing the error. FCAC also suggests contacting the lender. Correcting an error is free; an investigation does not guarantee the entry will be removed.
Records to keep: Save the report date, disputed entry, account statements, payment proof and copies of each dispute.
Source : FCAC — credit report errors and fraud · Link to this question
Who handles complaints about a credit bureau in Canada?
Jurisdiction or program : Canada — province/territory
FCAC notes that the federal government does not regulate credit bureaus. Start with the bureau; for an unresolved complaint about its treatment of you, consult your provincial or territorial consumer affairs office.
Records to keep: Keep the bureau’s response and a short list of the corrections you asked for and the evidence you supplied.
Source : FCAC — credit report errors and fraud · Link to this question
My airline rejected my delay claim. Can I go straight to the CTA?
Jurisdiction or program : Canada — air passenger complaints / transport aérien
The CTA requires written contact with the airline first and time for a response, up to 30 days. Keep proof of that contact. The applicable claim deadline depends on whether the issue is a delay, cancellation or baggage problem.
Records to keep: Keep the booking, itinerary, disruption messages, written claim and airline response. Compensation depends on the applicable rules and facts.
Source : Canadian Transportation Agency — air travel complaints · Link to this question
Are screenshots and receipts useful for a Canadian airline complaint?
Jurisdiction or program : Canada — air passenger complaints / transport aérien
Yes. The CTA asks for evidence of contact with the airline, booking information and receipts for expenses. A baggage incident report alone does not replace making a complaint to the airline.
Records to keep: Save the original files and a dated copy of each submitted document, including the complaint confirmation.
Source : Canadian Transportation Agency — air travel complaints · Link to this question
Permits and immigration
My employer wants proof while my work permit extension is pending. What can I show?
Jurisdiction or program : Canada — IRCC
Eligible online applicants may receive a WP-EXT letter to show with their current permit. It describes continuing work under the original conditions while IRCC processes the application. The letter is not permission for every applicant or every new job.
Records to keep: Keep your current permit, submission confirmation, payment receipt and any WP-EXT letter together.
Source : IRCC — after applying to extend a work permit · Link to this question
Family and child support
I separated from my partner. When should I tell the CRA?
Jurisdiction or program : Canada — CRA / ARC
For separation caused by a relationship breakdown, the CRA says to wait at least 90 days before reporting separated status. Once that period is met, the effective date is the day you started living apart. A status change can trigger benefit and credit recalculation.
Records to keep: Keep the date you began living apart, the update confirmation and later benefit notices. Check that the effective date is correct.
Source : CRA — marital status and benefit recalculation · Link to this question
Can I use the same child support calculator everywhere in Canada?
Jurisdiction or program : Canada — federal/provincial guidelines
No. Which guidelines apply depends on the family’s situation. Provincial or territorial rules apply when parents were never married; divorce cases have federal rules with designated-province exceptions. Justice Canada identifies Québec, Manitoba and New Brunswick as designated provinces.
Records to keep: Record both parents’ provinces, marital and divorce status, existing orders, income records and parenting arrangements before choosing a table.
Source : Justice Canada — which child support guidelines apply · Link to this question
Could an old federal child support table give me the wrong amount?
Jurisdiction or program : Canada — federal child support tables
Yes. Justice Canada says updated federal tables took effect on October 1, 2025. Check the version and the period being calculated, as well as whether federal tables apply. An online estimate does not itself change an existing order.
Records to keep: Keep the table version, income year, calculation date and existing order so a professional can check the comparison.
Source : Justice Canada — child support · Link to this question