Alberta Credit and Debt Guide: Provincial Laws & Consumer Rights (2026)
- Alberta’s Fair Trading Act (FTA) is the cornerstone of consumer protection law in the province, covering everything from unfair business practices to debt collection rules.
- Alberta has a 2-year limitation period on most debts — and crucially, acknowledgment by a debtor can restart that clock.
- Alberta’s Civil Enforcement Act gives debtors some of the strongest wage garnishment exemptions in Canada — 70% of net wages are exempt.
- Payday lenders in Alberta are capped at $15 per $100 borrowed with a mandatory 42-day cooling-off period between loans from the same lender.
- Alberta’s homestead exemption protects up to $40,000 in home equity from seizure by unsecured creditors.
- Free help is available through Service Alberta, Money Mentors, and Legal Aid Alberta.
Alberta is a province with a strong culture of financial independence — but even the most disciplined Albertan can find themselves dealing with mounting debt, damaged credit, or aggressive collectors. The province’s legal framework offers meaningful protections for consumers in financial hardship, but like all legal rights, they only work if you know about them and exercise them.
This comprehensive guide covers everything an Alberta consumer with credit or debt challenges needs to know: from the provincial limitation period that limits how long creditors can sue you, to the collection agency rules under the Fair Trading Act, to the generous wage garnishment exemptions that protect your take-home pay. We also profile the free and low-cost resources available specifically to Albertans.
Whether you’re dealing with a collection agency, considering a debt consolidation loan, exploring a consumer proposal, or simply trying to understand your rights — this guide gives you the foundational knowledge to make informed decisions.
Alberta’s Consumer Protection Framework
Alberta’s primary consumer protection legislation is the Fair Trading Act (FTA), administered by Service Alberta. The FTA governs a broad range of consumer transactions and is complemented by sector-specific regulations including the Collection and Debt Repayment Practices Regulation, the Payday Loans Regulation, and the Credit and Personal Loans Regulation. Together, these laws set the rules for how businesses — including lenders, collectors, and creditors — must treat Alberta consumers.
Alberta’s 2-Year Limitation Period: What You Need to Know
Under Alberta’s Limitations Act, most debts are subject to a basic 2-year limitation period. This means a creditor has two years from the date they knew (or ought to have known) about the claim to commence a court action. Once this window closes, the debt becomes statute-barred and a creditor can no longer sue you to enforce it.
This is one of the most powerful protections available to Albertans dealing with old debts. However, several critical nuances apply:
What Triggers the Limitation Clock?
The 2-year period typically begins on the date of the last missed payment — or, more precisely, the date the creditor discovered (or ought to have discovered) the default. For a credit card, this is usually the date of the first missed minimum payment. For a personal loan, it’s typically the date a payment was missed and not caught up.
What Resets the Clock in Alberta?
| Action by Debtor | Effect on Clock | Practical Implication |
|---|---|---|
| Making any payment on the debt | Resets to 2 years from payment date | Never pay on an old debt without considering this |
| Written acknowledgment of the debt | Resets the clock | Don’t sign anything or send emails acknowledging the debt |
| Oral acknowledgment | May reset — disputed area | Be cautious when speaking with collectors about old debts |
| Ignoring the debt | Does NOT reset the clock | Silence is not acknowledgment in Alberta |
| Debt sold to new collector | Does NOT reset the clock | Original default date remains the reference point |
The 10-Year Ultimate Limitation Period
Alberta’s Limitations Act also includes an ultimate limitation period of 10 years from the date the claim arose. This is the backstop — regardless of any acknowledgments or partial payments, after 10 years from the original cause of action, no court proceedings can be started at all.
Don’t Acknowledge Old Alberta Debts
Alberta’s limitation period is among the most powerful debt defences available to consumers. If a collector contacts you about a debt that is more than 2 years old and you haven’t made any payments or acknowledgments, you may have a complete legal defence to any lawsuit. Do not make a payment or written acknowledgment without first verifying the age of the debt and consulting a credit counsellor or lawyer.
Alberta Collection Agency Laws: Your Rights Under the Fair Trading Act
The Fair Trading Act and the Collection and Debt Repayment Practices Regulation set out detailed rules about how collection agencies must operate in Alberta. These rules are enforced by Service Alberta’s consumer protection branch.
Collection Agency Licensing Requirements
All collection agencies operating in Alberta — including those located in other provinces but collecting from Albertans — must hold a valid collection agency licence issued by Service Alberta. Individual collectors must also be registered. You can verify licence status through the Service Alberta website.
One of the first things I tell clients who are being harassed by collectors is to ask for the agency’s licence number and verify it with Service Alberta. Unlicensed collectors have no legal standing in Alberta, and even licensed collectors who break the rules can be reported and penalized. Knowing this changes the power dynamic considerably.
What Alberta Collectors Are Prohibited From Doing
| Prohibited Conduct | Specific Rule |
|---|---|
| Calling at prohibited hours | No calls before 7 AM or after 10 PM on weekdays; 1 PM to 6 PM on Sundays |
| Harassment or threatening language | Cannot use profanity, intimidation, or threats of violence |
| False misrepresentation | Cannot claim to be a lawyer, police officer, or government official |
| Contacting employer (general) | Cannot contact employer except to verify employment or after judgment |
| Contacting third parties | Cannot contact neighbours, family, or friends about the debt (once for location only) |
| Collecting unauthorized amounts | Cannot collect interest, fees, or charges not in the original contract |
| Publishing debtor lists | Shaming tactics like publishing names of debtors are prohibited |
| Excessive contact | Cannot contact so frequently as to constitute harassment |
| Misrepresenting legal consequences | Cannot falsely threaten arrest, imprisonment, or immediate legal action |
Your Right to Cease Communication in Alberta
Alberta consumers have the right to request in writing that a collection agency stop contacting them. After receiving a written cease-communication request, the agency may only contact you to:
- Acknowledge receipt of your cease request
- Advise you of specific legal action they intend to take
This does not eliminate the debt or prevent a lawsuit — but it stops the harassment. Send your cease request by registered mail to have a delivery record.
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GET STARTED NOWDebt Validation in Alberta
Alberta law requires collection agencies to provide you with specific information when they first contact you about a debt. They must disclose:
- The name of the original creditor
- The amount of the debt claimed (principal, interest, fees)
- The name and contact information of the collection agency
- Information about your right to dispute the debt
If this information is not provided, you have the right to request it in writing. The collector must verify the debt if you dispute it within the specified timeframe before continuing collection activity.
Alberta Payday Lending: The $15 Cap and Key Protections
Alberta regulates payday lending under the Consumer Protection Act (a successor to certain FTA provisions) and the Payday Loans Regulation. The rules provide significant consumer protections, though payday loans remain among the most expensive forms of credit legally available in Canada.
Alberta Payday Loan Rules
| Rule | Alberta Requirement |
|---|---|
| Maximum borrowing cost | $15 per $100 borrowed |
| Cooling-off period | 2 business days to cancel without penalty |
| Same-lender waiting period | 42 days after repayment before a new loan from same lender |
| Instalment option | Borrowers with 3+ loans in 63 days must be offered a repayment plan |
| NSF fees | Maximum $25 for a dishonoured cheque or pre-authorized payment |
| Default charges | Strictly limited — lenders cannot add unauthorized default fees |
| Rollover prohibition | Rollovers of outstanding loans are prohibited |
| Lender licensing | Must be licensed by Service Alberta |
Alberta’s 42-day same-lender waiting period is a particularly strong protection that goes beyond what most provinces require. It prevents the revolving door where borrowers repay one loan and immediately take another from the same lender — a cycle that traps many people in perpetual payday debt.
Alberta’s Extended Repayment Plan
If you’ve taken out three or more payday loans in a 63-day period, Alberta law requires your payday lender to offer you an extended repayment plan. This plan breaks your repayment into multiple instalments spread over a longer period without additional charges. If your lender is not offering this when required, report them to Service Alberta. This rule was designed specifically to help consumers who have fallen into the payday loan cycle.
Better Alternatives to Payday Loans in Alberta
- Alberta credit union emergency loans: Servus Credit Union and ATB Financial offer emergency credit options at far lower rates
- AISH and income support emergency advances: Eligible Albertans receiving government support may access emergency advances
- Alberta Works emergency payments: Available for specific emergency situations
- Money Mentors debt repayment help: If payday loans are a symptom of deeper debt issues, Money Mentors can help you address the root cause
Wage Garnishment in Alberta: The 70% Exemption
Alberta’s wage garnishment rules are among the most debtor-friendly in Canada. Under the Civil Enforcement Act and the Exemptions Regulation, Alberta provides a strong income exemption that protects the majority of your earnings from seizure.
Alberta’s Income Exemption Rules
| Income Type | Exemption | Notes |
|---|---|---|
| Employment wages (net) | 70% exempt | Creditor can only garnish up to 30% of net wages |
| CPP/OAS | Generally fully exempt from private creditors | CRA can still garnish for tax debts |
| Employment Insurance | Fully exempt from private creditors | Federal legislation provides this protection |
| AISH (Assured Income for Severely Handicapped) | Fully exempt | Provincial legislation protects all AISH payments |
| Income support (ABES) | Fully exempt | Alberta income support cannot be garnished by private creditors |
| Child support received | Fully exempt | Child support payments cannot be garnished |
The 70% exemption means that even if a creditor has obtained a court judgment and garnishment order against you, they can only take up to 30 cents of every dollar you earn after taxes. This is designed to ensure you can still meet basic living expenses while repaying a debt through garnishment.
Garnishment Process in Alberta
-
Creditor Obtains Judgment
The creditor sues you in Alberta Court of King’s Bench or Provincial Court (Civil Division) and wins a judgment.
-
Creditor Registers the Judgment
The judgment is registered with the Personal Property Registry or land titles office as appropriate.
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Creditor Applies for Garnishment
The creditor applies to the court for a garnishment order against your employer or financial institution.
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Employer or Bank Is Served
Your employer or bank receives the garnishment order and is legally required to comply — withholding up to 30% of net wages or available account funds (subject to exemptions).
-
Funds Remitted to Court/Creditor
Withheld funds are sent to the court or directly to the creditor (depending on the order type) until the judgment is satisfied.
How to Stop Wage Garnishment in Alberta
- Negotiate directly with the creditor: Many creditors will pause or cancel garnishment if you establish a voluntary payment plan
- File a consumer proposal: An immediate stay of proceedings stops all garnishment from the moment the proposal is filed
- File for bankruptcy: Also provides an immediate stay of proceedings
- Dispute the underlying judgment: If the court order was obtained without proper notice to you, you may be able to set it aside
- Apply for a garnishment exemption review: If the 30% being garnished leaves you unable to meet basic needs, you can apply to the court for relief
Alberta Bankruptcy Exemptions: What You Get to Keep
When an Albertan files for bankruptcy, federal and provincial law work together to ensure they retain certain essential assets. Alberta has some of the most generous exemptions in Canada — particularly for homeowners.
Alberta’s Bankruptcy Exemption Schedule
| Asset | Exempt Amount | Key Details |
|---|---|---|
| Principal residence (homestead) | $40,000 equity | One property; must be your principal residence; significant for first-time homeowners |
| Motor vehicle | $5,000 | One vehicle; equity above this amount is not protected |
| Household furnishings | $4,000 | Essential household items for basic living |
| Tools of the trade | $10,000 | Equipment, tools, and machinery required for your occupation |
| Clothing | $4,000 | Personal clothing for you and your dependants |
| Medical/dental aids | Unlimited | Wheelchairs, hearing aids, prosthetics, etc. |
| RRSP/RRIF/DPSP | Fully exempt (contributions 12+ months old) | One of the most valuable exemptions for working Albertans |
| Life insurance (registered) | Generally exempt where beneficiary is spouse/child | Check policy structure with your LIT |
| Farm property (if farming) | Additional exemptions apply | Alberta Judicature Act has special provisions for farmers |
The $40,000 homestead exemption is particularly significant for Alberta homeowners. In a province where real estate values have climbed steadily, many homeowners have less than $40,000 in equity — especially if they purchased recently with a small down payment. This means many Albertan homeowners can file for bankruptcy without losing their home, provided they continue making mortgage payments.
Alberta Homestead Exemption Strategy
If your home equity is close to the $40,000 threshold, the timing of a bankruptcy filing matters. A Licensed Insolvency Trustee can help you understand exactly how much equity would be calculated at the time of filing (after deducting realtor fees, legal costs, and the exemption itself). In many cases, Albertan homeowners are surprised to find their home is fully protected — giving them the debt relief of bankruptcy without housing instability.
“The purpose of exemptions is not to reward insolvency — it’s to ensure that Canadians who file for bankruptcy retain the basic tools they need to maintain their dignity, care for their families, and rebuild their financial lives.”
Alberta’s Orderly Payment of Debts Program
Alberta is one of only a few provinces that operates a provincially legislated debt repayment program: the Orderly Payment of Debts (OPD) program. This program is available exclusively through Money Mentors (formerly the Credit Counselling Society of Alberta) and is authorized under the federal Bankruptcy and Insolvency Act, Part X.
How the OPD Program Works
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Free Consultation
You meet with a Money Mentors credit counsellor for a free consultation to review your debts, income, and expenses.
-
OPD Application
If OPD is suitable for your situation, Money Mentors files an application to consolidate your unsecured debts into a single monthly payment.
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Court Consolidation Order
The application is filed with the court, and if approved, your unsecured creditors are legally bound to accept the repayment terms.
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Interest Rate Reduction
The OPD consolidates debts at a maximum interest rate of 5% — dramatically lower than credit card rates of 19-29%.
-
Single Monthly Payment
You make one monthly payment to Money Mentors, who distributes funds to your creditors. This continues until all included debts are paid in full.
| Feature | OPD Program (Alberta) | Consumer Proposal (Federal) |
|---|---|---|
| Repays 100% of principal? | Yes | No — typically 20-50% of principal |
| Interest rate | Maximum 5% | 0% (interest is frozen) |
| Credit bureau notation | R7 during program; removed 2 years after completion | R7 for 3 years after completion |
| Who administers it | Money Mentors (non-profit counsellor) | Licensed Insolvency Trustee |
| Stays garnishments? | Yes — when court consolidation order is granted | Yes — immediately upon filing |
| Creditor consent required | No — court binds creditors | Majority by dollar value must accept |
| Available outside Alberta | No | Yes — all of Canada |
The OPD program is uniquely available to Albertans and is often a good middle ground for consumers who want to repay their debts in full but need relief from high interest rates and collection calls. It’s worth discussing with a Money Mentors counsellor whether OPD or a consumer proposal is the better fit for your situation.
The Fair Trading Act: Broader Consumer Protections
Beyond debt collection, Alberta’s Fair Trading Act provides sweeping consumer protections across many types of commercial transactions. Key provisions relevant to credit and debt include:
Unfair Practices
The FTA prohibits suppliers from engaging in “unfair practices” when dealing with consumers. This includes:
- Making false or misleading statements about credit terms, interest rates, or total cost of borrowing
- Exploiting a consumer who cannot understand the nature of a transaction due to disability, age, or language barriers
- Exerting undue pressure to enter into a consumer transaction
- Taking advantage of a consumer’s inability to adequately protect their own interests
If you entered into a credit agreement through unfair practices, you may have the right to cancel the agreement or seek damages. Service Alberta can investigate complaints and take enforcement action.
Credit Disclosure Requirements
Under the FTA and the Credit and Personal Loans Regulation, lenders in Alberta must provide clear disclosure of:
- The annual interest rate (APR)
- The total cost of borrowing in dollar terms
- All fees, charges, and conditions
- Your cancellation or prepayment rights
If a lender fails to provide mandatory disclosure, you may have the right to cancel the credit agreement without penalty. This is a powerful but rarely exercised consumer right — if you feel you weren’t properly informed about the true cost of a loan, consider filing a complaint with Service Alberta.
Credit Reporting Rights for Alberta Consumers
Alberta consumers benefit from both federal and provincial privacy legislation when it comes to credit reporting. The federal Personal Information Protection and Electronic Documents Act (PIPEDA) applies to federally regulated financial institutions, while Alberta’s own Personal Information Protection Act (PIPA) provides additional provincial protections.
How Long Negative Information Stays on Your Alberta Credit Report
| Negative Item | Reporting Period | Clock Starts From |
|---|---|---|
| Late payments | 6 years | Date of the delinquency |
| Collections accounts | 6 years | Date of first default on the original account |
| Court judgments | 6 years | Date judgment was issued |
| First bankruptcy | 6 years after discharge | Date of discharge (not filing) |
| Second+ bankruptcy | 14 years after discharge | Date of discharge |
| Consumer proposal | 3 years after completion | Date of completion (last payment) |
| OPD program | 2 years after completion | Date the program is completed |
Disputing Credit Report Errors in Alberta
If your credit report contains errors — and studies suggest a significant percentage of Canadians have errors on their reports — you have the right to dispute them:
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Get Your Reports
Request your full credit reports from both Equifax Canada and TransUnion Canada. You’re entitled to a free copy by mail annually from each bureau.
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Identify Errors
Look for accounts you don’t recognize, incorrect payment statuses, debts that are past the reporting period, or personal information errors.
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File Disputes
Submit a dispute directly to the credit bureau showing the error. Include supporting documentation (bank statements, correspondence, etc.).
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Creditor Investigation
The bureau contacts the creditor to verify the information. The creditor must respond — if they can’t verify it, the information must be removed.
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Escalate if Needed
If the bureau refuses to correct a legitimate error, file a complaint with Alberta’s Office of the Information and Privacy Commissioner (OIPC) under PIPA.
Service Alberta: Your Consumer Protection Ally
Service Alberta is the provincial ministry responsible for enforcing the Fair Trading Act and protecting Alberta consumers. They are an essential resource for anyone dealing with unfair collection practices, payday lending violations, or other consumer protection issues.
Service Alberta Consumer Services
- Consumer Investigations: Investigates complaints about businesses that may have violated the FTA
- Licence verification: Confirm whether a collection agency or payday lender is licensed
- Consumer advisors: Staff can provide general information about your rights
- Website: alberta.ca/consumer-tips
- Phone: 1-877-427-4088
File Your Complaint Early
Service Alberta consumer complaints are more likely to result in action when filed promptly and with documentation. If a collector has harassed you, threatened you, or called at prohibited hours, write down every detail: the date and time of each call, what was said, and the caller’s name and agency. This documentation is essential when you file a formal complaint. Service Alberta can investigate and, in serious cases, revoke a collection agency’s licence.
Free and Low-Cost Resources for Albertans in Financial Hardship
Money Mentors (formerly Credit Counselling Society of Alberta)
Money Mentors is a non-profit credit counselling agency that has served Albertans for over 25 years. They are the exclusive provider of Alberta’s Orderly Payment of Debts program and offer a range of free services to Albertans in financial difficulty.
- Website: moneymentors.ca
- Phone: 1-888-294-0076
- Services: Free consultations, OPD program, budgeting workshops, credit counselling
- Cost: Initial consultation is free; OPD program has nominal fees
Legal Aid Alberta
Legal Aid Alberta provides legal assistance to low-income Albertans. While primarily focused on criminal and family law, they can provide referrals and limited assistance for debt-related issues where legal rights are at stake.
- Website: legalaid.ab.ca
- Phone: 1-866-845-3425
- Edmonton: 780-451-6510
- Calgary: 403-269-0898
Centre for Public Legal Education Alberta (CPLEA)
CPLEA provides plain-language legal information for Albertans, including excellent resources on debt, credit, and consumer rights. Their website has free guides covering many of the topics in this article.
- Website: cplea.ca
- Free legal guides and resources on debt, credit, and consumer law
Licensed Insolvency Trustees
For consumers whose debt exceeds their ability to manage through counselling or an OPD program, a Licensed Insolvency Trustee (LIT) is the professional who can administer consumer proposals and bankruptcies. Initial consultations are typically free.
- Find an LIT in Alberta: ised-isde.canada.ca/site/office-superintendent-bankruptcy/en
- OSB consumer helpline: 1-877-376-9902
ATB Financial / Servus Credit Union Emergency Programs
Alberta-based financial institutions including ATB Financial and Servus Credit Union offer financial hardship programs for existing customers and may offer emergency credit at lower-than-payday-loan rates. Contact them directly if you are already a customer facing financial difficulty.
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GET STARTED NOWCredit Rebuilding After Financial Hardship in Alberta
Once your debt situation is under control — through repayment, a consumer proposal, OPD, or bankruptcy — the focus shifts to rebuilding your credit and financial life in Alberta.
Timeline Expectations for Credit Recovery
| Milestone | Approximate Timeline | Actions to Take |
|---|---|---|
| Immediately after proposal/bankruptcy | Month 1-3 | Get credit reports, open a secured card, start a budget |
| First signs of improvement | Month 6-12 | Score may begin rising with consistent secured card use |
| Qualify for unsecured credit | Year 1-2 | Apply selectively for one unsecured credit product |
| Access mainstream lending | Year 2-3 (proposal) or 5-6 (bankruptcy) | May qualify for car loans, personal loans at reasonable rates |
| Full credit recovery | Year 3-7 depending on path taken | Mortgage eligibility, full credit range available |
Rebuilding credit after insolvency in Alberta is absolutely achievable. The clients I see who rebuild fastest share two traits: they monitor their credit regularly so they can track progress and catch errors, and they use credit conservatively — one secured card, paid in full each month. That one habit, sustained for 18-24 months, typically results in a significant and measurable score improvement.
Frequently Asked Questions: Alberta Debt and Credit Law
Can an Alberta collection agency contact me on a Sunday?
Yes, but only between 1 PM and 6 PM on Sundays. Calls before 7 AM or after 10 PM any day are prohibited, as are calls at any time on statutory holidays. If a collector contacts you outside these hours, document the time and report it to Service Alberta.
Is the OPD program the same as a debt consolidation loan?
No. The Orderly Payment of Debts (OPD) program is a legislated process that consolidates your payments through the courts — creditors are legally bound to accept the terms. A debt consolidation loan is a new loan you take out to pay off existing debts. OPD doesn’t require you to qualify for new credit, which is a significant advantage for those with already-damaged credit scores.
What happens to my Alberta pension if I go bankrupt?
Registered pension plans in Alberta are generally protected from creditors both before and during bankruptcy. Employment Pension Plans governed by the Alberta Employment Pension Plans Act are exempt from seizure. However, you should verify the status of your specific plan with your LIT, as the structure of some plans can affect their protected status.
Can CRA garnish more than 30% of my wages in Alberta?
Yes. Canada Revenue Agency (CRA) is not bound by Alberta’s 70% wage exemption rule. CRA can garnish 100% of wages, salaries, and most other income streams for unpaid taxes — this is one of the reasons CRA debt is considered particularly serious. The best defence against CRA garnishment is filing a consumer proposal, which (unlike bankruptcy) allows you to include CRA debt under a court-supervised repayment plan.
How does Alberta treat student loan debt in bankruptcy?
Federal and provincial student loans have special treatment under the Bankruptcy and Insolvency Act. They are generally NOT discharged in bankruptcy unless you have been out of school for at least 7 years at the time of filing. After 5 years, you can apply to the court for early discharge of student loan debt, but you must demonstrate hardship. This applies regardless of province.
Can I file a consumer proposal if I also have a mortgage?
Yes. A consumer proposal does not include your mortgage — secured debts like mortgages are excluded from the proposal. Your mortgage lender is not affected by the proposal, and you continue to make your regular mortgage payments. The proposal only deals with unsecured debts (credit cards, personal loans, lines of credit, unsecured tax debt, etc.).
What should I do if a collection agency threatens to “take my house” in Alberta?
An unsecured creditor (like a credit card company) cannot simply take your house. To seize real property, they would need to: obtain a court judgment, register a writ of enforcement against your property, and follow the enforcement process under the Civil Enforcement Act. Even then, Alberta’s $40,000 homestead exemption protects significant equity. If a collector is making this threat without having obtained a judgment, it is likely a prohibited misrepresentation under the FTA — report them to Service Alberta.
Alberta Consumer Rights: Quick Reference Summary
| Issue | Your Right | Where to Go for Help |
|---|---|---|
| Old debt being collected | 2-year limitation period; don’t acknowledge without checking | Money Mentors, Legal Aid Alberta |
| Collector harassment | FTA prohibits harassment; send cease-communication letter | Service Alberta: 1-877-427-4088 |
| Payday loan problems | $15/$100 cap; 42-day cooling off; extended repayment right | Service Alberta consumer protection |
| Wage garnishment | 70% of net wages exempt | LIT for stay of proceedings; court for exemption review |
| Bankruptcy | $40,000 home equity, RRSP, tools, vehicle exempt | Licensed Insolvency Trustee |
| Credit errors | Right to dispute; PIPA complaint if not corrected | Equifax, TransUnion, AB OIPC |
| Unfair credit practices | FTA prohibits unfair practices; right to cancel in some cases | Service Alberta investigation |
Alberta Resources Directory
Key contacts for Alberta consumers facing debt and credit challenges:
- Service Alberta: 1-877-427-4088 | alberta.ca/consumer-tips
- Money Mentors: 1-888-294-0076 | moneymentors.ca
- Legal Aid Alberta: 1-866-845-3425 | legalaid.ab.ca
- CPLEA (legal info): cplea.ca
- OSB (find a trustee): 1-877-376-9902 | ised-isde.canada.ca
- Equifax Canada: equifax.ca
- TransUnion Canada: transunion.ca
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