For current COVID-19 information, see
If you have a COVID-19 question, .

Need Legal Help?
LIVE Mon - Fri: 11am - 2pm
Call/ Text Free: 1-855-875-8867

Consumer Protection BC: For consumer issues, call toll free: 1-888-564-9963.

Lawyer Referral Service: Call 1-800-663-1919 to consult with a lawyer for up to 30 minutes for $25.

Law Students’ Legal Advice Program: Vancouver: 604-822-5791. Get free help from law students.

Law Centre: Victoria: 250-385-1221. Get free help from law students.

Consumer Rights and Debt



When you purchase goods or services for your personal use, you are called a consumer.

As a consumer, you have legal rights and responsibilities when you buy goods or services or when you borrow or loan money.

In this section:

The consumer law terms used in this section are listed below:

Consumer The person who purchases a good or service for personal use
Contract An agreement between two or more people
Creditor The person who is owed an amount of money
Debt An amount of money a person owes
Debtor The person who owes money
Expense Money spent on something
Goods A product. Something you buy
Income Money received by you – usually earned
Small Claims Court A court that hears claims for up to $35,000
Warranty A promise about the quality of a product or service


Last reviewed date: 2021/ Apr