Our Budget Advisers Want To Help

Information Sessions

Be informed! Option consommateurs offers information sessions dealing with a range of topics related to personal finances, such as the Consumer Protection Act. These meetings given by our budget advisers are offered to community organizations, companies and public and para-public organizations.

Our budget advisers will be able to adapt both the contents and the length of the information sessions to the needs of your organization and its clients. Accordingly, once you have defined your needs properly, we will be able to decide whether to develop certain points or drop others.

N.B. An information session lasts an average of two to three hours. Charges may be requested.

We inform you about:

Budgeting

Budget method (budget estimates, income, expenditure, debts)
Ways to balance your budget and tricks to help you save
The cost of indebtedness
Consequences of debt (credit file, seizure, etc.)
Solutions to being in debt (negotiations with creditors, consolidating the loan, etc.)
Etc.

Financial institutions:

Financial institutions in Quebec
Opening an account and over-the-counter transactions
Automatic Teller Machine (ATM) (accessibility and advantages, personal identification number, etc.)
Computerized transactions (automatic withdrawals, automatic transfer, etc.)
Etc.

Costly credit:

Pawnbroking and usurious loans
Second chance credit (loans at high interest rate, etc.)
Lease to buy (leasing agreement with option to buy)
Cheque cashing services
Financing plans

The Consumer Protection Act (CPA):

Situations to which the CPA applies
Various types of contracts protected by the CPA
Retailers’ guarantees and refunding policies
Commercial practices (advertising, misleading declarations etc.)
Legal recourse
Etc.

Depending on your needs, we can address other topics such as class action, privacy and identity theft, rights and recourse of travelers, etc.

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