Go to content

Go to secondary navigation

Office de la protection du consommateur.

  • Home
  • Sitemap
  • Québec.ca
  • Contact us
  • Accessibility
  • Print this page.
  • Text size normal.
  • Text size large.
  • Follow us on Facebook.
  • Follow us on Twitter.
  • Follow us on YouTube.
  • List of RSS feeds.

Français

  • Home
  • Section dedicated to consumers
  • Section dedicated to merchants
  • Latest news
  • About the Office
  • Contact us

Section dedicated toconsumers

  • Credit, collection of debts and personal finances
    • Credit card and line of credit
      • Consumer advice: before applying for a credit card or line of credit
        • Information on What Is a Credit Card or Line of Credit
        • Shopping for a Credit Card or Line of Credit
        • Beware of Introductory Offers
        • Determining a Reasonable Credit Limit
        • Making Sure Your Credit Contract Is Compliant
        • A Financial Institution's Obligations
        • Checking Whether Insurance Is Necessary
      • Applying for or canceling a credit card or line of credit
        • Credit Card Application Form
        • Evaluating One's Ability to Pay
        • Contents of the Contract
        • Membership, Renewal or Replacement Fees
        • Changes Made to a Contract
        • Cancelling a Contract
        • Mandatory Insurance
        • Joint Credit Accounts
      • Credit Charges and Rates
      • Payment
        • Minimum Payment
        • Difficulties Making Payment
        • Preauthorized Payment Agreements
      • Monthly statement (statement of account)
        • When and How a Statement of Account Must Be Sent
        • Mandatory Contents
        • Errors in the Monthly Statement
      • Credit Card Loss, Theft or Fraud
      • Advertising Rules
      • Other subjects related to credit cards and lines of credit
        • Checking Your Credit File
        • Budget Consulting Services
    • Crédit à coût élevé
      • Conseils : avant de conclure un contrat de crédit à coût élevé
        • Comprendre ce qu’implique le crédit
        • Savoir ce qu’est le crédit à coût élevé
        • Vérifier si le commerçant doit avoir un permis
        • Vérifier si une assurance est nécessaire
      • Contrat
        • Évaluation de la capacité à payer
        • Résultat de l’évaluation de la capacité à payer
        • Contenu du contrat
        • Annulation du contrat
      • Recours
      • État de compte et paiements
      • Publicité et autres pratiques commerciales
      • Autres sujets liés au crédit à coût élevé
        • Dossier de crédit
        • Services de consultation budgétaire
    • Instalment Sale
      • Consumer Advice: Before Signing a Contract
        • What Credit Involves
        • What a Contract Must Contain
        • Finding Out About the Cancellation Terms
        • Checking Whether Insurance Is Necessary
      • Instalment Sale Contract
        • What Is an Instalment Sale Contract?
        • Evaluating One’s Ability to Pay
        • Contents of a Contract
        • Modifying or Cancelling a Contract
        • Mandatory Insurance
      • Payment
        • Credit Charges and Rates
        • Payment Terms
        • End of Payments
        • Difficulties Making Payment
      • Statement of Account
        • Obtaining a Statement of Account
        • Error in a Statement of Account
      • Advertising Rules
      • Other Topics Related to Instalment Sale Contract
        • Checking Your Credit File
        • Budget Consulting Services
    • Money Loans
      • Consumer Advice: Before You Borrow
        • What Credit Involves
        • Exercising Caution When the Lender Is Not a Financial Institution
        • What the Contract Must Contain
        • Finding Out About the Cancellation Terms
      • Contracts for the Loan of Money
        • What Is a Money Loan?
        • Evaluating One’s Ability to Pay
        • Examples of Money Loans
        • Modifying or Cancelling a Contract for the Loan of Money
        • Mandatory Insurance
      • Reimbursing the Loan
        • Credit Charges and Rates
        • Frequency and Amount of the Payments
        • Difficulties Making Payment
      • Statements of Account
        • When and How a Statement of Account Must Be Sent
        • Contents of a Statement of Account
        • Error in a Statement of Account
      • Advertising Rules
      • Other Topics Related to Money Loans
        • Credit Brokers
        • Budget Consulting Services
    • Plan de financement
    • Long-term leasing with purchase option
      • Consumer advice: before entering a long-term leasing contract
        • What Long-Term Leasing Involves
        • What the Contract Must Contain
        • Terms of Payment
        • Finding Out About Cancellation Terms
      • Lease contract with purchase option
        • What Is a Lease Contract with Purchase Option?
        • Mandatory Insurance
        • Cancelling a Contract
      • Difficulties Making Payment
      • Returning an Item Before the End of the Lease
      • False Information and Misleading Advertizing
    • Debt Collection by an Agency
      • Consumer Advice: If a Collection Agent Contacts You
        • Checking Whether a Collection Agency Holds a Permit
        • Asking the Agent to Contact You in Writing
        • Prohibited Practices
        • Refusing to Pay a Supplement
      • What Is a Collection Agency?
      • Communications from a Collection Agent
        • Rules About the 1st Contact
        • Documents to Request
        • Contacting You at Work
        • Communications with Friends or Relatives
        • Times When You May Be Contacted
        • Mistaken Identity
      • Payments and Receipts
      • Putting an End to Harassment
      • Recourse Options Against a Collection Agent
      • Budget Consulting Services
    • Recouvrement de dettes par un créancier
      • Qui peut recouvrer une somme d’argent?
      • Règles encadrant les communications
        • Communications au travail et avec l’entourage
        • Erreur sur la personne
      • Remboursement de la somme due
      • Mettre fin à du harcèlement
      • Recours contre un créancier
      • Services de consultation budgétaire
    • Debt settlement
      • Consumer advice: before doing business with a debt settlement service merchant
        • Checking whether a merchant is required to hold a permit
        • Obtaining information before entering into an agreement online or by telephone
        • Mandatory elements of a contract
        • Contacting a consumer association
      • What is a debt settlement service merchant?
      • Debt settlement service contract
        • Contents of a contract
        • Cancelling a contract
      • Communications with your creditors
        • Proposals made to your creditors
        • Mandatory follow-up by merchants
      • Terms and conditions for collecting payments
      • Prohibited merchant practices
    • Assurances et finances personnelles
      • Assurances
      • Carte de débit et compte personnel
        • Fraude d’une carte de débit
        • Ouverture d’un compte personnel et frais d’utilisation
      • Placements, REER, CELI, REEE
      • Services comptables
      • Services de consultation budgétaire
Long-term leasing with purchase option
  • Long-term leasing with purchase option
    • Consumer advice: before entering a long-term leasing contract
      • What Long-Term Leasing Involves
      • What the Contract Must Contain
      • Terms of Payment
      • Finding Out About Cancellation Terms
    • Lease contract with purchase option
      • What Is a Lease Contract with Purchase Option?
      • Mandatory Insurance
      • Cancelling a Contract
    • Difficulties Making Payment
    • Returning an Item Before the End of the Lease
    • False Information and Misleading Advertizing

Long-term leasing with purchase optionConsumer advice: before entering a long-term leasing contract

  • What Long-Term Leasing Involves »
  • What the Contract Must Contain »
  • Terms of Payment »
  • Finding Out About Cancellation Terms »

Go to the portal of the Government of Québec.

  • © Government of Québec, 2020
  • Search the site
  • Privacy Policy
  • Access to information