1 Understanding a Family Class Sponsorship Breakdown Ontario Council of Agencies Serving Immigrants, OCASI
2 What we are NOT going to talk about Family sponsorship applicants either in Canada or overseas waiting for their permanent residence to be issued. Family reunification of Convention Refugees or Protected Persons (because they are not considered family sponsors.)
3 SPONSORSHIP BREAKDOWN: WHAT YOU NEED TO KNOW Definition of Terms
4 Who is a Sponsor? A permanent resident or Canadian citizen who has: established the family relationship; have proven to Citizenship and Immigration Canada (CIC) financial capacity to meet all the basic requirements for the sponsored family member(s) to be established in Canada; signed a Sponsorship Agreement and Undertaking with CIC (a commitment to provide for the basic requirements ).
5 Who is a Co-Signer? The sponsor s spouse or common-law partner who is also a permanent resident or Canadian citizen can help financially by co-signing the Sponsorship Agreement and Undertaking. The co-signer has the same responsibilities as the sponsor.
6 Who is a Sponsored Family Member? Spouse, common law or conjugal partner (including same-sex partner); Dependant child 22 years or younger; Dependant child older than 22 years, who is a full-time student or in some other way is a the sponsor s dependant; Parents; who received their permanent resident status in Canada only because a sponsor signed a Sponsorship Agreement with CIC committing to provide for their establishment in Canada.
7 What is a Sponsorship Undertaking? The Sponsorship Undertaking is a legal document signed by the sponsor and cosigner (if applicable) as a commitment to the Government of Canada to provide basic necessities for the sponsored family member(s).
8 What is a Sponsorship Agreement? The Sponsorship Agreement is a legal document signed by the sponsor, the co-signer (if applicable) and the sponsored family member(s). The sponsor and co-signer agree to provide the basic requirements for daily living for the sponsored family member(s) included in the Sponsorship Undertaking so that they will not need to apply for social assistance. The sponsored family member(s) agrees to seek help from the sponsor if they are unable to provide for their own basic requirements. The sponsored family member(s) also consents to the release of information to the sponsor concerning social assistance during the period of the undertaking.
9 What are Basic Requirements? food, clothing, a place to live, heat, utilities, household supplies, personal requirements and health care not provided by public health including dental and eye care. (In Ontario there is a three-month waiting period after the date of arrival to become eligible for coverage under OHIP).
10 What is Ontario Works (OW)? OW is a program of the Ontario Ministry of Community and Social Services. It delivers income assistance to residents of Ontario who are in financial need. It is also commonly known as Welfare or Social Assistance
11 What is the Ontario Disability Support Program (ODSP)? ODSP is a program of the Ontario Ministry of Community and Social Services. It is designed to meet the needs of people with disabilities who are in financial need or who want and are able to work but need support.
12 What is the Overpayment Recovery Unit (ORU)? In October 2004, the Ontario Ministry of Community and Social Services established a centralized unit to collect outstanding social assistance debts from sponsors who have defaulted on their Sponsorship Agreement.
13 What is Sponsorship Breakdown? A sponsorship breakdown occurs when: the sponsor or co-signer refuse or is unable to provide some or all the basic requirements; the sponsored family member(s) starts to collect social assistance (under Ontario Works or ODSP). If the sponsored family member(s) does not collect social assistance due to self-supporting solutions, then it is not a sponsorship breakdown.
14 What is Sponsorship Default? During the Sponsorship period if the sponsored family member receives social assistance the sponsor and co-signer (if applicable) are in Sponsorship Default and must repay the social assistance payments to the Ontario government. The sponsor is not allowed to sponsor other family members until debt is repaid in full. Same criteria applies for H&C.
15 What is the Length of a Sponsorship? Depends on the age and type of relationship: Spouse Dependent child (<22 yrs.) Dependent child over 22 yrs. Parents 3 years 10 yrs. (or until 25 yrs.) 3 years 10 years
16 When Does the Undertaking Period Begin? On the day the sponsored family member(s) receives the permanent resident document, (if done within Canada), or On the day sponsored family member(s) enters Canada as a permanent resident (if done outside Canada).
17 INFORMATION FOR SPONSORS AND SPONSORED FAMILY MEMBERS
18 What are the Sponsor s Legal Responsibilities if there is a Change of Conditions or Circumstances? The Sponsorship Agreement is an unconditional guarantee of support. It cannot be cancelled or modified after sponsored family member(s) receive permanent residence even under change of conditions or circumstances of any of the parties involved (ie:divorce, moving, deterioration of financial condition, etc.). Bankruptcy: can t sponsor another family member -- sponsorship default (lifelong ban).
19 What are the Responsibilities of a Sponsored Family Member(s) in Canada? To sign a Sponsorship Agreement with the sponsor and co-signer (if applicable). To try supporting themselves and to ask their sponsors for assistance before seeking government support.
20 What are the Consequences of a Sponsorship Breakdown for the Sponsor? Debt = amount of OW or ODSP given to sponsored family member(s). OW or ODSP will advise CIC when a sponsor is not providing support. CIC will ban the sponsor from sponsoring another family member(s) until debt is fully repaid. OW or ODSP will calculate the debt and will refer the case to the Overpayment Recovery Unit (ORU). ORU informs sponsor by letter that sponsored family member(s) has received social assistance. (cont d)
21 Consequences Sponsor (cont d) Purpose of letter: to reach an agreement on how the sponsor will resume providing for the sponsored family member(s), or to start the collection of the debt. If necessary, the ORU will pursue the sponsorship debt by sending further letters to the sponsor or by referring the case to Canada Revenue Agency's (CRA) Refund Set-Off Program. The CRA can garnish (take over) any Income Tax refunds. ORU can take other steps against the sponsor e.g. court action. (cont d)
22 Consequences Sponsor (cont d) The sponsor s credit record will be negatively affected by all these debt recovery actions (e.g. application for a loan). If a sponsor has been convicted of a sexual offence or an attempt/threat to commit a sexual offence, he/she will not be eligible to sponsor again even if a sponsorship debt is repaid.
23 What happens to Sponsored Family Member(s) when there is a Sponsorship Breakdown? Conditions of eligibility to receive social assistance: Must try to get support from sponsor, except if breakdown is caused by abuse and/or family violence. After OW or ODSP has established the sponsored person has no means of private financial resources, the application for social assistance is approved. Will receive the same amount from OW or ODSP as any other person on social assistance. If the sponsor is providing partial support this will be treated as income and deducted from the sponsored person s social assistance. (cont d)
24 What happens to Sponsored Family Member(s) (cont d) A sponsored family member can be found ineligible to receive Social Assistance if: unwilling to provide information about sponsor; have not made reasonable efforts to pursue support from the sponsor or co-signer (if applicable).
25 What are the Rights of the Sponsor facing a Sponsorship Breakdown? Immigration status is not affected. All rights and benefits to which sponsor is entitled are not affected. Right to sponsor other relatives in the future if: sponsorship period is finished, have repaid outstanding debts and not on social assistance for at least 12 months before the time planning to submit a sponsorship application.
26 What are the Rights of a Sponsored Family Member facing Sponsorship Breakdown? Immigration Status is not affected. All rights and benefits to which a sponsored family member is entitled are not affected. If found in financial need a sponsored family member has the right to apply for OW or ODSP. Right to leave someone who is hurting, scaring or abusing them (even if that person is their sponsor). Right to end a violent relationship (spouse). (cont d)
27 Rights of Sponsored Family member(s) (cont d) Right to sponsor relatives in the future if: sponsorship period is finished and not on social assistance for at least 12 months before the time planning to submit a sponsorship application. The sponsor or co-signer (if applicable) cannot make the sponsored family member leave Canada. Note: sponsor does not have the right to keep children or property. If there is a dispute, this will be resolved according to Family Law.
28 Can the Sponsorship Obligations be Withdrawn? If CIC has already issued a visa, or a family member(s) has already become a permanent resident, the sponsor cannot withdraw the sponsorship.
29 What can the Sponsor do to Resolve a Sponsorship Breakdown? Contact the sponsored family member(s) directly and make an offer of assistance so they will stop receiving benefits. This is not possible if abuse and/or family violence has caused the breakdown. If making an offer of assistance fails, contact OW or ODSP to discuss the options and to remain informed about the situation. (cont d)
30 To Resolve a Breakdown (cont d) Seek to reach an agreement with OW or ODSP on how to resume providing for the sponsored family member(s) or make arrangements to repay the debt. The sponsor and the co-signer (if applicable) can provide partial support (debt will continue to accumulate). If asked to pay back social assistance, the sponsor may want to contact a community legal clinic for advice and help.
31 What can Stop or Postpone the Collection of the Debt by the ORU? The sponsor and co-signer (if applicable) are deceased. The sponsor and co-signer (if applicable) are incapacitated and unable to pay (i.e. in hospital and has no current ability to repay the debt). The sponsor and co-signer (if applicable) has undergone bankruptcy and the entire sponsorship debt was covered by the bankruptcy discharge. (cont d)
32 What stops/postpone collection (cont d) There is third-party verification of domestic violence or abuse by the sponsor against the sponsored person or vice-versa. The sponsor and co-signer (if applicable) is receiving social assistance. The sponsor s net family income is below the Low Income Cut Off (LICO) amount published every year by Stats Canada. The sponsor and co-signer (if applicable) are in receipt of Guaranteed Income Supplement (GIS). (cont d)
33 What stops/postpone collection (cont d) The sponsor and co-signer (if applicable) have documented extraordinary circumstances. For example, the sponsor has a serious health condition along with high, ongoing drug costs (significant impact on ability to repay the debt). NOTE: In cases where the sponsor s circumstances are likely to change, collection may be deferred up to 12 months. However, sponsorship debt continues to accrue until the end of the sponsorship period.
34 Exemptions for Sponsored Family Member(s) from Pursuing Sponsorship Support The ponsored family member will not be asked to pursue financial support from the sponsor where: the sponsorship agreement is no longer in effect; the sponsor is in receipt of OW, ODSP, GIS under the Old Age Security Act or Gains-A; the sponsor is deceased; the sponsorship has broken down due to family violence verified by a third-party and the sponsored family member has moved out of the sponsor s home.
35 What Happens after the Debt is Paid? The ORU will notify OW or ODSP that the debt has been repaid in full. OW or ODSP office will send the Confirmation of Repayment of Social Assistance Benefits Form to CIC to confirm the debt has been repaid in full. The ORU will send confirmation letter to the sponsor that the debt has been paid in full and that the file has been closed.
36 What happens with Permanent Resident Status if Sponsorship Breaks down? Sponsored family member(s) will not lose their permanent resident status if sponsorship breaks down even if they need to apply for social assistance.
37 IMPLICATIONS OF A SPONSORSHIP BREAKDOWN IN CASES OF ABUSE OR FAMILY VIOLENCE
38 Defining Abuse Abuse can be physical, emotional, verbal, sexual, psychological, and economic. It includes assault and battery, and other forms of mistreatment and cruelty such as constant threats, stalking, and psychological violence. All types of abuse have one thing in common they create fear.
39 What are the Implications of a Sponsorship Breakdown due to Abuse or Family Violence? In Sponsorship Breakdown that is caused by abuse or family violence the sponsor may either refuse or just stop providing assistance to the sponsored family member(s). The sponsored family member(s) may be forced to apply for social assistance (doesn t have to ask sponsor for assistance). Report any alleged incident of abuse and/or family violence in the application for OW or ODSP. (cont d)
40 Implications due to Abuse or Family Violence (cont d) The Sponsored family member will be granted three (3) months to establish the allegation of abuse by obtaining third-party verification. Documentation of abuse by a professional with knowledge of the person s situation is acceptable third-party verification. (cont d)
41 Implications due to Abuse or Family Violence (cont d) Can be confirmed by a letter on appropriate letterhead from any of the following: Law Enforcement Officer Lawyer Teacher Medical Doctor Social Worker Social Service Worker Shelter Worker Member of the Clergy Guidance Counselor Victim Service Worker Settlement Services Worker Community Health Care Worker
42 Implications due to Abuse or Family Violence (cont d) If unable to obtain third-party verification within three months, additional time may be provided as required. If abuse/family violence is confirmed, referral of the case for debt collection is deferred for up to 12 months. CIC will register the default but no letters will be sent to the sponsor or co-signer (if applicable) by either CIC or Social Services. If abuse and/or family violence has been resolved, the case can be referred for debt collection. (cont d)
43 Implications due to Abuse or Family Violence (cont d) If a sponsor has been convicted of a sexual offence or an attempt, threat to commit a sexual offence, she or he is not eligible to sponsor again even if the sponsorship debt is paid off. NOTE: A PERMANENT RESIDENT OR CANADIAN CITIZEN CAN LEAVE AN ABUSIVE PARTNER AND HER/HIS STATUS IN CANADA WILL NOT BE AFFECTED BY THAT DECISION ALONE.
44 What Happens when the Victim of Abuse is a Minor? For a minor under 16: OW or ODSP will contact Children Services Children s Aid Society will make a risk assessment of the situation. Abandonment of a child could be considered abuse in itself and the abandoning sponsor or co-signer(if applicable) could be prosecuted.
45 What if the sponsor has kept the documents? If the sponsored family member is afraid to ask their sponsor for their documents, they can apply to CIC for a certified copy of the permanent resident papers or a permanent resident card replacement. The police can help. The sponsored family member can ask directly or have a community worker request the police to go to sponsor s house with the sponsored person for safety.
46 What to do when there is Abuse or Family Violence? Abuse and family violence are not acceptable in Canada and are considered a crime. Seek legal advice. In an emergency call 911. Obtain crisis counselling, emotional support, and referrals to shelters for women: Assaulted Women s Helpline
47 Where to go for Additional Information, Help And Referrals Immigrant Serving Organizations Settlement.Org 211 Information & Referral Service Community Legal Clinics Assaulted Women s Helpline Ontario Works (OW) or Ontario Disability Support Program (ODSP) Overpayment Recovery Unit (ORU)
Ontario Works Policy Directives 9.3 Recovery of Overpayments Legislative Authority Sections 19-23, 28(6) and 32 of the Act Section 62 of Regulation 134/98. Section 10 of Regulation 135/98. Audit Requirements
An Overview of the Change to Spousal Sponsorship Policy The federal government introduced a period of conditional permanent residence that affects some spouses or partners being sponsored to live in Canada.
Key Legal terms: Family Law Issues for Immigrant, Refugee and Non Status Women Permanent Resident A permanent resident is an immigrant or refugee who has been given the right to live in Canada permanently.
Immigration and HIV Testing: What you need to know Citizenship and Immigration Canada requires a medical exam for all immigrants and refugees. The medical exam includes a screening test for HIV for everyone
Ontario Works Directives 5.5: Family Support Legislative Authority Sections 13, 14, 23, 59 and 69 of the Act. Sections 13(1), 15, 62(2) and 65.1 of Regulation 134/98. Sections 33(3) and 34(3) and (3.1)
Introduction 70 Who can sponsor under the family class? 70 Who can be sponsored in the family class? 70 Can I sponsor if I live outside Canada? 72 Do I have to financially support the person/s I sponsor?
GUIDE TO FAMILY REUNIFICATION IN CANADA TABLE OF CONTENTS General Information... 2 Context Canadian law and the importance of keeping families together... 2 General requirements to bring your family to
Citizenship and Immigration Canada Citoyenneté et Immigration Canada IMMIGRATION Canada Family Class Sponsorship of parents, grandparents, adopted children and other relatives Table of Contents Overview.........................
Citizenship and Immigration Canada Citoyenneté et Immigration Canada IMMIGRATION Canada Sponsoring parents, grandparents, adopted children and other relatives Table of Contents Overview.........................
Important Notice: This Borrower s Rights and Responsibilities Statement provides additional information about the terms and conditions of the loans you receive under the accompanying Federal Direct PLUS
Guide For Advocates Working With Immigrant Victims of Domestic Violence Created by the Domestic Violence Coordinating Council October 2009 This guide is intended to provide information to advocates working
This webinar is brought to you by CLEONet www.cleonet.ca CLEONet is a web site of legal information for community workers and advocates who work with low-income and disadvantaged communities in Ontario.
Citizenship and Immigration Canada Citoyenneté et Immigration Canada IMMIGRATION Canada Rehabilitation For Persons Who Are Inadmissible to Canada Because of Past Criminal Activity Table of Contents Overview.........................
The Criminal Injuries Compensation Board: An Option for Survivors of Violence May 27, 2016 Tamar Witelson, Legal Director, METRAC Cornelia Mazgarean, Lawyer, the Community and Legal Aid Services Programme
Legal rights and help for those who are subjected to criminal acts in Norway If you have been subjected to criminal acts in the form of physical and/or psychological violence, sexual abuse, forced marriage,
Some Frequently Asked Question from Public Meetings What is the sponsorship process with Lifeline Syria? Lifeline Syria will recruit, train and assist sponsor groups to welcome and support 1,000 Syrian
Community Legal Information Association of PEI, Inc. Sexual Assault As an adult in Canada, you have the right to choose when or if you engage in sexual activity. Sexual activity without your consent is
Individual life, critical illness and disability insurance Questionnaire for people new to Canada Use this checklist and questionnaire together with our underwriting guidelines to help determine the eligibility
Serving Teens Transitioning Into Adulthood The Condensed Version The Basics... CONTRACTUAL AGREEMENT FOR RESIDENTIAL SUPPORT (CARS) NC LINKS EDUCATION EMPLOYMENT HOUSING HEALTH CARE IMMIGRATION OPTIONS
YOUTH LEGAL CENTRE Victims compensation 1 Introduction The New South Wales victims compensation scheme allows victims of violent crime to receive: counselling financial compensation injuries suffered payment
Important Notice: This Borrower s Rights and Responsibilities Statement provides additional information about the terms and conditions of the loans you receive under the accompanying Federal Direct PLUS
We re Here to Help You can reach us by phone or by visiting one of our offices: Phone 1.866.845.3425 Monday to Friday The phone service enables Albertans across the province, and in the most remote areas,
REFUGEE CLAIMANT PROCESS The government passed Bill C-31 in June of 2012. On December 15th this Bill came into full effect, bringing with it sweeping changes to Canada's immigration and refugee system.
OP 17 Loans Updates to chapter... 7 1 What this chapter is about... 8 2 Program objectives... 8 2.1 Admissibility loan... 8 2.2 Assistance loan... 8 2.3 Right of Permanent Residence Fee loan... 8 2.4 Transportation
William D. Ford Federal Direct Loan Program Direct PLUS Loans Borrower s Rights and Responsibilities Statement Important Notice: This Borrower s Rights and Responsibilities Statement provides additional
You borrowed Direct Subsidized Loans and/or Direct Unsubsidized Loans to help you finance your education. Repaying these loans is a serious responsibility. This guide explains some of the most important
Design by Ultimatum Design Legal rights and help for those who are subjected to criminal acts in Norway If you have been subjected to criminal acts in the form of physical and/or psychological violence,
4 Criminal and Family Law ENG 004/2010 FAMILY LAW FOR WOMEN IN ONTARIO All Women. One Family Law. Know your Rights. Criminal and Family Law This booklet is meant to give you a basic understanding of legal
Nj Victims of Crime Compensation Office Claim Information and Application Instructions New Jersey has a Crime Victim s Compensation Fund to help with costs related to injuries received in a violent crime.
What is DOMESTIC VIOLENCE? Domestic violence is a pattern of control used by one person to exert power over another. Verbal abuse, threats, physical, and sexual abuse are the methods used to maintain power
Landlord/Tenant Issues for Survivors of Domestic Violence, Sexual Assault, and/or Stalking Introduction Tenants who are victims of domestic violence, sexual assault, unlawful harassment or stalking now
MOTHERS WITHOUT STATUS Practical information for service providers working with women who have no legal status MOTHERS WITHOUT STATUS: Practical information for service providers working with women who
LEAVING AN ABUSIVE RELATIONSHIP? 02 WHAT DO YOU NEED TO CONSIDER WHEN LEAVING? Leaving an abusive or controlling relationship can be a very stressful and dangerous time as family violence is often heightened
Civil Relief Options for Domestic Violence Victims By: Abigail A. Lindekugel While Orders for Protection ( OFPs ) and Harassment Restraining Orders ( HROs ) provide critically needed relief for domestic
Newcomer Finances Toolkit Government Support Programs Worksheets Ottawa Community Loan Fund Fonds d emprunt Communautaire d Ottawa 22 O Meara St., Causeway Work Centre, Ottawa, ON K1Y 4N6 Tel: 613-594-3535
Peel Region Upon completion, please return to: Peel Access to Housing Region of Peel - Human Services Large print applications are available upon request Disponible en français Application for Subsidized
The Hungarian Victim Support Service The Hungarian Parliament passed Act CXXXV of 2005 on Crime Victim Support and State Compensation on the 29th of November 2005. On the basis of equity and social solidarity
Know Your Rights NEW YORK STATE: WELFARE TO-WORK 395 Hudson Street New York, NY 10014-3684 t: 212.925.6635 f: 212.226.1066 www.legalmomentum.org Under federal welfare law, New York State receives a block
It s Not Right! Neighbours, Friends and Families for Older Adults What You Can Do to Keep Yourself Safe From Abuse Everyone has the right to be safe and free from abuse. No one should experience abuse.
Student Financial Assistance Branch Ministry of Training, Colleges and Universities Instructions for OSAP Paper Application Form for Full-Time Postsecondary Students 2011-2012 April 2011 Version 3 2011-2012
Filing a Form I-751 Waiver of the Joint Filing Requirement of the Petition to Remove Conditions on Residence Prepared by: Northwest Immigrant Rights Project http://www.nwirp.org 615 Second Avenue, Suite
SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CRIME VICTIMS COMPENSATION PROGRAM 515 Fifth Street, N.W., Suite 109 Washington, D.C. 20001 APPLICATION FOR CRIME VICTIMS COMPENSATION DATE RECEIVED: CLAIM NUMBER:
A GUIDE TO CRIMINAL INJURIES COMPENSATION Being a victim of crime such as physical or sexual assault can have significant and long-term consequences for a woman s health and wellbeing. If you have experienced
Annex A2 Guidance and Instruction on: FORCED MARRIAGE Table of Contents 1 Introduction 2 Action to Tackle Forced Marriage 2.1 Marriage Visa Consultation 2.2 Raising the Age 3 Definitions 3.1 Arranged Marriage
OP 21 Appeals Updates to chapter... 2 1. What this chapter is about... 3 2. Program objectives... 3 3. The Act and Regulations... 3 3.1. Forms... 4 4. Instruments and delegations... 4 5. Departmental policy...
IMMIGRATION AND REFUGEE FACT SHEET What can happen if a permanent resident is convicted of a crime This fact sheet explains how being convicted of a crime in Canada can affect someone s status as a permanent
THE LAW SOCIETY OF UPPER CANADA FREQUENTLY ASKED QUESTIONS ABOUT THE TSUNAMI AS IT RELATES TO IMMIGRATION Frequently Asked Questions about the Tsunami as it relates to Immigration Citizenship and Immigration
Citizenship and Immigration Canada Private Sponsorship of Refugees Program Minister of Public Works and Government Services Canada, 2011 Ci4-70/2011E-PDF 978-1-100-19054-9 1. Introduction Each year, millions
NORTH CAROLINA STATE EDUCATION ASSISTANCE AUTHORITY Guaranty Agency and Repayment Services P.O. Box 14002 Research Triangle Park, NC 27709 Telephone 919-248-4617 or 800-544-1644 STUDENT LOAN DEFAULT Consequences
Statutory Rape: What You Should Know 2013 Why Do You Need To Read This? Many teens are concerned about the laws regarding something commonly called statutory rape. This brochure will explain what statutory
CRIME VICTIM COMPENSATION APPLICATION Michigan Department of Community Health For Office Use Only: Claim Number: Cross Reference Number: AUTHORITY: PA 223 of 1976 COMPLETION: Is Voluntary, but is required
Immigration and Refugee Law This project has been made possible through the financial support of The Law Foundation of British Columbia 1720 Grant St. Vancouver BC V5L 2Y7 604-254-9626 firstname.lastname@example.org
Family Reunification and Family Class Immigration in Canada Milena Gulia Immigration Branch, Citizenship and Immigration Canada Family Reunification in Canadian Context Family reunification is an important
What Everyone Needs to Know About Elder Abuse 1 Rebecca C. Morgan Stetson University College of Law I. WHAT IS ELDER ABUSE? A. Although abuse, neglect and exploitation are separate problems with separate
Grace Period and Repayment Guide for Stafford and Direct Loans Communication is key! This guide session covers loans from the following programs: Federal Family Education Loan Program (FFELP) Federal Stafford
1 STATE OF MICHIGAN DEPARTMENT OF TREASURY LANSING MICHIGAN NURSING SCHOLARSHIP Scholarship Agreement & Master Promissory Note As required by the Michigan Nursing Scholarship Act, Public Act 591 of 2002
Debbie Beach, LCSW Debbiebeach4@gmail.com 202-415-6242 COLLABORATIVE ENGAGEMENT AGREEMENT DIVORCE COACH Debbie Beach, LCSW 405 N. Washington St, #104 Falls Church, VA 22046 Date: Name of party: Dear Party:
REPORTING AN OFFENCE TO THE POLICE: A GUIDE TO CRIMINAL INVESTIGATIONS If you are experiencing or have experienced domestic volence and/or sexual violence there are a number of ways the law can protect
Citizenship and Immigration Canada Citoyenneté et Immigration Canada SCHEDULE 2 REFUGEES OUTSIDE CANADA PROTECTED WHEN COMPLETED - B PAGE 1 OF 5 FOR OFFICE USE ONLY ID number The principal applicant AND
Information Guide Student Financial Assistance for Full-Time Post-Secondary Students in New Brunswick 2015 2016 studentaid.gnb.ca CONTACT INFORMATION STUDENT FINANCIAL SERVICES NATIONAL STUDENT LOANS SERVICE
Financial Services Commission of Ontario Instructions for Application to withdraw or transfer up to 50% of the Money Transferred into a Schedule 1.1 LIF General Information Use this application if: you
FAQs Guide The EMCC is a cosponsor under the C&MA C&MA is a Sponsorship Agreement Holder (SAH) with Customs and Immigration Canada A Sponsorship Agreement Holder is an incorporated organization that has
ITS TIME TO TALK LAWS PROTECTING CHILDRENC F L FAMILY LAW Presented by Maha Najjarine 20 February 2013 MY ROLE Legal Aid NSW Family Law Early Intervention Unit Community Legal Education Solicitor Contact:
Federal loans: The smart way to borrow If you don t receive enough free money to pay for college and you aren t able to cover your costs with savings or other resources, consider federal student loans.
ISSUES WITH LONG-TERM CARE RATE REDUCTIONS 1 Jane E. Meadus Barrister & Solicitor Institutional Advocate Advocacy Centre for the Elderly February 2014 In Ontario, income level is not a bar to admission
Housing Benefit Overpayments Policy December 2013 1. Aims of the Policy 1.1. The aims of this policy are: 1.1.1. to ensure we minimise overpayments and reduce them as much as is possible when raised 1.1.2.
METROPOLITAN LEARNING INSTITUTE Licensed by the New York State Education Department Non Profit Educational Organization Innovative Approach Is Our Way to Success www.gettraining.org Main Campus: Extension:
Loan Consolidation in Detail CHAPTER 6 These fact sheets for borrowers cover the provisions for Federal Consolidation Loans made through private lenders in the FFEL program. For information about consolidating
Debt Collection [ADVOCATE: Give caller advice per script. Read Bankruptcy Script if Appropriate. Check case acceptance list and refer to appropriate office for more services.] [ADVOCATE: If caller is requesting
Safety of Immigrant, Refugee, and Non-Status Women The Immigration Refugee Protection Act, Regulations and CIC Policies: How do they impact women s Charter rights and women s safety? November 2009 Issue:
1 Feedback from Discussion Forum New Immigrants from Tsunami Affected Areas (This document is written by the Region of Peel, Social Services Department.) A meeting was organized by Region of Peel, Social
Applying for financial benefits money concerns and cancer Your doctor has discussed the possibility of cancer and has referred you to an oncologist (cancer doctor) and/or cancer centre. Often with a serious
Ontario Disability Support Program Income Support Directives 5.15 Spousal and Child Support Summary of Policy If a member of the benefit unit does not meet a condition of eligibility, income support can
2010/2011 Part-Time Studies Application Part-Time Studies Financial Assistance WHO IS ELIGIBLE? Applicants must: Be a Canadian citizen, permanent resident/landed immigrant, convention refugee or a protected
Do you know a woman who is being abused? A Legal Rights Handbook Table of Contents This handbook is a guide to the legal system for women in abusive relationships. The legal system is constantly changing.
UNIVERSITY OF CUMBRIA STUDENT FINANCIAL REGULATIONS Applicable to Student registering in Academic Year 2015/16 NB. This policy is available on the University of Cumbria website and it should be noted that
financial literacy series for older adults Federal Public Benefits for Seniors Accessing and Optimizing Pensions and Public Benefits Ontario edition Both Canada and Ontario have several programs in place