Community Resource Article – When Debt Issues Arise

By: Giselle General

This article was also submitted by the author as a contribution to the Alberta Filipino Journal (a cultural/ community newspaper in the province of Alberta, Canada) in June 2022.

Managing one’s finances is an important responsibility in order for us to have a comfortable life. But sometimes, unexpected things happen, and we find ourselves in a difficult financial situation. Perhaps the bills, mortgage, rent or credit card payments were left unpaid too many times and things have escalated a bit. Perhaps you are about to lose your home, or received a court document, or been subjected to aggressive phone calls or messages from those who want payment.

Here are some resources that can help when financial problems turn for the worse.

When Financial Debt Requires Legal Help

  1. Consumer Debt Negotiation Project Program – Edmonton Community Legal Centre: Many of us have consumer debt, such as credit card payments, car loans, personal loans, even a mortgage. You might be falling behind on payments, and you discovered that there is a legal action that happened, let’s say, you received a court document from the bank or the company you owe money to. You can contact this free program so you can get an opportunity to speak to a lawyer to get help.To contact this service, to go the website https://www.eclc.ca/need-legal-support/ and then click on the box that says “For Consumer Debt Negotiation Project”

Emergency Financial Supports

  1. Community Bridge Program: Funds To Prevent Getting Kicked Out by Landlord: If you are renting the place where you live right now, and you fell behind on rent payments, it is likely that your landlord would want to evict you. Getting kicked out of the place where you live can be very stressful and disruptive. This program is a financial ‘rapid response’ as a last resort so you can stay in your place and make payments you missed. The link to access this program is https://bissellcentre.org/programs/individual/community-bridge/
  2. Emergency Needs Allowance – Government of Alberta: This is a program direct from the Alberta Government for when you face an unexpected emergency that can present a health risk and caused by unexpected circumstances that you cannot pay for. It can cover a wide range of needs such as food, clothing, childcare, temporary shelter, utility payments, eviction payments and more. The link to get more information and how to apply is:    https://www.alberta.ca/emergency-financial-assistance.aspx

Financial Literacy – Learning about Money Management

  1. Credit Counselling Society – Online Courses: This is a self-paced online course that focus on financial management skills such as learning the realities of credit, budgeting, spending on food, and more. In addition to the online courses, they also have other ways to support when you are currently facing financial difficulty. https://nomoredebts.org/financial-education/online-courses  
  2. Each One, Teach One: This program is designed for bankers to deliver basic financial literacy workshops to newcomers, refugees, individuals who face barriers to financial services, and people living in low-income communities, in a “teach the teacher” type of format. It is comprehensive, as it covers topics beyond just budgeting and debt, such as investments, contracts, and fraud prevention.  https://www.myunitedway.ca/each-one-teach-one/
  3. Money Mentors Financial Education: Money Mentors also provides services to help people in financial difficulties, and they have also educational content on their website. The catalogue is even more comprehensive than the other two, addressing other complex but common issues like preparing financially for a baby, having unpredictable income sources, home ownership, money discussions in inter-generational households, and many more.   https://moneymentors.ca/financial-education/  

This is not an exhaustive list, but I hope that this is a useful starting point. After you contact these resources, it is possible also that they might recommend other programs and services to help with your situation. Having financial issues can be stressful and embarrassing, but a lot of the time, the staff and volunteers that are part of these programs are understanding and compassionate. When contacting them, I highly recommend sharing all the necessary details and not leave out information even if it feels shameful. Complete transparency is important for them to understand your compete situation in order for you to get the best help you need.

Free Man and Woman Sitting at Table Stock Photo

Community Resource Article – Opportunities to Volunteer

By: Giselle General

This article was also submitted by the author as a contribution to the Alberta Filipino Journal (a cultural/ community newspaper in the province of Alberta, Canada) in April 2022

In hounour of National Volunteer Week which is on April 24, I would like to share some opportunities and resources when it comes to volunteering. A short definition of volunteering is doing a task where you are unpaid, or paid a very small amount that it wouldn’t fit the minimum wage requirements, that supports a charitable or community-oriented objective.

This is a very small list of the thousands of opportunities available, but the ones I’d like for our readers to consider.

Right In The Neighbourhood and the City of Edmonton

  1. Community League of your Neighbourhood: “Bayanihan para sa kapitbahay” is my simplified description of community leagues. Being helpful toward our neighbours, is the spirit of the neighbourhood Community League. Much like a people-run barangay association, your community league is a volunteer-based organization in the neighbourhood that helps plan social events, help advocate for issues in your neighbourhood, and at times they might have a hall where they maintain some local amenities. To know where you community league is, go to the website of the Edmonton Federation of Community Leagues: www.efcl.org
  2. City of Edmonton Volunteer Catalogue: The City of Edmonton, as in the actual municipal government, offers many services to everyday Edmontonians. For some of these event or programs, there are ways to volunteer and help! I personally have been a greeter for the city’s Free Admission Day in a local tourist attraction, and I have helped plant trees in a large park one summer. The link to set up your account and apply is: https://app.betterimpact.com/PublicEnterprise/9e275823-c9e5-46df-a092-b2c5b18d2526

Volunteer in the Filipino Community

  1. Edmonton Philippine International Centre: The goal of this organization is for the Filipino community to have our own building as a gathering place, event space and place we can go for support and connection. This is a remarkable and ambitious goal and help is needed from as many people as possible. The website to learn about them is https://www.epicalberta.com/
  2. Migrante Alberta: This is an organization that does advocacy work to help better the lives of migrants in our province. Helping hands and attendance is always appreciated in many of their activities, whether it is to lobby the government to address certain policies, events to help educate the community, or providing direct assistance to our fellow migrants in crisis. https://www.migrantealberta.ca/
  3. Organizations under COPA and CEFA: Congress of the Philippine Associations of Alberta (COPA) and CEFA (Council of Edmonton Filipino Associations) can be an opportunity to be more connected to the Filipino community, whether it is by helping these organizational bodies, or finding an affiliate association in the group. Both organizations are searchable on Facebook. 

Interest-Oriented Opportunities

  1. Next Gen Men: Their mission is to have “a future were boys and men feel less pain and cause less harm”. If you are a parent, a community member or someone keen on ensuring men and boys are supported in their development as physically and emotionally healthy individuals, getting involved with them might be a good idea. https://www.nextgenmen.ca/
  2. Political Parties and the Provincial Elections: The provincial election is next year, and volunteer opportunities are available to those who want to either a candidate running under a political party name, or a political party overall. If you do an online search for your location and for a political party you are interested in, there will be opportunities to be hands on in making the change you want to see and that’s on the ground level of election season.
  3. Big Brother Big Sisters: For those who enjoy working with kids on helping them, this organization can be a great way to volunteer. There are different programs, from one-on-one mentorship, after school programs, and even virtual mentoring. https://bgcbigs.ca/ pexels

There are numerous ways to volunteer and the benefits are mutual, not just for the people or organizations being helped, but also for the person volunteering. Volunteering helps someone gain new skills, maintain positive mental health through socialization and positively impacting another person’s life, and can also lead to other career and learning opportunities.

Free stock photo of assistance, bio, care Stock Photo

Community Resource Article – Supports for Women

By: Giselle General

This article was also submitted by the author as a contribution to the Alberta Filipino Journal (a cultural/ community newspaper in Alberta, Canada) in March 2022.

These are some community resources that can help provide programs, inspiration, physical and emotional support and more for the women and girls in your life and community.  

Supports for Young Girls and Teens

  1. YWCA Girls Counselling Group: The counselling group is for girls aged 14 – 16, a crucial time in one’s teenager years, and is a weekly drop-in program. It provides a safe, and structured space for teens to discuss the challenges they are facing, get guidance, support, and a listening ear from the facilitator who is a Registered Psychologist. In addition, YWCA also offers other services for women of all ages.https://www.ywcaofedmonton.org/programs-and-services/girls-counselling/
  2. Terra Centre for Teen Parents: An unexpected teen pregnancy can be daunting and stressful, but there are supports for the teen parents, the babies and their families. The agency provides programs and practical items to help young families reach their full potential.  https://terracentre.ca/what-is-terra/
  3. Girls Who Code: The goal of this organization is to inspire and support girls and teens into considering a career in technology, where women are still very under-represented. This can be a worthwhile resource if you work with children or youth in educational settings, or if you want to support girls in your family who loves computers, programming, engineering, robotics and more. https://girlswhocode.com/en-ca

Resources on Women’s Health, Including Reproductive Health

  1. Re:Pro, Podcast on Sexual and Reproductive Health: This podcast series launched by University of Alberta medical students are meant for those reproductive and sexual health questions “that you are too embarrassed to talk to your doctor about”. Listen online at https://reprohealthpodcast.libsyn.com
  2. O School, Online Resource on Sex and More: This online resource was founded by Filipina-American Andrea Barrica. She believed that no one else should have to struggle to unlearn sexual shame resulting from incomplete education growing up. Sexuality is a natural part of human lives and relationships. The comprehensive online resource covers the medical, practical, relational, and pleasure-focused aspects of reproductive and sexual health. https://www.o.school/

Resources for Leadership, Community and Career

  1. Alberta Women Entrepreneurs: They provide programs, events, and practical supports such as loans for women who want to launch their businesses and make it as successful as possible. To sign up, visit https://www.awebusiness.com/
  2. GROW Women Leaders: GROW Women Leaders launched in 2017, in celebration of Canada 150 out of the desire to spotlight incredible accomplishments of immigrant women in Canada. Now they provide programs and events to help immigrant women advance in the workforce. To get involved, visit https://www.growwomenleaders.com/
  3. Changing Together, A Centre for Immigrant Women: This charitable organization provides programs and supports for immigrant women, both citizens and newcomers to Canada. They also conduct research and publish content that highlights the challenges that immigrant women face, in order to spread awareness and bring change in the community. To join in their programs or volunteer, visit https://www.changingtogether.com/  

This is not a comprehensive list but can be a good starting point to let you know that there are resources that are available in time of need and to help you improve your life. It can be helpful to access services that have more comprehensive directories like 211 to learn about all the services available.

Book Review and Thank You Letter: Coming to Canada, the Ultimate Guide, by Chidi Iwuchukwu

Cover of book “Coming to Canada, The Ultimate Success Guide for New Immigrants and Travelers”

The remarkable thing about volunteering in the community and pursuing community-focused endeavours is the gift of meeting amazing people right in the city. This is how I felt when during my election campaign for Edmonton City Council, I met Chidi Iwuchukwu. He volunteered a few times helping with door-knocking during the last month of my campaign, and he was delightful in my telephone and email conversations with him.

Right around election month which was October 2021, he was finalizing the publication of this book that aims to help newcomers in the country, to ensure that the vital first days of arriving in Canada is as smooth and productive as possible. This is a thank you letter and a review of his book Coming to Canada, The Ultimate Success Guide for New Immigrants and Travelers


Hi Chidi,

Thank you for sharing to me about the book you were working on last summer. I bought a copy as soon as I got the online link from you and eagerly waited for the shipment to arrive. Here are my key takeaway after reading the book.

Immigrants from different cultures and backgrounds should read guides and information from people outside their communities. It helps with finding common struggles and identify tips and strategies that we might not necessarily think about, likely because of biases from our own cultural perspectives.

The language is pragmatic and straightforward with an easy to follow timeline, particularly the chapter of the first seven days. You can pretty much use this as a checklist. If I could, I’ll hand this over to people and have them go through it page by page, and check off the items as it gets completed. Page 15, getting your SIN – check! Page 18, getting your cellphone – check! Page 24, Connecting with Settlement Agencies, check!

Then this logical flow continues. Page 31-33, finances and credit card – check! Page 62 – learning about workplace etiquette- check!

Do not assume, communicate, read everything thoroughly, these seem like obvious things to do, but with the overwhelming and overstimulating environment brought about by being in a new country, these can slip one’s mind.

I really appreciate the discussion about mental health and social relationships with spouses and children.

I like that it is framed more as list of very important things to be aware of and adhere to, while also acknowledging the potential differences in people’s situations. As far as the topics, this is the most comprehensive list that I have ever seen, and it included chapters that didn’t even occur to me but are very helpful, such as the potential impact of coming to Canada on one’s marriage, if your societal values are different back home. It is not heavy handed in the sense that it dictates who should behave in a particular way, but it helps spark awareness to encourage people to have these deep conversations about these topics.

From a political and systemic view, it was sad to be reminded, yet again, about the social issues that you noted and. I felt compelled to do my part to minimize this, or to try to resolve in my own way. For instance, transit is portrayed as a potentially difficult way to get around, because unfortunately, it is 100% true. It reminded me of why I volunteer for the Edmonton Transit Advisory Board. You encourage newcomers to volunteer for their community leagues because every neighbourhood has one, but not the new neighbourhoods that are still being built so one hasn’t been established yet. Since I volunteer for the organization that supports community leagues, I raised this as an important issue. My dream is that every newcomer to Edmonton who is trying to get settled, will find their neighbourhood group in just a few months, where they can attend events, participate in activities and learn about Edmonton just a few steps away from their home.

I also wrote a more comprehensive review for the February 2022 edition of our community’s ethnic paper in Edmonton, the Alberta Filipino Journal. I hope that through my article, it helped spread awareness of this resource that you worked so hard to develop.

Overall, I’d say, well done! And if you decide to expand on this project, you know where to find me for ideas and content.

Community Resource Article: Resources on Family Violence

By: Giselle General

This article was also submitted by the author as a contribution to the Alberta Filipino Journal (a cultural/ community newspaper in the province of Alberta, Canada) in March 2018

Family violence is defined as the abuse of power within relationships of family, trust or dependency that endangers the survival, security or well-being of another person. It takes many forms including intimate partner abuse, sexual assault, child abuse and neglect, child sexual abuse, parent abuse, elder abuse and neglect, and witnessing the abuse of others in the family. Family violence may include some or all of the following behaviours: physical abuse; psychological abuse; criminal harassment/stalking; verbal and emotional abuse; sexual violence and abuse; financial abuse; and spiritual abuse. 

The definition above is taken from the report called Family Violence Hurts Everyone, a Framework to End Family Violence in Alberta

This is a range of resources that can serve as a starting point when faced with this situation.

  1. Online Resources to Educate: It can be confusing sometimes to understand what is happening or how to describe it. These are online resources to browse and learn more about the situation that you may be facing before taking steps.
    1. The Centre for Public Legal Education Alberta has a series of videos, infographics and brochures that cover things such as the role of the police, protection orders, financial support, leaving an abusive relationship if you are not a Canadian Citizen, and more:  https://www.cplea.ca/publications/abuse-and-family-violence/#domesticviolenceseries
  2. Domestic Violence Shelters: These can be a starting point in searching for a shelter to go to. Different shelters have different levels of service. While some cater exclusively to women, some can help men or cater to specific demographics.   
    1. The Alberta Council of Women’s Shelters has an interactive map that lists all shelters in Alberta at https://acws.ca/shelters
    1. You can call at 1-866-331-3933
    1. Sage Seniors Association is an organization in Edmonton that helps men and women aged 60 and older. You can contact them at 780-702-1520 or http://www.mysage.ca
  3. Financial Abuse/ Dealing with Financial Aftermath of Fleeing from Family Violence: Leaving an abusive relationship can mean your source of money for daily living will not longer be available.  Some programs and resources to help with the financial hardship after fleeing abuse are:
    1. Alberta Works: Supports for Albertans Fleeing Abuse is a program that can provide a wide variety of supports such as funds to relocate, basic needs, and more. Call 1-866-644-9992 on weekdays, 1-866-644-5135 on weekends or get information online at http://www.albertasupports.ca
    1. You can apply for Child Support and Spousal Support through the courts. Contact the Government of Alberta’s Resolution and Court Administration Services at 1-855-738-4747 or visit www.rcas.alberta.ca for help, especially if you cannot afford a lawyer.
  4. Therapy/ Counseling for Healing Psychologically: Healing from the pain of family violence can be difficult and can take a while. These are some resources, both in person and over the phone.  
    1. Sexual Assault Centre of Edmonton is an organization that helps people who have experienced sexual abuse and sexual assault, which is a typical component of family violence. They serve children and adults. The services are free, and they can be contacted https://www.sace.ab.ca/ or at 780-423-4102
    1. The Canadian Mental Heath Association has a list of resources as well for counselling, therapy and support groups. The main website is https://alberta.cmha.ca/ where you can find the webpage for your city or town. You can also access their service by dialling 311 or the Mental Health Help Line at 1-877-303-2642
  5. Child-Specific: There are specialized programs and services to help children as well. This can be valuable since children can process trauma differently, given that they are still growing.  
    1. Zebra Child Protection Centre https://www.zebracentre.ca/
    1. Kids Help Phone Line is an available resource for kids and teens to speak to a counsellor. An online chat option is available at https://kidshelpphone.ca/, through the phone by calling 1-800-668-6868, or by downloading their app called ‘Always There’, available for Apple and Android phones.

While this list is specific to Edmonton or Alberta, an online search that includes your location – if it is a more remote one – can help identify what is available nearby. It is often the case that getting in touch with social agencies for any purpose, if you mention what else you need help with, they can direct you to other resources as well. Websites of specific municipalities also can have a directory of where to get help. Alberta.ca is also a good resource.




Community Resource Article: Legal Resources for Those Who Cannot Afford Lawyers

By: Giselle General

This article was also submitted by the author as a contribution to the Alberta Filipino Journal (a cultural/ community newspaper in the province of Alberta, Canada) in March 2018

It is unavoidable to have some challenges in life where legal advice is needed. There are many people, for understandable reasons, that are unable to pay hundreds or thousands of dollars to pay for the full services from a lawyer or law firm. Here is a list of resources that can help inform or mitigate the cost of legal services, or to know about the legal issue before hiring for help.

  1. Online Resources to Educate: It can be valuable to read these booklets or watch the videos they offer. The language in these resources are meant for those who are not lawyers, making it easy to understand. In each website their resources are sub-categorized into different areas of law.
    1. Centre for Public Legal Education Alberta: https://www.cplea.ca/publications/
    1. Native Counselling Services of Alberta: http://ncsa.ca/resources/  
  2. The Government of Alberta Website: Information about legal processes, as well as about the different levels of court are available right on the website. A few key links are below.
    1. https://www.alberta.ca/rights-justice-law.aspx
    1. https://www.alberta.ca/waive-filing-fee.aspx
  3. Legal Centres in the Area, by Independent Charities: These are non-profit organizations that provide legal help to those who are low-income in the area. Criteria may vary depending on someone’s financial situation and the area of law they need help with.
    1. Edmonton Community Legal Centre: www.eclc.ca 
    1. Calgary Legal Guidance: www.clg.ab.ca
    1. Lethbridge Legal Guidance: www.lethbridgelegalguidance.ca
    1. Medicine Hat Legal Help Centre: www.mhlhc.ca
    1. Grande Prairie Legal Guidance: www.gplg.ca
    1. Central Alberta Community Legal Clinic (Red Deer): www.communitylegalclinic.net
    1. Community Legal Clinic – Fort McMurray: www.facebook.com/communitylegalclinicFortMac/
  4. Legal Centres in the Area Ran by Law Schools: The law schools in Edmonton and Calgary also offer legal services, that are ran by law students. These services are for also for those who cannot afford legal help.
    1. Student Legal Services of Edmonton: http://www.slsedmonton.com/
    1. Student Legal Assistance Calgary: http://slacalgary.ca/
  5. Legal Aid Alberta: Legal Aid is a province-wide program that helps eligible Albertans with different areas of law such as serious criminal charges, family law, child welfare, and more. Their website is www.legalaid.ab.ca
  6. Alberta Limited Legal Services Project: For those that may be able to afford some of fees that a lawyer would charge but not the whole amount all at once, this is a service where a lawyer can be hired on a limited scope. The website is: albertalegalservices.com/

If someone is needing legal help but lives in a more remote area like a small town, it is worthwhile to contact the nearest organization geographically. There may be other services that are also available right at the courthouse as well. Hopefully this is a valuable starting point in resolving one’s legal issues while considering financial limitations.