3 Things to Know About an Employment Background Check

When you apply for a job, the employer might want to perform a background check. This can either be done by themselves or by a professional screening company. There are certain rights that you should be aware of if a background check is being done for employment purposes. These are to protect the candidate. Here are some things that you should know about a background check for employment.

Notification of Background Check

There are two ways that an employer can complete a background check. They can either perform the check themselves or hire a third-party to complete it. Choosing the latter provides a more thorough screening. If an employer uses a third-party screening company, they are legally required to notify you in writing of this intention and receive your written authorization. However, if they’re completing the inquiries on their own, you do not need to be notified. In most cases, the employer will notify you if they’ll complete a background check regardless of how it’s done.

Evidence of Consumer Report

The Fair Credit Reporting Act (FCRA) is federal legislation that states the rules regarding background checks. They refer to background checks as consumer reports. If an employer decides not to hire an applicant because of a consumer report or decides to rescind the offer because of what they discovered, the applicant must be provided with a pre-adverse action disclosure. This documentation will include a copy of the consumer report and an explanation of the applicant’s rights.

Adverse Action Notice

If an employer decides not to hire you due to what was found on a background report and has provided you with a pre-adverse action disclosure, it must be followed with an adverse action notice. This will provide you with the reason why they’ve decided not to hire you and the contact information of the screening company that they used. You’ll have the option to contact the company and dispute the report if you wish. In addition to the contact information of the screening company, this documentation will provide the applicant’s rights for disputing the report.

If something comes up on a background check, it might result in not getting a job or having an employment offer rescinded. In this case, there are certain federal rights provided to the applicant. This involves the documentation they must receive and their right to dispute the report. These are some things that both employers and applicants should know when it comes to a background check for employment.


5 Benefits of Selling Your Structured Settlement


If you’ve won a settlement due to a lawsuit, you’re probably receiving it through regular annuities in what is known as a structured settlement. While there is much to be said about receiving payments on a regular and reliable basis, not everyone knows that the settlement money is theirs, and they can have it in a lump some whenever they want it. This is accomplished by selling the settlement to a structured settlement company. Here are a few reasons this could be the best course of action for you.

1. Payment Is Extremely Quick

When you receive money through annuity payments, you’ll never have all of that money until the annuities have exhausted the funds. This could take years, and there are several ways you could use that money right away. When you sell your payments to a company that buys structured settlements, that money could arrive within a few weeks, enabling you to spend it on whatever you want.

2. Pay off a Debt

If you’re carrying a lot of debt, it may not be wise to have settlement money sitting somewhere you can’t reach it. The compounding nature caused by high interest rates means it probably makes better economic sense to have that money up front instead.

3. You Can Invest Your Settlement Money

As your structured settlement arrives over the years, the effect of inflation devalues your payments the longer you wait. By receiving your money in a lump sum, you can have access to it before its value decreases, and then invest it so the value of your money will actually go up instead of down. You could also invest it in a new business or in making improvements to an existing business. Either way, your settlement money is working for you instead of waiting to arrive several years from now.

4. Pay off Medical Bills

If you’re hit with a medical emergency, you might have new debt you can’t pay off. This is particularly problematic if you’re unable to pay for continuing treatment. Selling a settlement in such an instance can literally be beneficial to your health.

5. Pay for Tuition

Getting a degree is extremely important to your prospects for earning a living in the future, and a perfect example of when money delivered up front can be more valuable than when it’s received through annuities.

To gain advantage of having access to your settlement money when you need it, contact a company that buy structured settlements, and they’ll walk you through the process.



The law governing divorce in Canada also applies in Ontario. Anyone living in Canada, citizens or non-citizens, can apply for a divorce provided they meet the following eligibility criteria. Hiring a divorce lawyer is very important.


You must prove that your marriage is on the brink of breaking down and there’s no way back if you want a court to officiate your divorce. According to the marriage law, marriage has broken down if:

  • One year has elapsed since you lived together with your spouse and you consider/believe your marriage is over.
  • You are not ready to forgive your partner after committing adultery.
  • Your partner has been subjecting you to physical or mental torture and you can no longer live together. However, the burden of proving this is on your side.


You should seek a legal redress from a divorce lawyer before embarking on a divorce case. The expert, among other things, will bring to your attention the specific law that applies to your case and how you can protect your fundamental rights. You can either do your own research or ask for referrals from the Family Law Information Center.


  • Filling out a divorce application form
  • Submitting a completed application form at an Ontarian courthouse
  • Paying the stipulated court fees
  • Following all court rules as well as procedures.
  • On average, a divorce application in Ontario can cost $450.


If you need to officially end your marriage via an Ontario court, you can file a divorce if you meet the following three eligibility requirements:

  • You and your spouse were lawfully married in Canada or any other country.
  • You’re decided to separate permanently from your partner or have already left him or her, and you don’t believe you’ll ever get back together.
  • You and your spouse should have lived in Ontario for at least twelve months before applying for the divorce.

In Canada, divorce matters are resolved under the Divorce Act. If you aren’t officially married, divorce law doesn’t apply to you.

There might be exceptions to the residency requirement if you and your spouse stay outside Canada. In that case, you may end your marriage via the Civil Marriage Act and can file for divorce in Ontario.

If you aren’t legally married and your relationship has broken down, people say you have “separated”.  Though the federal law doesn’t apply to unmarried spouses who separate, you may still negotiate by signing a separation agreement under Ontario laws.

Separation refers to a situation where one or both of you decide to stay apart with the intention of bringing your marriage to an end. Once you’re separated, you might need to resolve certain issues like child support, property, and spousal with your spouse. You can settle these issues by negotiating a separation agreement, coming to an informal agreement, or seeking a court order.