At the beginning of the twentieth century, Dr. Georges-Albini Lacombe, representing a working-class riding in Montreal, proposed legislation to protect the earnings of indebted workers from being garnisheed and to limit the "system of credit" that Lacombe judged to be the source of their debt. Although it carried his name, the law adopted after the ensuing debate contributed, to the contrary, through the twentieth century, to legitimizing the use of consumer credit. This article analyses this debate in light of the framework given by legal texts to different forms of credit and the strategies and practices regarding credit used by commercial institutions and urban households. Viewed from these perspectives and in relation to the social, cultural, and political dimensions of the history of credit, the debate reveals the interests at stake and the reasoning that finally prevailed to leave intact the system denounced by Lacombe, despite the general hostility voiced during this period toward consumer credit.