Debt Collection Guide Ontario
Complete guide to collecting debts in Ontario. Demand letters, Small Claims Court, judgment enforcement, and collection strategies.
Frequently Asked Questions
How do I collect a debt someone owes me?
Start with a demand letter. If ignored, file in Small Claims Court. If you win and they don't pay, use enforcement tools: garnishment, examination, seizure.
How long do I have to collect a debt?
Two year limitation period from when debt was due or last acknowledged. After 2 years, you cannot sue. However, judgments last 6 years and can be renewed.
What if the debtor has no money?
Get your judgment and renew it before it expires. Situations change - they may get a job (garnishment), buy property (lien), or receive inheritance. Persist.
What costs can I recover if I win?
Filing fees, service costs, and portion of legal fees (up to 15% of claim). Interest on judgment also awarded. We pursue full cost recovery.
Contact Legal Assist
Legal Assist Paralegal Services — Licensed by the Law Society of Ontario. Serving London, Ontario and Southwestern Ontario. Call 226-272-5153 or email jeanfrancois@legalassist.london for a free consultation.