Debt Recovery, Collection & Credit Litigation in Ontario
Debt disputes require timely, evidence-based action. Hashmi Law Group advises and represents creditors, debtors, lenders, borrowers, businesses and individuals in debt recovery, loan and credit litigation across Ontario.
How We Can Help
- Secured and unsecured loan disputes
- Debt collection and enforcement
- Defence of disputed debt claims
- Loan agreement disputes
- Fraud, misrepresentation and undue influence claims
- Judgment enforcement, garnishment and related remedies
Video: Someone Owes You Money in Ontario?
Watch Hashmi Law Group’s video, 7 Legal Steps You Can Take, for an introduction to recovering money owed in Ontario.
Recovering Unpaid Loans and Business Debts
We assist with unpaid personal and business loans, invoices, contractual debts and disputed guarantees. The first step is to identify the correct parties, the basis of the obligation, when payment became due and the evidence supporting the balance claimed. A written demand or negotiated payment arrangement may be appropriate before court proceedings, but urgent circumstances or limitation concerns can change that approach.
We assess the appropriate court and procedure based on the claim, the amount and the relief sought. Our work can include preparing claims and defences, organizing disclosure, addressing motions and representing clients at settlement conferences and trials.
Defending a Debt Claim
Being sued does not mean the amount claimed is correct. Relevant issues may include payments not credited, disputed performance, the interpretation of the agreement, interest calculations or a defence to liability. Bring the claim and proof of when and how it was served so we can identify the response deadline. Do not ignore court documents while discussing settlement.
A Judgment Is Not the Same as Payment
Obtaining a judgment does not guarantee recovery. Enforcement options depend on the debtor’s income, assets, competing claims and other legal restrictions. We consider proportionality and recoverability alongside the merits of the lawsuit. Where appropriate, we assist with garnishment, examinations and seizure and sale procedures.
Official information: Ontario’s guide to steps after judgment.
Preparing for a Debt-Recovery Consultation
Provide the signed agreement, invoices, payment records, relevant correspondence, guarantees and any existing court documents. Include a short timeline, the amount you say is outstanding and information about attempted repayments or settlement. We assist clients across Ontario and clients living outside the province who require Ontario legal services.
What You Can Expect
- 1. Review the agreement, payment history and communications
- 2. Assess liability, defences, limitation issues and recoverability
- 3. Send or respond to demands and pursue settlement
- 4. Prepare claims, defences, motions and enforcement steps where necessary
Why Choose Hashmi Law Group
Clients receive direct legal advice, careful case preparation and responsive communication from a firm with 17+ years of legal experience. We handle negotiation, document preparation and court proceedings with a practical focus on the client’s objectives, evidence, risks and costs. In-person and virtual consultations are available through our Toronto (North York) and Mississauga offices.
Frequently Asked Questions
What evidence is important in a debt dispute?
Relevant evidence may include loan agreements, invoices, account statements, payment records, guarantees, security documents and communications between the parties.
Can a creditor sue to recover a debt?
A creditor may pursue a claim where a valid debt remains unpaid, subject to the agreement, evidence, limitation periods and any available defences.
Can a debtor dispute the amount claimed?
Yes. A debtor may dispute liability, calculation, interest, authority, performance, fraud, payment or other issues depending on the facts and documents.
How can a judgment be enforced?
Possible enforcement tools include garnishment, seizure and sale procedures and examinations in aid of execution. The appropriate step depends on the debtor and available assets.
Can a debt matter settle?
Many debt disputes resolve through negotiated payment, security or settlement terms. Any agreement should clearly record the amount, timing, defaults and releases.
Legal Information Disclaimer: This information is general and is not legal advice. Legal rights, procedures and deadlines depend on the facts and applicable law. Obtain advice about your particular circumstances before taking or delaying action.
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