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Notes from the practice.

Ontario law as it came across the desk — criminal and civil matters, alongside the corporate, immigration, family, estates and traffic work the firm has written up over the years.

A sold sign on the lawn of an Ontario house with a stack of opened envelopes and a bank statement on the porch step

FeaturedCivil Litigation

The house sold under power of sale and you still owe money. Now what?

A power of sale that does not cover the debt leaves a shortfall the lender has ten years to sue for. How it is built, how to fight it, and how to end it.

September 3, 20269 min read

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The seriesCivil Litigation

When you can’t pay the mortgage.

Six guides, from the first missed payment to what is left after the sale.

Showing 6 of 32 articles · page 1 of 6

A mortgage commitment letter, a pen and a calculator on a desk beside a window overlooking Toronto rooftops

Civil Litigation

Private and B-lender mortgages: default, renewal shock, and the rights you still have

Private mortgages default at renewal, not mid-term. What a private lender can charge, what the Interest Act forbids, and how to read the commitment letter.

August 30, 202610 min read

The stone steps of a Superior Court courthouse in Ontario on one side and a residential street with a sold sign on the other

Civil Litigation

Power of sale vs foreclosure in Ontario: why lenders pick one, and when you would want the other

Ontario lenders sell rather than foreclose. The difference decides who keeps the equity and whether you can still be sued for a shortfall afterwards.

August 26, 20268 min read

A registered mail envelope and a folded legal notice lying on a hallway floor just inside a front door

Civil Litigation

You've been served a Notice of Sale. What the next 35 days look like

A Notice of Sale gives you thirty-five days before the lender can list your home. How to read it, what to do in week one, and what comes after.

August 22, 20269 min read

A detached brick house on a suburban Ontario street at dusk with a real estate sign on the front lawn

Civil Litigation

Power of sale in Ontario: how it works, and how to stop it

Power of sale lets an Ontario lender sell your home without a court order, on a clock set in days. Here is each step, and the four ways to stop it.

August 18, 202611 min read

A mortgage statement and a wall calendar on a kitchen table in a quiet Ontario home, morning light through the window

Civil Litigation

What happens if you can't pay your mortgage in Ontario

A missed mortgage payment starts a clock the Mortgages Act sets in days. Here is the sequence, what each step costs, and where you still have choices.

August 14, 202610 min read

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