Review
We read the agreement, the invoices and the messages, confirm exactly who owes you, and work out the amount.
We write demand letters for Scarborough people and businesses who are owed money, from our office at 1585 Markham Road. If the letter does not work, the claim goes to the Toronto courts, and we take it there.




You generally have two years from the day you discovered the claim to start a court proceeding. A demand letter is not a proceeding. Sending one, waiting for an answer, or negotiating for months does not pause the clock.
On a debt for a fixed amount, the clock can restart if the person who owes you acknowledges the debt in a signed document, or pays part of it. Do not plan around that. If the two-year date is close, we start the claim at the same time as the letter, or instead of it.
Separately, no claim can be started more than 15 years after the events it is about, whatever you knew and when.
Source: Limitations Act, 2002, S.O. 2002, c. 24, Sched. B, ss. 4, 5, 13 and 15.
Scarborough has no civil courthouse of its own. For court purposes it is part of Toronto, so a demand letter from Scarborough names the Toronto court the claim will go to next: the Toronto Small Claims Court at 47 Sheppard Avenue East for $50,000 or less, or the Superior Court of Justice on University Avenue above that. Naming the real court office, and the real form, is part of what makes the letter credible. Much of what we see from the east end is small-business work: a renovation deposit kept along Kingston Road, a restaurant supplier waiting on a stack of invoices, a loan between relatives that was never written down. For those, the e-transfer history and the text messages are often the whole case, and the letter is built from them.
We read the agreement, the invoices and the messages, confirm exactly who owes you, and work out the amount.
We set out the facts, the amount, the documents it rests on, and a firm date to pay or respond.
We send it by email and by a method that proves delivery, so nobody can later say it never arrived.
If they answer, we negotiate and put any deal in writing. If they don't, we prepare the claim.
Gather what you have. A missing document is no reason to wait, least of all with a deadline running.
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If the amount is $50,000 or less, the Toronto Small Claims Court at 47 Sheppard Avenue East. Above that, the Superior Court of Justice in Toronto. Small Claims rules let you sue where the events happened or where the other side lives or does business, so if they are outside Toronto, the letter names that court instead.
Often, yes. The transfer records, any message asking for the money, and any reply where they admit it or promise to repay can prove the loan. We collect those first and build the letter around them.
Work out the interest on the amount you are owed before you put a number in the letter, at the rates the Ministry of the Attorney General publishes each quarter.
Open the calculator