Small Claims Court — enforcement
Judgment enforcement and collections
A judgment does not pay itself. When the other side does not pay, Ontario law offers several ways to collect, and the right one depends on what the debtor has.
We start with what is known about the debtor: an employer, a bank, property, a business. Where that is thin, an examination hearing requires the debtor to answer questions about income and assets under oath.
With that information we choose the route: garnishment of wages or a bank account, a writ of seizure and sale, or a payment arrangement that actually gets followed.
What we handle
Collection
- Demand letters and payment discussions
- Settlement and payment arrangements
- Review of debtor and asset information
Enforcing a judgment
- Examination hearings
- Garnishment of wages and bank accounts
- Writs of seizure and sale, and other court processes
Forms you may have received
20ENotice of Garnishment- It directs money owed to the debtor, such as wages or a bank balance, to be paid into court toward the judgment.
Have these ready when you call
- The judgment or court order
- What has been paid since, and when
- Anything you know about the debtor's employer, bank or property
- Past correspondence about payment
Related questions
How much will it cost?
It depends on the kind of matter, what needs to be done and at what stage. Services, fees and expected disbursements are confirmed in writing before any work begins.
Can you guarantee a result?
No one honestly can. Outcomes depend on the facts, the evidence, the law, the other side and the decision-maker. What we can do is explain your options clearly and represent you carefully.
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