Debt Recovery Strategy Wizard
Someone owes you money and will not pay. This wizard walks through who owes you, how well the debt is documented, and whether they can actually pay, then maps a realistic recovery strategy — from demand letter to court claim to enforcing a judgment.
Where You Are Now
Common Questions
Frequently Asked Questions
What is the first step to recovering a debt in Ontario?
Usually a clear, formal demand letter setting out the amount, the basis for the debt, and a deadline to pay. It often prompts payment without litigation and demonstrates you acted reasonably if a claim becomes necessary.
Can acknowledging a debt reset the limitation period?
For debt claims, yes. If the debtor acknowledges the debt in writing or makes a partial payment before the limitation period expires, the two-year clock can start over from the date of that acknowledgment or payment. Keeping such records can be valuable.
What if the debtor has no money?
A judgment is only worth what you can collect. If the debtor has no assets or income, enforcement can be difficult, so assessing their ability to pay before you invest in a claim is one of the most important steps in debt recovery.
How do I enforce a judgment for a debt?
Enforcement tools include garnishing wages or bank accounts and filing a writ against property, among others. Which tools are realistic depends on locating the debtor's assets and income, which is often the practical challenge in collection.
Does this wizard guarantee I will recover my debt?
No. It maps the strategy and highlights the factors relevant to your situation. Actual recovery depends on the evidence, the limitation period, and the debtor's ability to pay, and should be pursued with legal advice.
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