When the debtor has the ability to pay the debt and simply refuses to do so resulting in the need for court enforcement, we can often recover the full principal and interest owing and much of the costs of collection for our client. We can also ensure that the bad debt is reported on the debtor’s credit record if our client would like to do so.
If pre-litigation law firm collection action (see Pre-Litigation Law Firm Collection Action) is unsuccessful, we identify an enforcement avenue, obtain client instructions to do so, then sue, obtain and enforce judgment. Judgment is enforced through garnished wages or bank accounts, filing a writ of seizure and sale against the home and other real estate, or forcing the sale of real estate, if requested by our client, using the judicially-supervised sale process we pioneered in Ontario. We have particular expertise in judgment enforcement with an arsenal of other tools that ensure that if judgment debtor has the means to pay, we can almost always find a way to enforce the judgment (see Judgment Enforcement). At any point during the process, we are open to settling the debt for what our client feels is reasonable given the circumstances.