Our Beginnings

Todd Christensen of Christensen Law Firm (CLF) opened his first law practice in 1993, during a time when only collection agencies collected debt on a contingent-fee basis. Law firms generally believed – incorrectly – that they could not do so. This attitude, combined with the general air of distrust and seediness commonly associated with debt collection, opened up an opportunity for CLF to provide clients with a humanized, legally enforceable method of collecting debt. CLF partnered with ScotiaBank and proved the concept with great success.

Mr. Christensen left the practice of law for a time to gain business experience. In 2003, he combined his legal and business expertise to develop and implement a law-firm collections process that has sustainable competitive advantages and a diametrically-opposed approach versus traditional debt collection.  Integral to this improved approach was entering into a mutual-services  arrangement  with a top-notch collection agency, Collectrite Ontario (SW86) Inc. (Collectrite.)  Its President, Greg Storey, collaborated with Mr. Christensen in adding the efficiencies and investigative abilities of a top collection agency to CLFs proven legal process.

CLF Today

Since its founding in 1993, CLF has been an industry leader in unsecured law-firm debt collection. The firm has won landmark legal court rulings, which enable it to: recover debt collection costs on behalf of its clients; conduct trials without clients attending as a witness; recover all interest owed; and enforce judgments against real estate without expensive and ineffective sheriff’s sales.

By combining sophisticated legal expertise and a dignified, respectful, all-bite-and-no-bark manner with the investigative tools and efficiencies of a top collection agency, CLF is able to humanize the relationship between the collector and delinquent customers, while also achieving a step-change improvement in recovery rates.

Having proven its process with its bank and other high-volume clients, Christensen Law Firm is now offering small credit granters the same sophisticated law firm contingency fee debt collection services we supply to our largest clients.

Contingency based collection means that payment for our work is contingent upon our success. If we are unsuccessful in our attempts to collect, you pay no fee.


Collectrite Credit Bureau Collections referred our office to the Christensen Law Firm after recovering $42,000 of a $140,000 delinquent debt owed to us by a commercial customer. Due to the poor results that we had in the past with paying lawyers by the hour, we were leaning towards writing off the remainder of the debt. Mr. Christensen put his money where his mouth is and offered to work on a contingency fee basis and charge only for upfront court costs. They assumed we were paying Mr. Christensen by the hour and would fold, but he was true to his word and didn’t charge any hourly fees; just a percentage of what he recovered. Mr. Christensen first won a motion for summary judgment on our behalf in Superior Court. Christensen Law Firm recovered $117,000 on our original debt of $98,000. Using Christensen Law Firm not only obtained the money that was owing to us; but it also gave us the satisfaction to see someone who had lied to us, cheated us and made false accusations against us; be held accountable and proven wrong in court.

- Tom Smith, Registered Insurance Broker, John F. Smith Insurance Brokers Ltd.