Toronto Bankruptcy & Debt Lawyer, Ontario


Caryma F Sa'd Lawyer

Caryma F Sa'd

VERIFIED
Criminal, Landlord-Tenant
Caryma Sa’d practices law in the Greater Toronto Area and beyond.

A major component of Caryma’s current work involves advocacy with respect to human rights and social justice issues. She writes and tweets extensive... (more)

Matthew Adam Friedberg Lawyer

Matthew Adam Friedberg

VERIFIED
Criminal, DUI-DWI, Felony, Motor Vehicle, White Collar Crime

Matthew Friedberg has been a criminal defence lawyer his entire career. He has successfully represented thousands of clients charged with every type o... (more)

John Edward Charles Hyde Lawyer

John Edward Charles Hyde

VERIFIED
Employment, Labor Law

John-Edward C. Hyde is a Partner and Chair of the Management-side Labour Group, at Hyde HR Law. John is one of only 22 lawyers in Canada, certified as... (more)

Noel Martin Gerald Daley Lawyer

Noel Martin Gerald Daley

Accident & Injury, Medical Malpractice, Insurance, Civil Rights, Sexual Harassment

Noel Daley's success in law has been clearly defined by his upbringing. Inspired by his mother, who put his brothers and him through law school, he ha... (more)

Richard J. Aitken Lawyer

Richard J. Aitken

VERIFIED
Criminal, DUI-DWI, Traffic, Felony, Misdemeanor

Our winning team of experienced Ontario criminal lawyers provides hope and real solutions to those charged with DUI, DWI, impaired driving or other cr... (more)

FREE CONSULTATION 

CONTACT

800-814-0801

Jonathan  Mesiano-Crookston Lawyer

Jonathan Mesiano-Crookston

VERIFIED
Lawsuit & Dispute, Intellectual Property, Franchising, Business, Health Care

Jonathan Mesiano-Crookston (BScH Biochem, JD) is a partner with the boutique commercial litigation firm of Goldman Hine LLP and a registered patent an... (more)

FREE CONSULTATION 

CONTACT

800-681-3730

Peter  Manderville Lawyer

Peter Manderville

VERIFIED
Business, Lawsuit & Dispute, Employment, Real Estate

Peter is a former partner from Gowling Lafleur Henderson LLP. He was called to the Bar of Ontario in 1990. He specializes in commercial and insurance ... (more)

Mihkel  Holmberg Lawyer

Mihkel Holmberg

VERIFIED
Corporate, Wills & Probate, Trusts, Wills

Mihkel Holmberg’s practice encompasses a broad range of business practice including the purchase and sale of businesses, corporate and commercial le... (more)

Joel Stephen Guberman Lawyer

Joel Stephen Guberman

VERIFIED
Immigration

Joel has been practising immigration law for over 35 years, and he is certified by the Law Society of Ontario as a Specialist in Immigration and Citiz... (more)

Rohan R. Haté Lawyer

Rohan R. Haté

VERIFIED
Accident & Injury, Real Estate, Criminal, Divorce & Family Law, Employment

Rohan Haté is a partner at the law firm of McPhadden Samac Tuovi Haté LLP. Rohan received his Honours Bachelor of Arts degree from the Universit... (more)

FREE CONSULTATION 

CONTACT

800-969-6421

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LEGAL TERMS

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)
A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)
A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)
A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)
Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)
The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)
The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)
A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.