Defaulted finance accounts
Review the finance agreement, account ledger and payment history to assess the basis for a recovery claim.
Explore this serviceFor Auto & Consumer Finance Lenders
A practical recovery strategy for finance accounts.
Support for auto and consumer finance lenders reviewing defaulted accounts, agreement disputes and the next stage of recovery.
Ontario Alberta British Columbia
Support for your industry
Understand the account before choosing the next step.
A finance balance needs more context than a statement of arrears. The agreement, payment history, borrower identity and records relating to any security all affect how a file should be assessed.
We work with lending and recovery teams to organize that context and consider a proportionate route forward. Individual referrals and recurring portfolios receive clear instructions, agreed file budgets and practical reporting on the work undertaken.
Court claim support
Prepare and advance eligible claims where the evidence, forum and expected value of further action support proceeding.
Explore this serviceOntario repair and storage disputes
Assess disputed repair or storage charges affecting a financed asset in Ontario, including the records supporting the charges and claimed interest.
Explore this serviceThe province, agreement, parties and type of claim guide the available process. We review these with your team before recommending a course of action.
Schedule a consultation
Let’s discuss your finance accounts.
Share the types of auto or consumer finance accounts your recovery team is managing.
Helpful for our first conversation
- Signed finance agreement and any related security documents
- Current balance, payment ledger and adjustments
- Borrower details and any guarantor documents
- Previous demands, correspondence and relevant asset records
A brief overview is enough to start. We’ll discuss how to provide the supporting records.
Thank you
Consultation request received.
Our team will review your request and follow up to arrange a consultation.
Illustrative scenarios
The kinds of matters
we can discuss.
These examples show the issues a first conversation may cover. For actual file histories and outcomes, see the published case studies below.
An account remains unpaid after follow-up
Illustrative scenario: an auto lender refers an overdue account after internal contact attempts stop producing payments. The signed agreement, ledger and demand history help the team assess the next recovery step.
A borrower disputes the remaining balance
Illustrative scenario: a consumer finance customer challenges the amount outstanding. A transaction history, credit adjustments and supporting correspondence are reviewed together before a claim position is developed.
The recovery knowledge centre
Information for your
next recovery decision.
Watch the issues explained
3:25Video · Michelle Haigh
Small Claims Court Limits in Ontario, Alberta and BC
Compare the monetary limits in Ontario, Alberta and British Columbia and learn how court selection affects recovery strategy.
Watch video
0:41Video · Michelle Haigh
What Should a Lender Do When an Asset Is Held Under an RSLA Lien?
The first steps for reviewing records, assessing disputed charges, and considering how to recover the asset.
Watch videoRead the practical perspective
Article · Debt Recovery
“It’s Broken, So I’m Not Paying” — The Borrower’s Favourite Line
A breakdown does not automatically erase a finance debt. How lenders in Ontario, Alberta and BC can assess repair complaints, payment defaults and recovery options.
Read article
Article · Small Claims
When a Consumer Protection Act (CPA) Claim Lands in Small Claims Court
A practical response to Ontario consumer protection claims for lenders and finance companies: check applicability, preserve records, narrow the issues and assess resolution.
Read article
Article · Debt Recovery
Personal Guarantees in Alberta: The Fine Print That Can Make or Break Your Case
For Alberta lenders and finance teams, a signed personal guarantee is only the start. Review acknowledgment certificates, contract terms and recovery evidence before suing.
Read articleFrom published files
Relevant recovery
experience.
Explore the facts, decisions and outcomes of these published files, with the connection to your industry explained for each.
A lending company pursued a defaulted consumer loan and obtained a partial recovery through the court process.
Case Study · Debt Recovery
Partial Recovery on a Defaulted Consumer Loan Through the Court Process
Court proceedings and continued collection efforts produced a partial recovery for a lending company after a borrower defaulted on a short-term loan.
Consumer LendingCourt CollectionPartial Payments
Read case study An auto-loan claim reached default judgment and a garnishing order. The published file does not claim completed collection.
Case Study · Debt Recovery
Pursuing Garnishment After Default Judgment on a British Columbia Auto Loan
An unpaid vehicle loan in Burnaby progressed from a served civil claim to default judgment and a garnishing order after judgment, with delivery to the garnishee confirmed.
British ColumbiaAuto FinanceDefault JudgmentGarnishment
Read case study Questions from your industry
Before you refer
a matter.
Start with the questions that matter to your team, then speak with us about your specific circumstances.
Discuss Your Finance AccountsCan we refer several defaulted finance accounts?
Yes. Tell us about the account types, provinces, approximate balances and expected referral volume. We can discuss intake requirements, reporting and budgets, with an individual assessment of the evidence and recovery prospects for each account.
What should we provide when a balance is disputed?
Include the agreement, full transaction history, payments, credits and the explanation of the disputed amount. Any correspondence setting out the customer’s position helps the team identify the issues that need to be addressed.
Can you help if a financed vehicle is held over storage charges?
For an Ontario matter, we can discuss whether our repair and storage lien services fit the circumstances. Provide the asset details, claimed charges, finance documents, notices and correspondence so the team can review the situation.
How are finance recovery costs discussed?
The team reviews the expected work, available records and recovery prospects before discussing the scope and fee approach. File budgets help your organization decide which steps are proportionate to the account involved.
Put the next step in perspective
Let’s discuss your finance accounts.
Share the types of auto or consumer finance accounts your recovery team is managing.