Finance and lease balance recovery
Assess defaulted finance accounts and unpaid equipment lease balances against the signed agreement and transaction history.
Explore this serviceFor Equipment Finance & Leasing Companies
A practical next step for equipment finance files.
Recovery and dispute support for equipment finance and leasing companies reviewing unpaid balances, agreement disputes and related asset accounts.
Ontario Alberta British Columbia
Support for your industry
Review the agreement, asset records and account together.
An equipment finance file may involve the original agreement, changes to the account, guarantees and information about the asset. An accurate balance and organized documents help your recovery team assess the available options.
We support lenders and leasing companies with a focused review of the account and a proportionate recovery strategy. Where an Ontario asset is held over disputed repair or storage charges, the team can also assess the fit with our lien dispute services.
Eligible court claims
Review the parties, claimed amount, supporting records and appropriate court process before further proceedings are proposed.
Explore this serviceOntario repair and storage disputes
Review claimed charges, notices and asset documents where repair or storage demands affect financed or leased equipment in Ontario.
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 equipment finance files.
Tell us about the equipment finance accounts, leases or asset-related disputes your team needs help with.
Helpful for our first conversation
- Executed finance or lease agreement and amendments
- Current balance, ledger and calculation of charges
- Asset identification, security records and any guarantees
- Default correspondence and relevant repair or storage 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 equipment lease balance remains unpaid
Illustrative scenario: a lessee stops making scheduled payments and the lessor refers the outstanding account. The lease, payment ledger, amendments and asset records are reviewed to understand the balance and proposed claim.
Repair charges affect an Ontario asset
Illustrative scenario: a lender learns that financed equipment is being held over disputed repair or storage charges. The finance documents, charges, authorizations and notices help frame the initial review.
The recovery knowledge centre
Information for your
next recovery decision.
Watch the issues explained
2:51Video · Michelle Haigh
RSLA & TSSEA Explained: Protecting PPSA Lienholders
Learn how Ontario's RSLA and TSSEA affect PPSA lienholders, disputed charges and asset recovery.
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 · RSLA
TSSEA meets the RSLA: How a PPSA Lienholder Gets the Asset Back and the Bill Correct
Ontario RSLA s.23 and s.24 applications explained for PPSA lienholders. Use TSSEA rules to recover vehicles, dispute towing and storage liens, and cut costs fast.
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.
Related lending recovery: a financial services client confirmed full payment after filing a loan-account claim.
Case Study · Debt Recovery
Ontario Loan Account Paid in Full After a Claim Was Filed
After a claim was filed, the debtor arranged payment directly with the lender, which confirmed that the account was paid in full.
Small ClaimsLoan RecoverySmall ClaimsPayment Before Judgment
Read case study A financing company resolved a towing claim through document review and negotiation. The published summary does not identify an equipment lease.
Case Study · Commercial Defence
A Lender Resolves a Towing Claim Before the Hearing
Requests for supporting documents and settlement discussions resolved a towing claim against a financing company without a hearing.
Small ClaimsTowing DisputesDocument ReviewNegotiated Settlement
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 Equipment AccountsCan you review unpaid equipment lease balances?
Yes. Include the executed lease, amendments, account ledger and a clear breakdown of the balance sought. Information about the equipment and any steps already taken helps the team assess the file in context.
Should guarantees be included with the account records?
Yes. Provide any guarantees and related execution records with the underlying agreement. Whether a guarantee supports a particular claim needs its own review rather than being assumed from the account balance alone.
Can you help with disputed repair or storage charges?
For an Ontario matter, we can assess whether the file fits our repair and storage lien services. Share the asset details, interest documents, claimed charges, notices and correspondence, including any urgent dates.
Can we establish reporting for a finance portfolio?
We can discuss referral information, instructions, file budgets and the reporting your team requires. Each referred account is reviewed on its own records and recovery prospects before a proposed step is undertaken.
Put the next step in perspective
Let’s discuss your equipment finance files.
Tell us about the equipment finance accounts, leases or asset-related disputes your team needs help with.